How To Sue the Insurance Business More than My Wreck

22 Mar

0
0
0
0
0
0
0
0
0
or copy the link

I genuinely cannot inform you how numerous occasions a claimant threatened to sue the firm when I was adjusting insurance claims. All insurance adjusters find out quite early on that a particular person will have a hard time attempting to sue a person else’s insurance organization, for anything, so I was never ever worried when a third-party claimant threatened suit. In reality, I hoped that they tried so they would find out a lesson. Just the fact that they threatened it created it known to me that they had no clue how to fight with me.

Now that I am a personal claims consultant, it is nonetheless a single of the most frequent questions I get from individuals who are upset about the way they are getting treated by an insurance firm. If you have discovered this write-up by searching the world wide web for “How to sue an insurance organization” or some variation, then you are who I am trying to reach. Please continue reading, the following details is 100% correct.

Very first, please let me clarify that in this post, when I say insurance organization, I imply the insurance organization of somebody else that was negligent in the operation of a motor car and wrecked into you or your car, or each. It really is various if it really is your own organization, so anyway. Now for the no frills answers…

So… How can I sue the other guy’s insurance organization more than my auto accident?

Answer: The exact same way you would sue any company. You 1st have study who will get discover of the suit (service of procedure). In most states, the Secretary of State houses the information for the “Agent for Service of Approach”. After you have that data, you can draft a petition / complaint and present it in the appropriate type to the suitable court for legal action to ensue. Then… I can list all the methods, but I won’t…

DO NOT Attempt AND SUE THE INSURANCE Firm! The insurance organization will merely argue that you do not have any valid cause of action, and they will be right and will win. Your case will be thrown out. Trust me. You can sue the insurance company, but what will you sue them for? Not being great when handling your claim? Refusing to spend you what you consider is fair? The insurance business ought to first owe some legal duty to you just before you can sue them for a breach of that duty.

In the situation of an automobile accident, it is not the insurance organization of the individual that you sue, but it is the Individual that you sue. It is the Individual that was driving and often the owner who is responsible for your damages and these are the individuals who were negligent and against whom you have a valid cause of action for negligence. The duty that common citizens have when utilizing public roadways is that civil law says they must keep away from getting so negligent as to cause harm to an additional motorist. If they fail to carry out their civil duty, you can sue them more than their negligence and if you prove their negligence triggered your damages, you typically win (and their insurance organization has to spend). Get it? If you never, you will need to have to appear me up and get in touch with me directly for a lengthier explanation.

NOW, do not be discouraged. When you sue the Particular person that hit you, then in nearly every single situation, the person’s insurance company (who is becoming unreasonable) will be forced to defend their insured (the negligent individual) in court, so when you sue the Person, it causes their insurance company to have to at least use an lawyer to answer the suit and show up in court if it gets that far, make sense? Sue the individual, not the company.

This post could go on and clarify specifically how to sue a person in little claims court too (which is extremely efficient, by the way), but so you don’t drop interest, we’ll end it here. Data is often totally free at Petty Facts, LLC! Go to us on the web and test out our motto. This article is not to be construed as legal advice, I am not an attorney. If you have a legal question, call a competent attorney.

106 Responses to “How To Sue the Insurance Business More than My Wreck”

  1. Jason February 19, 2013 at 12:35 pm #

    I rear ended someone and my car got totaled. I still have things I wanted to get out of the car but the tower moved it up onto the truck before I could get anything. I have his business card. He said if I called, they could get me my stuff. Thing is, I want the front tires too, because they are new. Also, who pays for the towing? I have insurance but I’m only covered for the damage I do to the other persons car.

    Basically, what I’m asking is, who pays the towing fees? What are they going to do with my car? Can I get the front tires?

    Thanks in advance.

  2. Avelina May 17, 2013 at 12:08 pm #

    The organization will have chapters in various states in the US. Is there a way to register an organization as a non-profit and have chapters under it? Can I get 1 tax id for it or do I have to register each chapter separately? And what is the process?

  3. Perry May 29, 2013 at 11:12 pm #

    I want to start a childcare service for the disabled. I want the parent to chose whether they want the child to be cared for in their homes or at the facility. I have never ran a business. I am 23yrs old and in college (not for business). How can I get guidance on the best options for me.

  4. Jefferey July 1, 2013 at 11:56 am #

    I worked for a church,.. Okay, the name of it will remain nameless, (unless you become interested..)
    so anyways, I worked for a church and lent them my car while I went on vacation, and it was TOTALED when I came back.
    they have hurt me soo much, disrespected me and not helped me AT ALL.. with this situation.
    It is not okay to make me feel badly, but that’s what they did..
    my question is can I sue a non-profit organization?
    because they are telling me I cannot.
    But I do not believe this.
    thanks.
    Like small claims court, is what I mean.
    no, not FULL coverage, I didn’t have.
    and the church is an organization, who DOES NOT have insurance and gave someone at the church a mission to drive my car, and didn’t have insurance.
    this is WRONG very WRONG that noone took responsibility for my car. the person who CRASHED it didn’t have insurance, and got away, and the individuals didn’t take responsibility… blaming that they don’t have a lot of money.
    my dad believes the CHURCH should take responsibility, since they were on CHURCH business.

  5. Bill July 1, 2013 at 11:42 pm #

    Ok, Long story, hope someone can help me out.
    July 31, 2007, I was stopped at a light and a girl hit me from behind going 30mph, her insurance company is Allstate. After me going to the hospital, my husband took me, and coming home the next day, i had issues with her insurance comp. They made me make a statement about the wreck, told me it was their fault and gave me an estimate of my car’s worth. The damage was more than my car was worth, so they gave me a quote of 3400 for my car. Too bad I still owe on my car as well. The check went to Car Max. They asked me to “release” the car to them, and wanted me to tell the garage (where it was being held), to release the vehicle to them. When I hesitated, they started yelling at me on the phone, so i decided to release the car to them, for fear of being in trouble. After that, I didn’t want to deal with them anymore, and decided to goto a lawyer. I decided on this lawyer, and they sent out a man from their firm to go over everything with me. I gave him my accident report (the original), and he said they would make a copy and give the original back, which has not been done. I agreed to 33.3% of my settlement to their firm. I signed the paper, and never heard from him again. I called the law office, and was wondering what was going on. They told me my case had been assigned to this one lawyer lady. I talked with her a few time, since I was still in therapy, going to the chiropractor, my case was still open and had to wait until i was done with my therapy. October 2007, i finished therapy and told the lawyer i was done, but she never returned my calls. I, after weeks of calling, found out from the secretary, was assigned to another lawyer lady because the first one wasn’t doing her job and got fired. I tell the second lawyer lady that I am ready to end this, and to get all my amounts together, i still owed money to the hospital, chiropractor, and i missed work as well. She told me that she didn’t have any of that info. So, I had to get all of that for them. I had to goto the hospital, pick up my x-rays, get my manager of my job to fill out a missed work packet, and still they don’t return any of my phone calls. I wait for a couple of weeks, and find out i’m pregnant, so i really need them to get me my money! I finally talk to the second lawyer lady and she tells me her supervisor is taking over for her on my case because it’s being finalized. I talk with her supervisor a couple of times and then I get a letter in the mail stating what im asking for from Allstate. I am a month away from giving birth, and call the supervisor, ask her when im gonna get my money. She told me to just wait. I give birth in june 2008, and call her again, she says wait. January 2009, she calls me to tell me that in two days, Allstate is going to call me three way with her and i need to give a statement again, they will be asking me questions, so to have all my receipts and things out so i can reference to them. Since then, i have not heard from the supervisor, i keep calling and she never calls me back. I have faxed the time missed packet to her several times, and the last time i talked with her, she said she didn’t get it. I have faxed it twice since i’ve talked with her and gave the statement, but she never calls back. What can i do at this point? it’s almost two years since the accident. do i have statute of limitations on this? Can i just dismiss this lawyer and go with another law office and sue this office? Please, if any lawyers can help?
    Oh, yeah, for the past two weeks, i have been calling the law office every day, and leaving messages everyday, and today she is in a meeting and i had to leave another message. I even say that “I have been trying to get a hold of her, but she never returns my calls.”
    Thankyou for the two answers i have gotten so far, i just called the law firm and asked to take a message again. Should I demand my entire file from the secretary if i can not get in touch with the lawyer herself?

  6. Adam July 2, 2013 at 12:25 pm #

    I had my car backed into in August.

    The man was cited for improper backing.

    He did have insurance.

    I have been battling with them since August to get paid,,there was a considerable amount of damage to my car as he was going fast and kept going in a panic.

    The Co. (Allstate) has said they have to “contact” him to confirm fault,,in Ct where I am there is No fault..but they keep playing this tune…there was a ticket as I pointed out to the Co..this is clear of who’s fault it is…my car was parked and was not moving.

    Can I sue the Insurance co. for double if they continue to refuse to pay me? Or is this just for personal injury?

    Can I ask for loss of vehicle use only if I use a rental?

    Is there anyone (ha ha) I can file a complaint with regarding the lack of cooperation with them,,I know FTC handles businesses but are insurance companies above all?

    My car was damaged and I would like to be compensated..my own insurance is at the lowest so they do not cover me,,won’t even help me.

    How can they take so long?
    I am so frustrated.

