How do insurance companies figure the amount they will pay you for a totaled vehicle?

Jeff B asked:


How do insurance companies decide what to pay for a vehicle that has been in an accident and totaled out.Do they use a guide like Kelly Blue Book? Retail, wholesale or trade in values?

Tanya

What insurance companies have a good record or a bad record on Katrina payoffs?

Yarnlady_needsyarn asked:


I have tried searching the internet for a report on good vs bad insurance companies, but I haven’t found anything. Do you have any info, or tell me where I can find it. Be specific please.

Derrick

Do life insurance companies check your medical records after you die?

Dick J asked:


Let’s say that you get life insurance and claim to be a non-smoker. Then let’s say that you start smoking or resume smoking. Assuming that your medical records show that you smoked, will most life insurance companies check your records, see that you smoked, and then cancel your benefit?

Sylvia

What are some inexpensive, yet reliable auto insurance companies?

SUN vs. MOON asked:


I need a new auto insurance company, Allstate just raised my rates through the roof. But I don’t want it to be an unreliable company that will drop me for one little crack in my winshield. State Farm and all those companies are too expensive for me (I am a teenager and work part-time). I live in CA. Any suggestions?

Gabriel

How can I track down Insurance Companies that employ people in different states?

Robert F asked:


I’m hearing more and more about positions with Insurance companies, where the base company is several states away but they hire someone to do local audits for their company, for example, someone living in South Carolina doing work for the company based out of Ohio. My question is, does anyone know where to find these positions? I’ve tried the basic jobsearch websites but they don’t typically seem to have positions like that listed.

Franklin

Why home insurance companies are sensitive to lapses in the insurance?

francine asked:


When I shop for a home insurance I am always asked if my home is currently insured or if there are lapses in my insurance policy. Some companies outright refuse to give me a quote when I tell them that I haven’t had home insurance in the last 3-4 months. I am wondering why this is important for them?! They just referred to their company policy and did not give me any meaningful reasoning. Who’s the best company for home insurance? Thank you for your answer.

Dora

How do you work with long term insurance companies?

answer man asked:


I own an in-home elderly care agency, however, due to the fact that the services are expensive, most clients can’t pay out of pocket, so I need to begin billing their long term care insurance company.

I’m wondering, what is the process to begin working and getting paid from long term insurance companies?

Ramon

What would happen to health insurance companies if government take over the health insurance system?

John A asked:


Correct me if I’m wrong, but I heard that Obama is trying to push a public health system that will allow everybody to have health insurance no matter what pre existing conditions he or she may have.
If this is reached, what would happen to insurance carriers like Blue Cross, Blue Shield? Will we need these companies and health insurance agents?

Jeffrey
   
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