Archive for June, 2008

Voting Question: Are licensed independent insurance agent required to have an physical agency location to sell for ins carriers

Tuesday, June 24th, 2008

I’m a Florida 220 General Lines Licensed Agent.

I’m seeking to offer a simpler way of shopping for auto insurance by providing the cheapest auto insurance quotes from top 15 insurance companies to consumers via my website.

The completion of the application will take less than five minutes. We will match the consumers application to all affiliated insurance companies. Then our system will show the lowest rates out of those fifteen for you. After you compare car insurance rates you will be given the option to purchase a low cost policy online.

I would like to get set up with the following insurance companies: Progressive, GEICO, AIG, Arrowhead, Electric, Encompass, Esurance, The Hartford, Liberty Mutual, MetLife, Permanent General, Safeco, Travelers, and Unitrin.

By comparing rates from a broad list of companies we’ll improve the consumers chances of purchasing the cheapest insurance.

Resolved Question: Independent insurance agent want to grow need super ideas for advertising i want to grow big?

Tuesday, June 24th, 2008

Hello i live in a small town in oklahoma i want to grow my independent agency i need ideas i have proggresive ,aig ,graham rodgers, incompass and foremost i need advertising ideas and eneything that could help i am very motivated and a great listener Thanks a lot

Resolved Question: Having a baby with no medical insurance?

Tuesday, June 24th, 2008

About a month and a half ago I got a new job as a temp-hire. It can take 3 months to 2 years to get hired on. Last week I found out that I’m pregnant; I have no medical benefits at all.
I really want to go to the doctor and get a check up just to make sure everything is all right, but I am afraid of the cost. I know if I go for an independent plan, I am uninsurable because of the pregnancy, so there is no chance of getting coverage.
Even though I am a licensed life and health insurance agent, I have no idea what to do. Where can I go get prenatal care without spending everything I have? Please help! :(

Open Question: Auto Accident Statement of claim?

Tuesday, June 24th, 2008

I was involved in an at fault auto accident. I admitted fault at scene. The injured party has submitted a statement of claim for personal injury. I forwarded it to my insurance co. The ins. co. sent a letter saying that the claim was above my coverage and I should contact a lawyer.On talking with them they said that these letters were standard and I should not contact a lawyer right away Their lawyers deal with it.The lawyers of my insurance company sent me a letter and said that it was my decision if I wanted to get a lawyer to safeguard me against claim in excess of the policy limits. I have now been sent a letter from the lawyer that there will be an examination of discovery where I will be examined by the injured party’s lawyer. They have listed several points that I should be careful of while answering the questions. They also said that they will prep me up for the examination. I am worried now for the following:
1. Should I contact a lawyer
2. Where is this leading to.
Pl. adv

Open Question: Medical Insurance Not Paying My Medical Bills?

Tuesday, June 24th, 2008

So last summer, I broke my ankle pretty bad, displaced fracture and at the time I had limited insurance. They claimed to pay up to 1k in ER visit, 250 for anaestesia, 2k in doctor visits, and up to 20,000 for secondary care. This happened last august and they JUST paid the ER 1000 dollars after I had to file some paperwork. This company is a subsidiary of Aetna, and instead of denying claims they just ignore them. At the time I was out of work for 4 and a half months because my job involved me walking and my car was a manual transmission. Usually they auto deducted my payments out of my paycheck every week but I had to pay them by credit card while I was not working. I have a receipt for my payments all the way to 11/9. They sent me a partial denial of my doctors bill on 11/16/07 because I was not up to date with my insurance and could no longer afford insurance as I just got a job back. My questions are how do I get them to pay and is physical therapy considered secondary care?
The company is SRC, its quoted on the back of the card “SRC, an Aetna Company”, I did everything the policy told me to do, I went to their website and used the approved doctors on their website, Your right on the ‘limit’ed part but still they have to pay for what I bought into, I went to the physicans that were on their webpage, I went to the Physical Therapist on their web page, The only thing that wasnt there was the aneasthsia but its in the policy that I purchased for 250 dollars they cover. (which is definitely limited.) The thing is they havent denied the claims, they are just ignoring them. I have denied claim letters from after my insurance ran out for treatment after 11/9 but nothing before that. It took the hospital ER calling me and me calling them 10xs in 7 months for them to even get that payment out
And its not workmans comp, god i wish it happened at work.
and it wasnt sold to me as an individual its from my previous job that i had before i broke my ankle. its one of those pay us 80 dollars a month and we will insure you, (After all this I did my research and found out that you can get really decent insurance for this cost)