  7. Emma July 2, 2013 at 3:59 pm #

    My brother got in a car accident 3 years ago…. the car he wrecked was registered under my dads and his brothers business. Basically my dad and his 2 brothers have a partnership in it. We tried to remove the car from being registered under the business, but DMV problems delayed the whole thing until it was too late. Basically the insurance paid the guy $25,000 because we had Limited coverage. So this guy wants more money and they are now suing my dads company because it was a partnership at the time and they can go after my dads and my uncles assets. (we changed it to limited liability already). They had a court hearing today and the judge granted the guy the motion to sue us for $500,000. My dads company which does stone and stucco…. has been doing really poor lately because of the bad economy. My dad only brought home like 15,000 in 2008….. and now they are not even paying themselves money because they only have enough to pay the bills for the company.

    So this guy is suing us for $500,000 and my uncles and my dads business is is worth like $20,000. This is totaly unreasonable. I think the guy and his lawyer think that we own a huge company, but in reality our company is barely profiting and worth almost nothing. If they even win, there is no way we could even pay any $1000 of that lawsuit. We are living on our equity basically.

    My question is finally, do they have a chance at wining, and if they do… how are they going to make us pay this money, if we have absolutly nothing???

    Btw my bro was wearing a seat belt and walked away…. the guy who is like 65 was not (and supposedly studders and has to walk with a cain)…. my brother was also in a small car like a Carola and the guy was in a huge expedition. would that be classified as negligent driving under his part if he had no seat belt on??
    the thing is…. they think they smell money… but in reality my dad brought home $15,000 and my mom got laid off this month…. we are living off are equity…. we have no income almost
    the car was not insured under the business, it was insured by our family… the Car Title had the business name on it.

  8. Julieann July 2, 2013 at 3:59 pm #

    good for David Letterman…. This I agree with

    A nice reminder!

    David Letterman wrote this; it’s the David we
    Don’t often see….

    ‘As most of you know I am not a President
    Bush fan, nor have I ever been, but this is not
    About Bush, it is about us, as Americans, and it
    Seems to hit the mark.
    ‘The other day I was reading Newsweek
    Magazine and came across some Poll data I found
    Rather hard to believe. It must be true given
    The source, right?
    The Newsweek poll alleges that 67
    Percent of Americans are unhappy with the
    Direction the country is headed and 69 percent of
    The country is unhappy with the performance of
    The President. In essence 2/3 of the citizenry
    Just ain’t happy and want a change. So being the
    Knuckle dragger I am, I started thinking, ‘What
    Are we so unhappy about?”

    A.. Is it th at we have electricity and
    Running water 24 hours a day, 7 Days a week?

    B.. Is our unhappiness the result of
    Having air conditioning in the summer and heating
    In the winter?

    C.. Could it be that 95.4 percent of
    These unhappy folks have a job?

    D.. Maybe it is the ability to walk
    Into a grocery store at any time and see more
    Food in moments than Darfur has seen in the last
    Year?

    E.. Maybe it is the ability to drive our
    Cars and trucks from the Pacific Ocean to the
    Atlantic Ocean without having to present
    Identification papers as we move through each
    State?

    F.. Or possibly the hundreds of clean
    And safe motels we would find along the way that
    Can provide temporary shelter?

    G.. I guess having thousands of
    Restaurants with varying cuisine from around the
    World is just not good enough either.

    H. Or could it be that when we wreck
    Our car, emergency workers show up and provide
    Services to help all and even send a helicopter
    To take you to the hospital.

    I.. Perhaps you are one of the 70
    Percent of Americans who own a home.

    J.. You may be upset with knowing that
    In the unfortunate case of a fire, a group of
    Trained firefighters will appear in moments and
    Use top notch equipment to extinguish the flames,
    Thus saving you, your family, and your
    Belongings.

    K.. Or if, while at home watching one
    Of your many flat screen TVs, a burglar or
    Prowler intrudes, an officer equipped with a gun
    And a bullet-proof vest will come to defend you
    And your family against attack or loss .

    L.. This all in the backdrop of a
    Neighborhood free of bombs or militias raping and
    Pillaging the residents. Neighborhoods where
    90% of teenagers own cell phones and computers.

    M.. How about the complete religious,
    Social and political freedoms we enjoy that are
    The envy of everyone in the world?

    Maybe that is what has 67% of you folks
    Unhappy.

    Fact is, we are the largest group of
    Ungrateful, spoiled brats the world has ever
    Seen. No wonder the world loves the U.S. , yet
    Has a great disdain for its citizens. They see
    Us for what we are. The most blessed people in
    The world who do nothing but complain about what
    We don’t have, and what we hate about the country
    Instead of thanking the good Lord we live here.

    I know, I know. What about the
    President who took us into war and has no plan to
    Get us out? The president who has a measly 31
    Percent approval rating? Is this the same
    President who guided the nation in the dark days
    After 9/11? The president that cut taxes to
    Bring an economy out of recession? Could this
    Be the same guy who has been called every name in
    The book for succeeding in keeping all the
    Spoiled ungrateful brats safe from terrorist
    Attacks? The commander in chief of an
    All-volunteer army that is out there defending
    You and me?

    Did you hear how bad the President is
    On the news or talk show? Did this news affect
    You so much, make you so unhappy you couldn’t
    Take a look around for yourself and see all the
    Good things and be glad? Think about
    It……are you upset at the President because he
    Actually caused you personal pain OR is it
    Because the ‘Media’ told you he was failing to
    Kiss your sorry ungrateful behind every day.
    Make no mistake about it.

    The troops in Iraq and Afghanistan have
    Volunteered to serve, and in many cases may have
    Died for your freedom. There is currently no
    Draft in this country. They didn’t have to go.
    They are able to refuse to go and end up with
    either a ”general” discharge, an ‘other than
    honorable” discharge or, worst case scenario, a
    ”dishonorable’ ‘ discharge after a few days in
    the brig.

    So why then the flat-out discontentment
    in the minds of 69 percent of Americans?

    Say what you want but I blame it on the
    media. If it bleeds it leads and they
    specialize in bad news. Everybody will watch a
    car crash with blood and guts How many will
    watch kids selling lemonade at the corner?

  9. Reinaldo July 3, 2013 at 12:45 am #

    I realize everyone lies at one point in their lives or another, but my mom lies SO MUCH!!!! I seriously don’t know how other people haven’t put her in jail. & while I’m trying to live my life the best I can, it’s like she gets jealous or really mean and hateful. & she cheated on my dad. she feels like my enemy. I can’t stand it anymore I just want to move but I have to keep saving up money. Like I want to go on a freaking diet. She notices now when I don’t eat as much (& I’m trying to eat only healthy stuff & mainly vegetables) she drinks coke, eats cheese dip, fast food almost EVERY DAY. She’s been eating fast food almost everyday for idk how long. & she’s bankrupt and keeps spending all her money on stupid sh**. she makes like $75,000/yr and doesn’t even “have enough” to buy health insurance. & some guy got in a wreck with her, & she told me she’s going to sue him for all the doctor bills, & she said she’s going to try & get a huge settlement, just b/c the attorneys probably can, she wants like $300,000 or more, for work compensation, b/c she’s “saying” she’s going to want to quit her job b/c of her injury…..but she’s been wanting to quit her job anyway, she doesn’t care if she has to go back & live with her mom in the ghetto! I was like “even if that guy gets his house taken away & everything?” & she was like “yeah”. I don’t even think she’s really mad at the guy, she just wants a bunch of money, she doesn’t care if that guy gets EVERYTHING taken away from him. & she’s a really bad driver & I bet she slammed her brakes on too fast w/o being aware that PEOPLE ARE F***ING AROUND HER. & I’m trying to diet, & I’m being successful & not FAILING at it, she seems really p*ssed & acts like she’s going to sabotage everything else in my life. For some reason, if I “fail” at something, she seems a lot happier & will make my life easier…instead of just minding her own business. I just can’t stand her she’s like the dumbest person ever. Seriously I’m not trying to be disrespectful to my mom, but ME being disrespected like this is p*ssing me off. & so many people hate her. I get along w/people & smile at them, try to make conversation, idk people are more respectful of me b/c I’m nice to them, while she doesn’t try to get anyone’s respect & then she wonders why no one respects her & she gets really mad. It’s like I can’t change other people, I tried to change myself, & it’s working, & then she won’t let me. She’s a hater & it’s nothing new. I already know why she hates & everything. However, I want to lose 10 lbs, idk why she has to f***ing sabotage it. Just her whole attitude she’s a b**** to be around. & she’s always saying I have an attitude. I think she’s the one with the f***ing attitude, I don’t try to sabotage everything she does.

