Open Discussion Blog

Question by rayna amin: What is a good auto insurance company in florida for dui drivers?
Am trying to find a auto insurance company that covers first offense dui drivers. With low cost auto insurance. Does anyone know of any?

Best answer:

Answer by PamelaS
Okay, short list of companies I am familiar with that in many states cater to or are affordable for “high-risk” drivers. I am not in FL, but these are fairly nationwide, there may be others who are less expensive, and there are certainly lots out there besides these few: Dairyland, Viking, Progressive, Geico.

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Question by Lorraine: Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor?
I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.

Best answer:

Answer by Diane A
Yes and no. The medical bills should be refunded to you by the other person’s medical insurance if they were found at fault. Have your lawyer (or you) send a demand letter w/ a copy of the medical bills (before insurance took care of the cost). Then you will receive a ck from the auto insurance company to you for your bills.

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Question by Sean P: Is the auto-insurance claim information shared if I switch the insurance company?
Hi!

I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y?

Thanks!

Best answer:

Answer by Stupid Flanders
Your driving record (including accidents, tickets and filed claims) is public knowledge and is kept on a database through your state. Most states use the same database so that your driving record is basically public knowledge.

While Insurance company Y doesn’t get information directly from Insurance company X, all they have to do is look up on the database to find all of your tickets, claims and accidents.

Basically, you shouldn’t lie on your application because you won’t get away with it.

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Question by zarra: Can you provide me Business Plan or business plans tips of the company in Jewellery trade?
I need business plan tips. Outline or details of business plans for the company trading in all kinds of jewellery ( gold jewellery, silver jewellery and diamond jewellery).

Best answer:

Answer by imisidro
Palo Alto has a sample business plan for costume jewelry business that you can use and look into — but it is not free ()

http://www.paloalto.com/ps/bp/samplebusinessplans/customjewelrybusinessplan.cfm

But here are some resources you can use to create your business plan

- SBA Business Plan Basics http://www.sba.gov/starting_business/planning/basic.html
- PowerHomeBiz.com Creating a Business Plan section http://www.powerhomebiz.com/startup/businessplan.htm
- Entrepreneur.com Writing a Business Plan section http://www.entrepreneur.com/bizplan/0,7253,,00.html

You may also want to review some sample business plans to see how it actually looks like:

- Bplans.com http://www.bplans.com/sp/businessplans.cfm
- MOOT Corp Business Plan competition winners

http://www.businessplans.org/businessplans.html

- VFinance – View hundreds of real business plans in pdf format. http://www.vfinance.com/home.asp?bps=1&ToolPage=bps_main.asp
- Business Owners Toolkit Sample business plans and information on how to create a plan. http://www.toolkit.cch.com/tools/buspln_m.asp
- PlanWare Planning software and information. http://www.planware.org/
- Virtual Business Plan Walk through the design of a business plan. http://www.bizplanit.com/vplan.html
-SBA Business Planning Guide http://www.sba.gov/starting_business/planning/basic.html
- Small Business Advancement Center http://www.sbaer.uca.edu/business_plan/businessPlan.pdf
- Sample Business Plan General planning guide created by the Canadian Business Service Center. http://www.cbsc.org/servlet/ContentServer?pagename=CBSC_FE/display&c=GuideFactSheet&cid
- Business Plans Index – A subject guide to sample business plans and profiles for specific business types from Carnegie Library of Pittsburgh. http://216.183.184.20/subject/business/bplansindex.html

Some recommended books are :

- Business Plans Kit for Dummies
- The Complete Book of Business Plans : Simple Steps to Writing a Powerful Business Plan
- Writing Business Plans That Get Results : A Step-By-Step Guide
- Business Plans For Dummies®
- Your First Business Plan : A Simple Question and Answer Format Designed to Help You Write Your Own Plan

Hope that the above resources help

What do you think? Answer below!

Make Sure that Your Car Insurance Company Gets Honored

However, since car insurance policies can be very complicated, you may not even be covered by your policy if something happens to your car. If your car’s wheels get destroyed and the wheels are not covered by your cheap auto insurance policy, then the car insurance company will have nothing to do with your repair or replacement expenses. This can be a waste, especially since you pay a hefty monthly fee to the insurance company to keep your insurance policy going.

To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best automobile insurance company and quote that your own money can buy and pay for every month.

More than getting the most affordable deal, you should also sign up with an auto insurance company or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.

When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.

Video from It Pays To Watch: Video guide to be watched alongside full article including all the latest car insurance deals: www.moneysavingexpert.com