excerpt…
"When I was young, just got out of college, I had to buy auto insurance. I had a beat-up old car. And I won’t name the name of the insurance company, but there was a company — let’s call it Acme Insurance in Illinois. And I was paying my premiums every month. After about six months I got rear-ended and I called up Acme and said, I’d like to see if I can get my car repaired, and they laughed at me over the phone because really this was set up not to actually provide insurance; what it was set up was to meet the legal requirements. But it really wasn’t serious insurance.
Now, it’s one thing if you’ve got an old beat-up car that you can’t get fixed. It’s another thing if your kid is sick, or you’ve got breast cancer."

That’s because he didn’t buy collision insurance! Of course they aren’t going to pay a claim for an accident if your insurance is liability only.

To explain for all the liberals/progressives who read this: He says he called the ins. co. to get his car repaired when – being the smartest man EVER – he would have known all he had was liability. Liability is not designed to cover you, only the damage you do to the other guy. So the anecdote was totally irrelevant and added nothing to the health discussion. It was a textbook case of a stupid thing to say.
spot: can you see, or hear? he said it himself.
Also, how does this compare to health care? The analogy doesn’t even make sense!
Like comparing apples to space shuttles…
And why would HIS insurance have to pay if he was REAR-ENDED?

I just renewed my insurance this month. I had a collision on November 19 2008. I am just wondering how much longer my insurance company will hold this against me and how much longer do you think it will be until my premiums go down

Should insurance companies be forced to let me buy health insurance AFTER I become sick? If they should, should I expect to pay more than a healthy person or should my premiums be the same? Wouldn’t the health care reform bill allow me to wait until I get sick to purchase a policy, and prevent insurance companies from charging me any more than they charge a healthy person? Isn’t this just wrong?

I am trying to understand what factors affect the rates that a surgeon will pay for malpractice insurance. Do new surgeons start at the same rate? What effect does a lawsuit have on a doctors rates? If a surgeon is sued, and the case is tossed out, does this affect their rates? What if they lose the case? Or if they settle out of court?

I am trying to find out what effects the rates a doctor is charged and how if there premiums will go down for good behaviour over time.

Doctors premiums rates are going sky-high for malpractice insurance. Some say it is due to the increase in frivilous lawsuits and others that the insurers invested poorly. Some doctors are working without insuracne and other are longer performing the high-risk surguries that may save your life. Think of youself as the patient – what should be done?

I was in an auto accident, the police came but didn’t make a report because we both said we weren’t hurt and all she had was a small crack in the bumper. we are both insured but she didn’t want to go through insurance. I tapped her bumper from behind because she made a right turn and once I saw it was clear I made my right turn on a green light. As soon as I turned the corner she was stopped there and I couldn’t stop my car in time so I hit her bumper. The police said it was minor under 0 in damages on her 2000 mitsubishi gallant, her estiamte came to 8 plus rental car total of 6. My dad won’t let me claim with insurance he thinks we will lose our discounts. Should I have a lawyer review my claim relase form I’m sending to her to sign before I pay her? I got a claim release from off a legal form website…I’m worried this lady is shady, but we can’t afford increased premiums. I have Geico in CA, does anyone know there claim threshold for surcharges?
I was not driving fast for road conditions…Se slammed on her brakes and stopped for no apparent reason, I never drive fast and I don’t tailgate this was just an unfortunate accident

or the insurance company that assumes the liability? and doesn’t this drive up the premiums. This along with government regulation restricts activity and progress in all fields and hurts doctors the most. They add to the nanny state of sheepish wimps. So rather than planning and doing, we just sit and watch and grow fat dumb and not really happy.
Yes it is wise to have coverage, all I’m trying to say is that there are too many ambulance chasing lawyers. We knew this back when they were not allowed to advertise on tv.