  10. Emma July 3, 2013 at 3:34 am #

    Dropped off car to have tires rotated. Firestone had my car for 3 full days. Picked it up and went back saying front tire drivers side making noise. Worried it would fall off. I have been going there for 10 years. Barry, manager told me it was just uneven wear. Said I am driving 4 hours someone check it. Butch came out, got on ground, took my hand and put my hand on tire and said feel the uneven wear. That’s all it is. I said I don’t think so. Do I have your word that is all it is. Butch put his hand on my shoulder and said MRS> N I give you my word. Next day after 3 hours it fell of rolled down a bridge and my car SHOULD have been totaled by insurance. I called them IMMEDIATELY FIRST even before Triple A for a tow. They apologized over and over. Next day Butch called and said he did not sleep at all he felt so bad and was happy we were relatively okay. They would cover everything. So far have spent $7,000 plus on car and $480 on xrays. Got prednisone for disc problem and I am okay now but they said they would pay and should! The young lawyer helping me said he is having trouble figuring out how to sue them because that little Firestone is registered under an assumed business name and he can’t find it. Called some big name lawyers but unless I claimed great physical injury they said not worth the time. HELP ME GET JUSTICE PLEASE . Very bad experience trying to keep car on the road with a metal rim on a bridge trying not to go into the water. My son who is blind kept saying pull over but I said I CAN’T we’d go into the water. It was awful. And, I TOLD Them it sounded like it would fall off. Tow truck gave us a ride but rental car places were then closed so we took a cab for $180 to our destination. We run a little bed and breakfast together in the summer and fall together. We had to walk to the store every day for the food for guests, toilet paper etc because even Enterprise would not bring a car to the island. I was in pain for a month but the predinisone did clear it up. But, my car still has issues. Ever since I got it back when I hit a bump the headlight on that side goes out. I have to hit another bump to get it to turn back on. The window on the side where the wheel fell off won’t roll up and down all the time. I finally turned it to the insurance company and got some but they claimed that if my TIRE fell off rather than my WHEEL I would have a “no fault accident” But, since metal actually hit the road I bear the burden of fault. Therefore my car insurance went up astronomically. I have been going to that same Firestone for over 10 years and they told me that they all felt terrible. But, they said I had to call corporate office who said they had an “investigator” who looked at my car and said, essentially, the wheel feel off because I wrecked it. Not so. I wrecked it BECAUSE the wheel fell off. I know I probably should just move on but I can’t leave my neighborhood without driving by there and it really upsets me. I am grateful for any help on how to sue FIRESTONE in Midlothian Va. on the Midlothian Turnpike.

    Thank You.

  11. Mark July 3, 2013 at 8:06 am #

    student driver hit my car—the owner/operator/instructor of driving school was sitting in their passenger seat. They were at 100% fault. My insurance won’t pay coz I don’t have COLLISION COVERAGE. I live in Ontario. Can I go after their insurance company directly? By this I do not mean sue in small claims court. I have witnesses on my side.
    The owner/instructor of driving school has coverage and did not leave the scene. My car is older with A LOT of miles, but in excellent condition with frequent maintenance and upkeep. please help. Is there anything in my favour since it was a “business” that wrecked my car, not a “personal” vehicle?
    that is Ontario, Canada, btw.
    Also is the student driver liable in anyway? Do I go after their coverage or just the school operator?? I don’t know if the student even has coverage or a license?

  12. Porfirio July 3, 2013 at 10:07 am #

    I am interested by the history and origin of the problems with suing.
    I know that people say that there is a culture of blame and suing; but from what I say below, it show that this is not a culture.

    I have done research and found that the problem comes from the ‘burden of proof’.
    In other legal cases, the burden of proof is on the accuser; where as with suing it is on the accused. That is why people run around like headless chickens covering them selves in case they have a lawsuit brought against them.
    This is not justice at all.

    It is a mistake by the right wingers to think that this is a left wing phenomenon, because it has nothing to do with this.
    They say that it is all about a blame culture, and also about excessive health and safety; which they say is due to people not being tough enough and not taught respect and given discipline.

    In my country (the UK); people blame the EU for this problem; and although the EU has strict health and safety systems, it does not show evidence of having anything to do with the suing problems.
    This is because of the fact that this suing problem occurs in the USA as well, and it is worse there than in the UK. As for discipline, the USA residents are for more forceful and physical with their kids; so that shows discipline issues are irrelevant.

    I have researched this suing, and I figured that this must stem from the British Empire; which once had control of the USA, which was then the 13 colonies and Florida.
    British people did operate in other areas; however the USA claimed independence on 4th July 1776.
    The problem is that this suing problem is more recent in nature; so unless something catalyzed the problem more recently, then it may be something else that is related to this.

    I have heard that the USA is friends with the UK, and people moan about it over here; saying that when the USA says “jump”, the UK says “how high”. I think that this in relations to warfare and trade. Something about this may have affected the laws in both nations.
    But then I do not know the nature of suing and it’s problems in Canada, or Australia etc or other EU nations. It is hard to tell.

    What would you say to all this?

    I want to know how it is that the USA could have this ‘burden of proof’ reversal, and also the UK have the same thing. (which is what appears to be the case).
    Then why this suing problem got so extreme.

  13. Jamie July 3, 2013 at 1:52 pm #

    We have a baby on the way and my boyfriends truck payment is as much as our house payment. It is 400 a month. With me staying home w the baby, we absolutely wont have enough money to pay it. Also, the truck is wrecked! its been wrecked since 2006. So its not even driveable. The insurance was under his moms name back then bc she cosigned and she didnt want him to get his license taken away for wrecking it, so she basically told him to deal w it and pay. Even though she is also on the loan, she refuses to help. What can we do??? we just bought a house too… can they take the house away? or will his credit just get crappy? will they garnish wages?? I dont know what to do. Its either stop paying it, or dont eat.

  14. Dexter July 3, 2013 at 2:27 pm #

    Quick background: A friend and i started a small corporation, renting bounce houses and party supplies. We are both involved 50/50 with our investment. We have a small tow behind trailer to transport some of our larger equipment. In the state of FL you do not need to insure a trailer, once it is hooked to your vehicle it becomes part of your vehicle. We will both deliver our equipment, but she decided yesterday to call insurance company to verify the law. They pretty much scared her into wanting to insure her personal vehicle as a corporate vehicle (which is used 95% personal, maybe 5% business). If she does this her premium will increase quite dramatically and is now wanting our corporation to pay for addition in her premium out of our overhead. Her decision to want to do this is because she doesnt want to be personally liable if she were to get into an accident while hauling our equip. .. I understand her concerns, but this seems quite unfair for my profits to go to pay for additional insurance for her. I dont mind if she lists it under the corp for personal reasons, but i feel she should have to pay the increase on her own, because she wants that peace of mind. But also what happens if she gets into an accident on personal time; our business will be liable if someone wished to sue the business? Any one have an y suggestions?

  15. Ines July 3, 2013 at 11:26 pm #

    An answer to the rather silly notion of wanting gun store owners carrying more liability insurance than a business normally does. If you buy a car and then get in a wreck and hurt someone–do you as the owner of the car get sued because you were personally responsbile for the accident–or does the dealership get sued because it sold you the car you misused?

  16. Nakita July 3, 2013 at 11:52 pm #

    when you are spending better than $200 a month for cell phone service?

    Drop the darn phone down to a $15 a month track/prepaid phone for emergencies (or heck, in PA they give you a cell phone for free w/up to 150 mins on it) and buy your child insurance!

    *Not meant for those just scraping by at the bare min where dropping a necessity would be required to purchase insurance.
    Omg…it just got worse….the only reason her kids don’t have insurance for the past few months was because her husband never gave her his pay stubs to submit to CHIP. Flipping lazy.

  17. Tyra July 4, 2013 at 4:26 am #

    My church, asked to borrow my car for church business.. it was returned TOTALED and noone has paid for this?
    Okay, this was 5 YEARS ago.. i have been STUPID enough TO LET IT GO.. the church never took responsibility for it and blamed it ALL on the drivers in the situation.
    I think it’s the church as a whole’s responsibility, and they should pay!
    they do not see it this way.. and since the people that got in the accident don’t make a lot of money, they are not trying to take responisiblity either!
    It’s soooo frustrating and just a NIGHTMERE.
    my dad paid $5000, actually a little more to get the car fixed.

    someone at the church described it as just like a pizza delivery driver, that they use their OWN car, and if they get in a wreck, THEY pay for it THEMSELVES..
    I disagree and think THEY SHOULD own their OWN car and have insurance, which they DO NOT.. so..?
    what do you think?
    I need help, please.
    thank you.
    we were all on PAYROLL at the church and it was for CHURCH business.. recruiting someone I think..
    I’ve been hassled and been harassed and made to feel badly for even assuminmg that they could pay.. and TRIED to handle it INTERNALLY.. the statue of limitations is NOT up.
    I didn’t have FULL COVERAGE..
    I did have INSURANCE, only liability.

    The person driving my car was HIT by someone else.. so she, actually was NOT at fault… it was the other person’s fault.. we tried to put a LEAN on that person’s car.. so that person when they got in trouble.. they were in legal trouble or something.. when they were in trouble that they would get their car taken.. and use that money to pay us!!
    I don’t know WHY that didn’t happen??
    the person driving the car WAS an EMPLOYEE of the CHURCH AT THE TIME. .AND SO WAS I!!!
    I was TOLD the statue of limitations is not up.. hoping this is true.
    unfortunately small claims is only $3000 in Ohio.
    IT happened at Church of S****** in Cincinnati, Ohio

  18. Jeramy July 4, 2013 at 6:31 am #

    Sorry if i may sound like a idiot but i dont know the laws and im not going to let myself get screwed over something that was not my fault.

    I was in a wreck this past sunday which i was not at fault and the other person was not insured.
    I have a few problems with this. first off, it is now Thursday and my insurance company still has not came to see my car because their a little “short handed” right now and said it wont be till next week untill they can get somebody to look at it (its now been 5 days). Second, i was told that since i had full coverage i had uninsured motorist on my policy but that could be a “long” process and Third, i have been told by others that my insurance will give me fair market value of my car which by my estimate it looks like i will break even BUT they my $500 deductible out of that money leaving me to pay $500 out of my pocket. i was not injured but i am still a little sore. i cannot sue the uninsured driver because they are going bankrupt anyways so that really leaves me screwed.

    Im not a greedy person but i atlest just want to break even, deductible included. when all this is over i dont want to have to pay anything out of my pocket because after all i did nothing wrong and was minding my own business when this person hit me. I will not let some loop hole screw me and will fight till the end but since i know nothing about the law i need to know do i have any leverage as far as telling my insurance company “hey, i need more $$ then what your offering me”. i know that its a little different when dealing with your own insurance company and trying to get more $.

  19. Isreal July 4, 2013 at 1:35 pm #

    If my church wrecked my car and has never taken responsibility, can I sue them? take them to small claims court?
    I worked for a church,.. Okay, the name of it will remain nameless, (unless you become interested..)
    so anyways, I worked for a church and lent them my car while I went on vacation, and it was TOTALED when I came back.
    they have hurt me soo much, disrespected me and not helped me AT ALL.. with this situation.
    It is not okay to make me feel badly, but that’s what they did..
    they did not bother to get me a rental car, or do ANYTHING to help at all! it’s NOT OKAY!
    my question is can I sue a non-profit organization?
    because they are telling me I cannot.
    But I do not believe this.
    thanks.

    I did have insurance, but NOT full coverage.

    and the church is an organization, who DOES NOT have insurance and gave someone at the church a mission to drive my car, and didn’t have insurance.
    this is WRONG very WRONG that noone took responsibility for my car. the person who CRASHED it didn’t have insurance, and got away, and the individuals didn’t take responsibility… blaming that they don’t have a lot of money.
    my dad believes the CHURCH should take responsibility, since they were on CHURCH business.
    this is NOT a christian church.

  20. Foster July 4, 2013 at 3:26 pm #

    I was in a hit and run accident last night on the highway. A car- business/work truck, specifically- hit me on the passenger side, threw me into the left lane, and hit me again. He drove off but a car behind us that saw chased him down, got his information and delivered it to me. The driver of the vehicle can barely move her arms and neck(she’s a hairstylist, so she won’t be able to work for at least a few days) and my right side, I was sitting passenger, is sore and stiff.

    We filed a police report, both for the wreck and the hit and run, and called the insurance to make the claim. The odd thing is the police immediately knew who we described as hitting us- he’s got several warrants.

    Our families are telling us to sue(we are well connected with the city police and several high level lawyers). We have the business truck’s make/model/license, and are both definitely injured. IF we sue, what will be the likely outcome?
    I’m not going to bother family friends- ie the lawyers- on a Sunday, but I do want to use my time wisely by being as knowledgeable about the situation as possible. But thanks for being an ass instead of being helpful like everyone else.
    As for the doctors, we were in a bit of shock last night so the pain didn’t fully settle in until this morning. It being Sunday, I can’t find a clinic that is open. I’ve already made appointments for both of us tomorrow morning.

  21. Georgette July 4, 2013 at 4:01 pm #

    My brother got in a car accident 3 years ago…. the car he wrecked was registered under my dads and his brothers business. Basically my dad and his 2 brothers have a partnership in it. We tried to remove the car from being registered under the business, but DMV problems delayed the whole thing until it was too late. Basically the insurance paid the guy $25,000 because we had Limited coverage. So this guy wants more money and they are now suing my dads company because it was a partnership at the time and they can go after my dads and my uncles assets. (we changed it to limited liability already). They had a court hearing today and the judge granted the guy the motion to sue us for $500,000. My dads company which does stone and stucco…. has been doing really poor lately because of the bad economy. My dad only brought home like 15,000 in 2008….. and now they are not even paying themselves money because they only have enough to pay the bills for the company.

    So this guy is suing us for $500,000 and my uncles and my dads business is is worth like $20,000. This is totaly unreasonable. I think the guy and his lawyer think that we own a huge company, but in reality our company is barely profiting and worth almost nothing. If they even win, there is no way we could even pay any $1000 of that lawsuit. We are living on our equity basically.

    My question is finally, do they have a chance at wining, and if they do… how are they going to make us pay this money, if we have absolutly nothing???

    Btw my bro was wearing a seat belt and walked away…. the guy who is like 65 was not (and supposedly studders and has to walk with a cain)…. my brother was also in a small car like a Carola and the guy was in a huge expedition. would that be classified as negligent driving under his part if he had no seat belt on??
    the thing is…. they think they smell money… but in reality my dad brought home $15,000 in 2008 my mom got laid off this month…. we are living off are equity…. we have no income almost

  22. Art July 4, 2013 at 5:33 pm #

    My dad is the CEO of the company. Will it be a problem insurance-wise if I drove that car? Will I be insured and can the company get sued?
    what if i get permission?

  23. Micheal July 4, 2013 at 5:33 pm #

    Hello – I would like to give you some of my financial information to see if you believe I would qualify for a loan before having to run my credit and have points deducted.

    I turn 20 years old in the fall. I own a landscaping business. I have been living with my parents to be cheap and save money for as long as I can hoping to buy a house and to build a good financial cushion 🙂 I make a base salary of $2,653.00 each month, $31,836 a year. The business pays pretty much all of my expenses, cell phone, vehicle, fuel, insurance, 50% of health insurance, office telephone and internet – pretty much everything but food, hygiene, clothes, and entertainment. I feel very comfortable with roughly a $900-$1,100 a month payment, by IRS regulations I am able to reimburse myself 15% of all expenses for a “home based business” (my office) for (mortgage payment, water, electricity, TV, etc) so I plan about $130-$150 from that.

    Experian reported my credit as of 7/31/09 of 742

    1 account now closed, no late payments etc
    1 account open – $500 limit no balance (paid off each month)
    1 account open – Business Equipment Purchase roughly $15,000 remaining of $24,000 – no late payments etc.

    Where my problem is,

    In 2007 I reported $19,000 in gross income from a previous employer – 3 years of reports
    2008 $10,000 (first legal year in business, about 60% of my wages were under the table which hurts for my situation now)
    2009 –

    I am also employed by Sheetz for the winter, basically just a hobby to have something to do. I roughly pull in about $2,500 over the 3 winter months working part time there.

    Another problem is I do not have a co-signer.

    I would like to look into purchasing within the next (3) months if it is possible, I just would prefer buying then renting.

    If you believe I might be eligible let me know and we can go ahead and do the actual prequalification – I just don’t want to run my credit if I have a few possible reasons that can revoke my qualification.

  24. Joanne July 4, 2013 at 7:08 pm #

    I’ve only just begun to sell and bake cakes and pastries from my home. I do NOT have professional training, however, I do hold an advanced level food handler’s card(good for four years) I received through a program in the U.S Army. I have much experience working in professional restaurants however and am very familiar will the sanitary precautions I need to maintain in my home to prepare these sweets.

    I have advertised my home business online(craigslist, facebook) and have already completed many successful orders. There is one potentional order that I am not sure I should do. I have NOT yet insured myself with product liability but will be doing so in the next couple weeks. In the mean time I am NOT making any more orders until I am properly insured.

    This wedding is set for the end of this month. I had been talking to the bride for a couple weeks now and was all set to make her cake when she just told me today that she has a wedding coordinator and that said coordinator wants me to sign a contract or submit another kind of written consent.

    I thought about this, and it makes sense coming from their end to cover their asses and make sure that that cake gets there(especially since the bride did find me on craigslist ya know) however from my end it doesn’t seem smart to go ahead at this point and consent without proper insurance. Of course I have every intention of making the cakes and doing it to the very best of my ability, but what IF something happened. What IF someone got food poisoning(not from my product) but blamed it on me and tried to sue? This just seems idiotic for me to consent to any legal documents without being properly set up to do so.

    I was just curious to know if this is a common thing–cake contracts. She was VERY upset with me when I just told her that I regrettfully did not feel that I was comfortable making this a legal situation–given my lack of professional set up. Thoughts?

  25. Rafael July 5, 2013 at 12:05 am #

    as well partnerships

  26. Kerry July 5, 2013 at 3:16 am #

    AARP just seems like a conservative, insurance selling organization. Anyone know of a group that is a voice for the ‘over 50 and educated’ demographic? Thanks!

  27. Mathew July 5, 2013 at 4:10 am #

    I am wanting to start a night club business. And i really have no idea where to start

  28. Georgeann July 5, 2013 at 6:21 am #

    So about a month and a half ago, I was at a “Yield” sign waiting for the driver in front of me to take off so that I could pull up in my spot to wait my turn. Well the driver goes to take off so I go to pull up, but because the driver took off too early as there was another truck coming from the other way, she decides to put it into reverse and backed into me. Well too make a long story short, I asked her if she was ok, and she said yes and no need to call 911, and the small hit to her back bumper was fixable. I gave her my info, and when it came time for her to give me hers, she got in her car just left! About a hour later right before I go to the police department to file a report her husband calls me to ask what insurance com I was with, I told him, and heard in the back ground “****! He’s got them!” I then got her info, and was told I was going to fix the bumper.

    Come to find out later, they did not have any insurance on their car, and now she was running to the hospital calming to be hurt, and that her “son” was hurt too. My insurance co denied her claim. Now after all this time I get a phone call from my co saying that she is suing because out of the blue a witness just happened to meet her at a Church function. The witness claims she was sitting in her car “next” to me and said that I was running at a high speed and hit the driver in front of me dead on, and that it happened at a red light, with a camera. When the witness was asked about why she didn’t stop, she said because she “had other things to do”.

    Now if I hit her dead on, then why is her hit spot on the back driver’s side, and mine’s on the front passenger side. The wreck did NOT happen at a red light, but at a yield sign where we were both stopped. I filed a police report after it had happened, she did not. I have full coverage, she didn’t have anything. I gave her my info at the scene, and she gave me hers a hour later over the phone after she drove off. Plus my wife had call the number back, and spoke to her husband where he told her that his wife had drove herself to the hospital with their grand kids. But also was telling my wife all about the money problems they were having!

    Does she have a case? I’m in Texas btw

  29. Kurt July 5, 2013 at 7:20 am #

    did not know.! this question is pretty lengthy because all the Obama supporters always find ways on this site to side-step direct questions, so i do not want to leave any room for error. When Obama was Campaigning he said all bills would be posted on the web 5 days before there was a vote, however with health insurance they did not, the bill was not even complete. Now i can only think of two reasons for this. 1. Obama is a liar and never intended to post it. or 2. he new about the Mandate that basically forces people to buy health insurance and he simply did not want to answer questions about it. Your opinion please?
    Then there are those who say the economy has grown, however in 12 states unemployment is at record highs while Obama is telling the world to attack us and we will sit back, and while he is still campaigning for his Health care “REFORM,” or so called. Why is Obama not working on jobs why is Michigan in double digit unemployment, why is our National Debt STILL growing under Obama and why is he still Campaigning for health insurance? your opinion Please?
    Then there is the Fact that our men and women who Obama promised to bring home has not brought them home, they are fighting and dieing for countries and people who do not respect them nor want them there and we say nothing, yet when Bush was in Office we protested to bring our troops home. Were are those Protest now?
    And finally for people who said Obama had to spend more to get us out of Debt, no he did not, Obama has only used about 30% of HIS stimulus plan, and now he is using more money to pay for GOVERNMENT RUN JOBS. The Bush Bail-out basically stabilized the Banks and now Obama is just handing out free money and causing us more debt. So with the knowledge that only About 30% of his 716 Trillion dollar Stimulus has been spent why are people not protesting against more money being handed out.? How is this helping our Economy.? and why do people see this as GOOD GOVERNANCE? your opinion please?
    (one more thing for those who think i hate Obama, no i do not, I like Obama as a person whoever i do disagree with his Policies and the path he is taking our country and the way he is dividing this country.)

  30. Donnell July 5, 2013 at 11:16 am #

    Hey all.
    A chief marshall of my town is apparently looking for me. He had left a business card tacked onto my door threshold. My mom had called to see why it was left, and the marshall said he was looking for me. My mom said something about signing some papers. I had a car wreck back in October, and went to court Dec. 24. I was at fault for the accident, went to court, and paid the ticket off. I honestly don’t know what these papers could mean. Does anyone have any clue as to why I’m being looked for? My mom said it might be that the lady I hit is suing me, but usually people that sue–sue the insurance company. Ideas? Help?
    Correction: Chief Deputy, but from Marshal’s office

  31. Rossie July 5, 2013 at 1:20 pm #

    I have good credit but my income is very, very low. I have experience in bartending and what works and what doesn’t in bars to help my business (location, drinks, service etc.) With my idea’s, I feel this a very successful bar. Does anyone know how I can raise money or get a loan with no problems?

  32. Odell July 5, 2013 at 5:38 pm #

    I’m a car salesman and I took a customer out for a test drive in a brand new car. He was driving recklessly and I asked him to stop but he said “he wanted to see what the car could do since he was buying it”. When we returned from the test drive, he said he wasn’t going to buy the car. He just wanted a joyride. Apparently another employee saw smoke coming from the car when we returned. I didnt notice as I was taking the customer back inside. Few weeks later, the transmission is damaged. Now the owner of the dealership is saying that he’s going to sue me for the repair costs for the transmission. Can he do that? Any thoughts or advice?? HELP!!

  33. Demetrius July 5, 2013 at 8:52 pm #

    My parents own a campground on a lake, and my 95 YO invalid grandmother lives on the property. Recently there was a major train wreck nearby, and it dumped a great deal of oil into the lake. My grandmother, the property, the campground business, and the tenants have all suffered from the damage from the wreck as well as damage from the cleanup crew sent to fix the mess. I’m not sure where to start as far as what kind of lawyers/legal specialties we need to ensure my parents don’t get sued and everyone is fairly compensated for the damages they have suffered. Any suggestions?

  34. Darwin July 5, 2013 at 10:19 pm #

    i was betten on the right side of my face that took out a large peace of my face dearing the atake after being given permishion to enter a mans wreaking yard to reteve some of my things frome my truck

  35. Berry July 5, 2013 at 11:19 pm #

    I always see messages on facebook and stories on the news about families whose kids died and that there is a fund to donate money. What do these people need money for? It can’t be for the funeral. Insurance covers the funeral. Plus, if you cant afford a funeral the state cremates for free and you can have your own little service for free. We did this for my mother. I know it is a tragic thing to lose a kid and I would be a miserable wreck if something were to happen to my daughter but do these people really need to beg for money?

  36. Suzette July 6, 2013 at 6:09 am #

    Went to a chiropractor for 2 months and its not helping me , my back is only getting worse. I’ve since quit going there. now im lost???What could this be? It hurts all the time and i can’t hardly even bend over im still young!!!!The owner of the buisness van(WHICH HAS NO INSURANCE AND I ONLY HAD LIABILITY) that hit me wants me to send him all my bills and damages so far so he can settle but i do not want to be stuck with a messes up back and don’t have any money to even get a MRI, WHAT SHOULD I DO HELP!!!!
    The other party was at fault but has no insurance!
    I saw a medical Doctor at the emergency room, he said it was typical to have pain after a car wreck.he didnt do any x-rays or anything. Now the chiropractor did some x-rays and found that my one of my hips were higher than the other but he said it was just swelling and that it would go away with-in time, its only getting worse!
    The chiropractor refered me to get a MRI, BUT I DONT HAVE ANY MONEY HOW DO I GET THE OTHER GUY TO PAY FOR IT? Or can i ?

  37. Loren July 6, 2013 at 11:43 am #

    My explorer was being fixed at Merchants Tire & Auto shop. They had already put on tires, installed a new rim, backlight, and a new battery. This morning at around 6 a.m. a drunk guy went to their shop and stole my explorer. Merchants had it in their parking lot, unlocked, with the key inside. The guy took it for a ride and completely totaled it. It can’t be fixed. I’m 7 months pregnant and have been stressing enough about this truck because of all the money we were putting into it. Now my stress has gone through the roof. The police here say it can take months before I can take the guy that stole it to court. I didn’t have full coverage on the truck, just liability. So I don’t think my insurance can help me at all. So now I’m not gonna have a vehicle to take my baby home in from the hospital when he’s born. What I really want to know is what to charge the guy with… obviously I’m going to charge him for stealing the explorer and wrecking it but what’s it called? Grand theft auto? Also can I charge him for the deal of stress he’s caused me during my pregnancy? And can I sue Merchants for leaving it unlocked with the key inside? Since I don’t think my insurance will cover anything can I get a rental car paid for by somebody? Any advice would be appreciated. Thanks.

  38. Lucas July 6, 2013 at 9:13 pm #

    About two weeks ago I was in a car wreck. I was going through a parking lot after backing out of a spot. This parking lot had multiple businesses. Anyways, i was going through the packed parking lot, passing all of the parked cars when all of a sudden, I heard a loud noise along the passenger side of the car. I then realized that it was a guy on a bicycle. So, I stopped immediately and checked on him. I called the police. It was just a 15 year old kid. He was going fast through the parking lot in between the cars and hit mine directly in the passenger side front fender and into the door. he was complaining about a hurt leg although he was walking on it. But, i played along. I called him an ambulance. The police showed up and declared it to be his fault. Apparently, the parking lot was private property and because the guy was on a bicycle and obviously had no “car insurance” i would have to take him to civil court. Also i do have insurance but liability only and the only thing my insurance company did was an investigation to make sure i did nothing at fault. So the damage on my car includes broken side mirror, 2 large dents in passenger front fender, dents in door to where the door wont open anymore. The officer also said they will try to sue me for medical bills but will probably b unsuccessful. my car is a 1996 pontiac sunfire gt convertible and is worth 3800 in excellent condition. Do i need a lawyer? I want to get the most money I can get for my car without it totalling out. Also i want to know if a lawyer would help or be a waste. what kind of lawyer? and can i get one who will get me more money but get a percentage of what he wins me?
    also there was a witness that worked at one of the stores there. he wrote what he saw and it matches up with my info

  39. Jessi July 6, 2013 at 9:45 pm #

    The car is for my boyfriend but the car loan is in my name, its registered to me and I had insurance on it from Geico. Geico cancelled my policy because he didn’t stay on top of things, So now my boyfriend claims he put the insurance in his aunt’s name but I don’t know how true that is. but how can he put it in his aunt name if its still registered to me and doesn’t he have to return the plates back to motor vehicle? I just want to make sure he’s not lying to me and driving around without insurance. Another thing he has two unpaid parking tickets on the car, I want to teach him a lesson, If I don’t mention the tickets again and it doesn’t get paid, will that affect me in any way as far as getting arrested goes? I want the car to get towed so he will learn to handle his business next time. I asked him last night for proof of insurance and he said he will show me but he hasn’t shown me yet.
    We live in NY by the way.

  40. Sherlyn July 7, 2013 at 1:33 am #

    Okay, hello.
    I have posted this question a few times, but it is come up again.. I thought I could get something handled by them, but they are not making it easy.
    So, I was on staff at the Church of ******** and they pressured me into using my car. Now, I was going on vacation, so I DID offer for them to have use of my car, but it was used by another staff member.. we did get paid. Longer story short, they totaled it. Now, it WAS the other person’s fault, not the driver of my car’s… which, I did not give THIS particular driver who wrecked my car PERMISSION to use it!!
    But anyways, so she was not at fault the other driver was.. BUT STILL.. the church claims they do not have insurance, since at the time they did not have a car!
    Seems crazy for this particular church since it IS a business, meaning people go there, pay money, to get services, auditing, etc.. take courses.

    Okay, so this caused HUGE stir in me and what I should do.. part of me didn’t honestly care that much, I have bigger THINGS to worry about and just wanted to do the right thing for MY parents, who REALLY helped pay the $5000 for the damages.

    To make matters worse, man this is a horrible situation for me to be in..
    because I really do LOVE this church and what abilities I have gained from them, but it still doesn’t excuse them for not being responsible.
    So, my dad was PISSED to say the least that they did not want to take responsibilty for what happened to my car.. I loaned it to them on good faith, they get in an accident and I have not seen ONE PERSON at the org do ANYTHING about it!! it’s mind blowing!!

    So, it gets much worse.. so this new lady the Ethics officer comes in a few years later, and I tell her what happened, this was last year.. finally someone is going to do something about it!! but, wait, they are not taking my side on this and making it seem, like well, I am the one who LEANT the car, so I should be resposible and not the church. PLUS, they are sayign it’s the INDIVIDUAL people who are responsible not the ‘church’ AT LARGE!
    I felt this way for years, but now realize.. NO, they were on CHURCH business, using MY CAR because they did not have one.. they should have responsibility in the situation!!!
    So, they had a meeting BEHIND MY BACK, while I was at work that my mom DID NOT TELL ME ABOUT for 5 months!!
    this part is what gets me sooooo angry!
    I was invited to the meeting, but I had to work, and I knew that they were twisting the story around to not be responsible, and try to make ME somehow be in the wrong!!
    I KNOW, NICE CHURCH, EH??
    So, I went up lines, at the organizatin, before and during this meeting WITHOUT KNOWING this meeting took place to try to get someone else on MY SIDE about the situation, and HELP ME!!
    I really loved the church and wanted to expose my parents to it, but I wanted everything to go well, and this bad PR shit that the church has going on, is not helping us ONE BIT!!!

    Anyways, so I have thought long and HARD about suing them.. I haven’t yet, one because the statue of limitations is already gone.. but I COULD sue them in SMALL claims court which is better than nothing!!
    oh, i forgot to mention that at this mEETING that I was not told aobut my mom AGREED to take $500 !!! when originally the damages were $5000!!!! OMG!! I WAS SOOOO MAD!! especially because of all the hard work I’ve been doing UP ABOVE my church to make sure it was handled correctly!!
    anyways, I called and asked this Ethics officer, what was going on , as I finally received a letter back from them saying that it was all taken care of at the local org..
    I thought.. hUM… great!! not what I was hoping for!!
    So, I call the person in charge who makes me feel like a fool for not knowing it’s already handled!!
    Then, I go to the ethics officer, Mary, who says IT’S NOT handled yet, and it , get this, “WOULDN’T BE FAIR” FOR me to find out yet, since they weren’t for sure what’s happenign!!!!!!
    OMG!! I THOUGHT.. wouldn’t be fucking fair!!!
    UH, WAIT a minute.. ??
    so I tell my mom this story.. THIS IS BEFORE knowing she went to the meeting and agreed, and she was upset, by me, so she called Mary herself… now meanwhile, my mom had been secretly waiting.. meaning nOT telling me, that she was waiting for the $500 that she agreed to 5 months ago!!!
    I know this sounds REALLY COMPLICATED.. but it’s really not!
    So, Mary told her, to come down and she could COLLECT THE MONEY!!!!
    After Mary just told me NOTHING HAD BEEN agreed upon yet, and It wouldn’t be FAIR OF ME TO FIND OUT!!!/?????
    I AM SOOOOOOOOOO BEYOND words how that makes me feel.. sooo betrayed!!!

    So, question, do I sue, do I try HARDER to get them to help me out and do the RIGHT THING??

    I know I’M MAKING THIS SOUND horrible, and it is.. but
    honestly, part of me just wants to get this OVER WITH!!

    Thanks, if you read all that!!;)

    p.s. i had LIABILITY oNLY not full coverage..
    p.p.s.. the person that hit Janice, the lady driving my car, had
    I TRIED getting a lean on the lease of the driver who hit Janice, in my car..
    but first off, the other driver was a loser who tried to leave the scene of the accident, and THEN, was flagged down by someone else..
    he provided FAKE insurance at the scene of the accident.
    because he was a loser, anyways, I put out something.. so when he went to register his car, they would take the car, sell it, and give us the money.. or so, that’s what we were lead to believe..
    anyways, it NEVER happened, that guy got away SCOTT FREE.. and was not held responsible, for not only having FALSE info at the scene, but for my car as well..
    whatever to the smartass who’s telling me to WISE UP.. I told Elena the person I gave the car to ONLY THAT person.. could drive my car.. it isn’t up to the CHURCH./? give me a break??
    wtf??

  41. Masako July 7, 2013 at 5:54 am #

    I got in a car wreck in Oct 25. Insurance final estimates provided to body shop in early November. Estimates indicate 24 days needed for repair. Insurance company paid Body shop. We are sitting here in Jan 20th (more than two months after supplemental estimates are issues) and the car is not ready. Let alone, the manager of the body shop refuses to provide with a written status and estimates for delivery of the car. He also never returns my calls. What kind of recourse do you I have? He is rude and improfessional (when I go to the shop they make me wait and then tell me he is busy). Insurance refuses to intervene (citing the fact that I chose him). To whom should I complain?
    I see my car and I see that repairs are being made but I need a final date. I have been renting cars out of pocket since insurance covers only first 30 days. Any advice is greatly appreciated…

  42. Salvador July 7, 2013 at 10:15 am #

    A couple months ago I got into an accident my fault, though my insurance denied coverage for me since I was a minor and was not listen on the policy; my car was totaled. Today I received a letter from the other person’s insurance charging me a few thousand dollars for what they paid. Currently, I have new insurance on a different car, but it is liability. Will the new insurance, which is Fred Loya, be able to pay for the previous accident? Or what will happen?

  43. Thanh July 7, 2013 at 7:42 pm #

    I was in a rear end car wreck back in august. My bf was taking me to a job interview. Before we got there, we were stopped at a redlight and got rear ended by a truck going 40-50 mph. I got a concussion and was sent to the hospital.
    I have been having memory loss every since the wreck and have been having my mom help me do things. The wreck caused my neck to become so sore that I couldnt lift my head up on my own for over a month. I wasnt able to do things like get dressed, take a bath, use the bathroom, eat, climb steps,lay down,sit up,etc.. on my own.
    Well me and my bf got into a arguement and we no longer talk to each other. I found out today that the guy that hit us had insurance that was going to pay for my hospital bills and the insurance company has been trying to get ahold of me but they could only get ahold of me through my ex boyfriend and my ex has not made any contact with me to let me know that they have been trying to get ahold of me.

    I have a voice mail on my phone from the insurance company telling me that they have made contact with my ex and told my ex to give me a number so I can call the insurance place myself and deal with what happened to me. My ex did not give me any information and now my credit could be ruined. Help me please!!!

    The reason I didnt have any information about the wreck was because my ex told me that he would work everything out for me while we were together. We got into the argument later.
    MSAD, you DO NOT know what I have been going through. Have you thought that maybe I was too hurt to do anything? Exactly!

  44. Evelyne July 8, 2013 at 11:27 am #

    I bought an 05 G35 2DR exactly 2 years ago from a used car dealership. During the transaction, the salesman only told me that that it might have hit a curb from the previous owner due to a scratch on the front bumper lip. Later I find out that the rotors all need to be replaced or straightened out along with new brake pads. I find out that my front left tire is completely worn and after further inspection find that a completely bad steering knuckle and ball joint is the reason for uneven tire wear. Then the mechanic points to my attention that the styrofoam in the bumper is taped up and the hood is after-market, meaning it’s been in a major accident. This was exactly a year ago (1 year after car bought). today the mechanic old me the control arms are both torn in the front and the shocks have been leaking for a long time.

    the carfax showed the car clean but the mere fact that an after-market hood piece would only mean a major accident and the dealership’s failure to disclose such crucial information seems beyond shady.

    I understand the “as is” condition of the used car business. however, shouldn’t something like this be disclosed to regular consumer with very little experience with cars? therefore, would there be a means for me to get my repairs reimbursed by the dealership or possibly sued??

    thanks in advance

  45. Sam July 8, 2013 at 5:46 pm #

    My wife has been allowing her father to use her car to work as a pizza delivery man while his car is getting fixed. We don’t have her car listed as a business vehicle, but he says that if he wrecks it his insurance will cover it. I’m not sure if he is correct or not, but I don’t know the law in Georgia. I’m afraid he’ll get in a wreck and we’ll get sued or have our insurance policy canceled. Is he correct? Thanks.

  46. Libbie July 8, 2013 at 7:06 pm #

    nonprofit organization is renting out part of facility to another nonprofit group. Where can I find a rental agreement form? Are there issues that we should be aware of to include in the agreement?

  47. Yolanda July 8, 2013 at 9:58 pm #

    Their insurance accepted fault immediately. I have rights according to CA Auto Ins. Law, but Geico acts like they do not have to adhere to my rights under California Insurance law. The CA Ins board is watching, but they will not answer this and other questions.

  48. Leonel July 9, 2013 at 3:17 am #

    I hope to one day obtain my pilots license and become a flight instructor. I also would love to be a police officer and own my own flight school. Any ideas on how a police officer who is a flight instructor can open his own flight school as a part time job? I know a lot about how flight schools work, I currently work at a small one now and the owner is only there a few times a week. Thanks!!

  49. Regena July 9, 2013 at 11:58 am #

    -This is a not-for-profit organization
    -Only 4 full-time employees

    The board is saying they heard this is illegal to do.

  50. Sofia July 9, 2013 at 2:20 pm #

    Just bought a new car four days ago, now the dealer says he needs me to sign a military release so he can contact my job if anything goes wrong. Sounds sketchy to me… whats this all about? Do I NEED to sign it? I already have the car.
    I just talked with him and he said it’s a loan stipulation and I had to sign it or he’d pull the loan. I don’t like the idea that I have to sign something to waive my rights just because I’m in the military.

  51. Antione July 10, 2013 at 6:15 am #

    Im probly over looking this to much but I figured I’d get more advice. About a year ago a girfriend and I went out to have some fun. We went to a bar and meet 2 guy who invited us to a lake house they were watching for the weekend. We were under the impression it was a party but hen we got there, there was only 4 people there. It was nice and in a richy rich neighborhood. We began drinking and having a good time and was welcome to stay the night. As the night went on she hit it of with one guy as me the other. Well problem is Im married and shouldnt of been there in the first place. ( My husband noes and weve worked past that ) Anyhow I left my keys on the counter(wasnt driving after I drank). Guess she didnt wanna do the deed with the guy she was with and asked him to show her the room I was in and he did. She knocked on the door and said she wanted to leave but I wasnt driving in my condition and I continued carrying on. I ended up passing out and when I woke up I had a message on my phone from her saying she wrecked my car and totalled it! I got up and asked one of the people there for a ride and left. Course I went to her house and chewed her out. Later I reported it cause she had left the scene. I never told she was drinking cuz She was a few days away from being 21 but I had to tell so my insurance would cover it. Now shes hired a lawyer and said she left cuz she was in a bad situation and didnt want to be there. Can she really do that? Not to mention she left me there and didnt even come get me the next day and owns a car! I lost a lot of money outta her decision. Is this a good defence for her? Was me commiting adultry going to hold up for her? And shes goin to take me to court.

  52. Arnulfo July 10, 2013 at 5:26 pm #

    Do you need to have an official organization – whether non-profit or a for-profit corporation – in order to offer services to the public? Or can you offer services without being recognized by the government as an organization?

    The services I’m speaking of would include on-line computer services for educational purposes. Providing certain products like personally-made books, etc for sale as well?

  53. Odell July 10, 2013 at 7:13 pm #

    I wrecked my car last year and my insurance paid out a claim to me so that I could take it to any shop. Having a “friend” who knew lots of people in automotive, I went to him. He knew a guy at a shop, and the guy did all of the body work and paint for $1200. I never met with the shop owner. My “friend” took the car to him, paid him with the money I gave him, and returned the car when the job was complete.He said the guy wouldnt give a receipt cuz it was friend deal and the guy didnt want to claim the cash (under the table). I never knew this when I handed him the cash that it would be that way. When he returned it, I instantly noticed problems and took tons of pictures. My “friend” said, “no problem”, we will get it taken care of. Nonetheless, after several months of asking, my “friend” told me the guy must have gone back to El Salvador, but he would continue to try and make it right. After a few more months of asking, he said, they guy may be in jail, the shops closed…some excuse. He continually said “this is why he is not in the auto business anymore, and doesnt want to do deals with friends, too many hassles and problems”. It’s now been a year and my paint is chipped, some peeling terribly, the hood never fit cuz he got it aftermarket rather than factory. Terrible work. I honestly believe that my “friend” kept as much money as he could of the $1200 and so….He had the audacity to say I should pay Maaco or Earl; Scheib another $6-800 to get the paint re-done.

    Can I sue the “friend” for the $1200 since he was the broker in the deal, working out all terms on my behalf? He did not fullfill what he was suppose to.

  54. Morgan July 10, 2013 at 10:30 pm #

    I have a home based busines very small selling magazines on the internet and door to door. Its a LLC, partnership with a friend of mine, if he was working and got i a car wreck and hurt someone and they sued the company could i lose my house because its the business address AKA Business headquarters.

  55. Chester July 11, 2013 at 1:37 am #

    I have some money and I want to give to an organization

    Thank you guys!!
    Thanks Psw84, I don’t have much either, but it makes the difference! It’s funny how st. Jude was actually the saint that helped me so much.
    Thankks again for your answer :))
    gojuryu,

    good idea too,
    Thanks
    Thanks everybody

  56. Bobby July 11, 2013 at 6:30 am #

    I have a small photography business and was asked to provide liability insurance in order to do a shoot at a catering hall. I don’t know where to find this type of insurance, and don’t want to break the bank either. I don’t even know what this kind of insurance is called… can anyone help?

    Thanks in advance.

  57. Giselle July 11, 2013 at 7:45 am #

    I moved from AZ to CA and I am retired but very little income. How can I afford to pay for health insurance? Are there any organizations that can suggest places to contact.

  58. Rosy July 11, 2013 at 8:03 am #

    I am looking to join an organization like the Peace Corps, but one that doesn’t last two years. I was thinking about 6-12 months, but any ideas would be very much appreciated. Thanks.

  59. Daniel July 12, 2013 at 5:40 am #

    There are more health insurance companies now with a smaller pool of policy buyers (mainly because it is too expensive) and they are still making huge profits. Think back to what it was before and then give me an answer.

  60. Margert July 12, 2013 at 3:36 pm #

    Some religious orgnaizations, Cathlic in particular, feel their health insurance plans should not cover the cost of contraception or other related serivces for women because this is against their doctorine. Even though they higher (supposedly) persons of all or no faiths. I feel this is a gross voilation of women’s rights. Opinions?
    Try, if you would to see it from a human rights point of view. I wonder if these same organizations offer paid maternity leave? I’m guessing not all.

  61. Arlena July 12, 2013 at 7:22 pm #

    I am talking about health insurance that covers doctors, prescriptions, and hospital expenses.

  62. Jamila July 12, 2013 at 11:58 pm #

    If the government is telling insurance companies that they have to giving insurance to children with a preexisting conditions; isn’t this simply telling insurance companies to pay for all children with a sickness? How is that legal?

  63. Mariella July 13, 2013 at 12:29 am #

    I would like to see a psychiatrist to treat my depression but I don’t have health insurance. (I applied for private health insurance but was denied based on my medical history.) Is there a way to look up doctors who work on a sliding scale? I might need medication as well. I definitely won’t qualify for medicare but I’m not sure I can afford to pay full price for medication. Any ideas?

  64. Mark July 13, 2013 at 7:56 am #

    Hello friends…
    i am a law graduate. i got the information about the vacancy in an insurance company. but advertisement is not published yet. so i want to submit an application before that.
    so please friend since my english is very poor send me a specimen of the application.

  65. Cyrus July 13, 2013 at 8:19 am #

    My wife was saying that she wanted to sell insurance, but only after she was contacted for an interview (she has been out of job for three years now). Now she is saying that she has always wanted to work with animals; when we met she was studying theatre. Which career path is best for her to pursue now 20 years after school?

  66. Huey July 13, 2013 at 9:20 am #

    … compassionate and efficient manner, the same way they think federally-managed health insurance should be managed?

  67. Georgette July 13, 2013 at 9:33 am #

    It is said that Insurance companies shall pay a part of 660 Million $ paid on behalf of Roman Catholic Archdiocese of Los Angeles to settle Clergy Sex Abuse of children.

    I understand Insurance on Accidents as accidents do happen, but sexual abuse is intentional.

    Will that not encourage the Abusers?
    Rahul
    I tried to get information on the link you provided at both Yahoo & Google but it said no such kinks.
    Sorry Brother
    I wrote Rahul instead of Rohit.

  68. Alfredia July 13, 2013 at 11:51 am #

    I am a non-US citizen and need this information to do a case.

    Specifically:
    1) Is health insurance compulsory for everyone?
    2) What happens if someone cannot afford it?
    3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra?
    4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance?

    Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated!
    Thanks to those who have responded so far.

    I would like to further ask:

    Does a health insurance contract state that it will only cover the “normal” rates for a procedure? For eg. if there are 2 possible treatments for a disease, 1 of which is more expensive but more effective than the other, will the patient only be covered by the LESS expensive one?

    Or is it a case in which the patient can opt for the more expensive one and “top-up” the difference?

    This is a crucial question to my understanding the case. Thanks!

  69. Luke July 13, 2013 at 4:49 pm #

    What exactly is life insurance and how does it work?

    I don’t understand, won’t you be dead or something so what does it do for you?

    What happens if it doesn’t get cashed in, what does that mean?

    Sorry I don’t understand, please explain.

  70. Lloyd July 13, 2013 at 7:39 pm #

    We operate a Christian charity organization, called Machanyim, and are looking for ways to raise money for support. Machanyim helps people in need with food, clothing, shelter, employment, counseling, and other physical and spiritual needs. Two of the ideas presented to us so far are a charity golf tournament and a walk-a-thon. Any other good ideas?

  71. Mariette July 14, 2013 at 2:47 am #

    I am talking about filling out and filing all of the neccessary paper work and possiblely getting insurance for the organization.

  72. Staci July 14, 2013 at 3:26 am #

    I would like to contract with some good and well known IMO’s and/or FMO’s, but I can’t find a list of insurance marketing organizations anywhere.

    Does anyone have a list of 5 or so good IMO’s/FMO’s you’d recommend me calling who specialize in contracting Life/Health agents?

    Thanks!
    Jared

  73. Barbara July 14, 2013 at 5:19 am #

    I’d like to start a non-profit animal rescue/rehoming organization, but I don’t know exactly what it is I must do regarding paper-work, licenses, and that kind of stuff, or even where to start for that matter. Any ideas?

  74. Sally July 14, 2013 at 11:49 am #

    I’m not a legal adult, but I want to start a non-profit organization to help the homeless people in my city. How do I go about starting one? Is there any suggestions you can give me? And should I help the homeless people or homeless pets? I care about both causes, but which one should I choose?
    Thanks in advance.

  75. Norris July 14, 2013 at 12:53 pm #

    We just opened a nursing agency, the nurses that work with us are not our employees, we contract with them for a period of time, and contract with a medical facility for the nurse’s services. We have checked with 5 different insurance agencies for workman’s compensation, and we have been told that there is no market for workman’s compensation for subcontractors. Workman’s compensation is optional in TX. What other kind of insurance do we need?

  76. Salvador July 15, 2013 at 2:57 am #

    I get worried about my girlfriend because she doesn’t have health insurance. I am insured through my job, what are her options? Is there something she can sign up for? If she has health issues I want to know that she will be able to afford any necessary medical treatment. Thanks.

  77. Miquel July 15, 2013 at 9:34 am #

    Insurance Corporations and Pharmaceutical Corporations

    1: a state of intense fear

    2 a: one that inspires fear : scourge b: a frightening aspect c: a cause of anxiety : worry d: an appalling person or thing ; especially : brat

    3: reign of terror

    4: violent or destructive images (as on Fox News or Rush Bimbo) committed by groups in order to intimidate a population or government into granting their demands

  78. Glen July 15, 2013 at 1:45 pm #

    How can I start a non-profit organization that for free mows lawn for old people, rakes leaves and plows snow? I already have the supplies but are there any forms I need to fill out or certification on licenses or approval by courts in Virginia?

  79. Jacquline July 15, 2013 at 7:32 pm #

    I hold Illinois insurance licenses. I want to start my own insurance agency to sell long term care, life, health and disability products.

  80. Mitsue July 15, 2013 at 8:29 pm #

    I want to become an insurance agent, and was wondering which license is the best to start out with. I have never worked in the insurance industry before. I have tried to find this answer online but have found 1 person who answered. I’d like more than 1 input before I decide. Thanks.

  81. Columbus July 16, 2013 at 2:52 am #

    I entered in a contract selling life insurance for a company and I believe it is too unilateral (in their favor). This contract seems more like they own me and they tell me what I mandatorially have to attend (which is funny because the money comes from my pocket not theirs). There is no guarantee of assistance and mo guarantee of pay. You get lectured continously in class (and in this case they continously repeat the same thing, but when they see you are not reaching their goal they are not working to help or even giving answers to help. There is no protection for the employee.

  82. Antone July 16, 2013 at 8:01 am #

    I’m the Treasurer for an international non-profit networking organization, many of whom make their living as self-employed, or would like to be doing so. One of the biggest difficulties is affordable health insurance. Our organization is about 400 members, but there are similar organizations with whom we could partner that might bring that up to 1,000. If we had 75% participation, could we get monthly payments that “real” people can afford? (by this I mean $200-$300 for good coverage with RX, office visits, etc.) Thanks!

  83. Alejandra July 16, 2013 at 8:20 am #

    Hello!

    I have a pet related website.

    I’m looking to become an affiliate of one or two of the very best pet insurance companies/organizations.

    Does anyone out there have an informed opinion in this regard?

    Thanks!

  84. Seth July 16, 2013 at 12:21 pm #

    What are some trustworthy NON PROFIT organizations that you know for sure are worth donating money to and that will use 100% of the donations toward the cause of protecting animals? I’m looking for organizations dealing with both pets and wild animals, animal abuse, endangered species, etc. I’m planning on starting my own non profit ‘campaign’ of sorts to support a new non profit organization like this each month. I’m starting with animals, but don’t want to donate money to someone who will use it on something completely unhelpful to the actual cause.

  85. Tressa July 16, 2013 at 4:49 pm #

    I want to purchase health insurance on my own. What is a good place to start? How do I find out what kind of mental health coverage I can get? I am really inexperienced with this…any help will be much appreciated!

  86. Luke July 16, 2013 at 6:17 pm #

    I’m still in high school but for my senior project my idea is to start working towards (if I can’t establish) a nonprofit organization for young women.

    What steps should I take to get started? Any ideas on other organizations I can get ideas from and volunteer service done with too?

  87. Chi July 16, 2013 at 6:17 pm #

    There are two types of health insurance that I know of.

    Indemnity (fee for service or traditional) and manged care (like

    HMOs).

    What are the differences between the two and

    what types of plans are listed under these two groups?

  88. Siu July 17, 2013 at 1:19 am #

    Is everyone becoming an Insurance Agent now or are we the only ones left standing because of the industry that we are in? Not sure but Los Angeles, Ca is completely saturated with them and it’s making it extremely hard to build my book of business out here! Any good “unique” marketing tips?

  89. Harland July 17, 2013 at 3:13 am #

    I am writing a paper that requires me to find an organization or company that would fund a health care organization or social program. The program would be to train young people (ages 18 to 25) for free on basic health care, such as CPR, taking blood pressure, etc. Things people should know how to do in an emergency situation or if the situations simply warrants it. Does anyone know of any organizations or companies that would fund this type of thing? I’ve been trying to look but have not come up with anything.

  90. Nick July 17, 2013 at 7:11 am #

    Pharmaceutical companies develop and produce life saving drugs.

    Hospitals provide facilities for operations and recuperation.

    Doctors provide treatment and care.

    Insurance companies just take money out of the system in order to increase their profits. How does that make us healthier?

  91. Shannon July 17, 2013 at 4:18 pm #

    Really. What do insurance companies do with the premiums that they are paid?

  92. Rafael July 18, 2013 at 12:22 am #

    My husband is interested in becoming an insurance adjuster. Are there any other licenses he needs to get before he does this?? Thanks!
    So, if he had ONLY the adjusters license, where could he get hired? Or would he have to work independently?

  93. Rocco July 18, 2013 at 12:56 am #

    I have been planning to launch a non profit organization for roughly two years. At this point in my life, I feel that I am being called to do this and I am completely ready to dedicate myself to helping others 100%. However, I have absolutely no idea how to begin. I have been researching, but it seems that alot of these websites are quite costly, and I would prefer if it was on the cheap end considering I haven’t earned the money to fully fund this yet. I do know that it’s appealing and I have encountered many people who are interested in helping, I just need a little guidance. Any advice/suggestions are greatly welcomed and appreciated!

  94. Karleen July 18, 2013 at 5:42 am #

    I am planning to have family health insurance in these days but I want to understand the basic difference between individual and family health insurance.

  95. Marvin July 19, 2013 at 12:01 am #

    I live in a small city so I think pricing would be different than of a larger city and I do not have insurance. Also, on the organizations that pay you to be a guinea pig for their pain medication… I have heard of Ppd, cedra, and seirex?? But I am not gettng much information b.c Ppd is not experimenting anymore, and I am not finding anything on seirex.
    One of my wisdom teeth have already grown out but not all the way and is starting to give me pain and the other one is not grown out yet but it is painful.

  96. Enriqueta July 19, 2013 at 7:13 pm #

    I have to research an accrediting association or organization that influences medical record content requirements. I want to do it on something that there is a good chance no one else will, any ideas??

  97. Seymour July 19, 2013 at 10:53 pm #

    I think Invisible Children is a horrible non-profit organization as well as an extremely annoying one. They only gave 32% of their profits to actually help those poor children last year. So I was wondering, what is the minimal amount of your profit do you have to give away in order to be considered a not-for-profit organization? Please answer as soon as possible, as I have to write an article that’s due Sunday.

  98. Vera July 20, 2013 at 3:19 am #

    Why is insurance important?

  99. Werner July 20, 2013 at 2:28 pm #

    what is unemployment insurance? Is an organization required to pay unemployment benefits to all dismissed employees? Explain how you would go about minimizing your organization’s unemployment insurance tax.

  100. Rosena August 1, 2013 at 10:24 am #

    If someone is looking to start a non-profit organization would having filed bankruptcy in the previous year hinder their efforts. And if so what sort of steps would have to be taken to reach their NPO goal.

  101. Dee August 3, 2013 at 12:02 am #

    So, I’m a 25 year old individual, I’m about to graduate soon and I live in MI. I’m just learning about health insurance and I was wondering if anyone could tell me what you think would be the best type of insurance for my situation. I plan on staying here in the UP for a while bar-tending and not utilizing my degree just yet. Any suggestions? I would really appreciate it, thanks….This is all new and confusing to me.

  102. Norbert August 3, 2013 at 7:42 am #

    I have no medical insurance because we can’t afford it at all and I don’t qualify for Medicaid cause my husband makes right over the qualified amount! I did a self breast exam and found sooo many lumps in my left breast and if I squeeze my nipple clear whitish liquid comes out! Im very worried and don’t know what to do! I don’t have money to just go to the doctor and Im sure all the test needed is very very expensive!

  103. Mark August 3, 2013 at 8:37 pm #

    How long after I become a Certified Massage Therapist do I need to carry insurance? Where do I go or who do I call to get insurance to practice massage therapy?

  104. Teofila August 4, 2013 at 1:02 am #

    Insurance company information, or referrals, or testimonials of people who have had this done and how they did it.

  105. Porfirio August 16, 2013 at 5:54 pm #

    Of all the insurance organizations in the country.

    Source: thom hartmann

  106. Harley September 18, 2013 at 1:44 pm #

    I’d like to know the major hospitals and health insurance companies in the United Kingdom that are private and who exactly owns them. Could you please post a link to them too.

Leave a Reply