Anyone get car insurance refund?
orchidrain
3 years ago
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Comments (56)
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Extend new car, rust proofing and car loan insurance ...
Comments (6)These are not "shady" deals, but I think that all 3 favor the dealership, and not the auto owner. 1. Extend the warranty from 5 to 7 years for $1480 and get the money back if no claims. This is a free loan of $1480 to the dealer for 7 years and it probably does not cover much, maybe just the drive train. These parts are already warranteed for 5 years. What happens if the dealership changes hand, goes out of business, or re-incorporates before the 7 years is up? These days, auto dealerships are very fluid and a long term, fixed business arrangement for 7 years is more rare than new dealerships. Do you thnik you will own this vehicle for 7 years? What happens to your money if you replace this vehicle within 5 years? 2. Rust proofig for $848 or more option at $1248. The time to add rust proofing to a vehicle is when it is new and the surfaces are clean. This one is a maybe. Some sources say it is wasted money. It all depends on what is done. If it merely duplicates the coatings already placed by the manufacturer, it is not very helpful. It may offer some protection if you live on a gravel road where the undercarraige gets pelted with stones on a regular basis. If they add coatings to the interior of the doors, be careful here. Too much in the wrong place can gum up the workings of electric door locks; It can plug door drains. If you live in the "rust belt" where road salts are used extensively, it may some added value. This one is a judgement call. 3. Accident and health insurance. This is assurance (to the dealer) that you'll have cash to pay off the loan in case of debilitating accident or sickness to you. Very likely, it will be written to the effect that in case of accident or illiness, the car loan is the first item to be satisfied. If you are employed, have adequate health and life insurance, this is not needed. For a long trerm loan, say 5 years, the dealer (and loan agency) is very anxious to make sure that the loan covered....See MoreIs this a good idea? (Cancer Insurance with Refund)
Comments (57)I would have to disagree with the post that included "Scam beware Cancer Insurance Family Heritage"... "This cancer insurance is a scam."..."...You are much better off not buying this insurance. Put this money in a bank or invest it. You get the interest and get all the money if you can't fund your bank account after 7 years or whenever. Change your diet, exercise and minimize your risk to cancer. Even if your a compulsive smoker. work in an asbestos factory and drink out of styrofoam cups... Don't get this policy, they payout is not worth the premiums. This insurance company is all about screwing you out of your money." My mother in law who has always been pretty healthy (or so we thought), began her policy with Family Heritage in Oct 2010. She was over age 55 so her premiums were kind of high (I thought). With the highest paying cancer coverage, her monthly premium was $108/month. On Dec 17, 2010, she was diagnosed with small cell lung cancer (stage IV) with metastisis. She passed away Oct 27, 2011. From December 2010 to May 2011, she had already received over $30,000 in payments from Family Heritage, and we are awaiting the final payment for the May through Oct (expecting atleast another $17,000). If you are at risk for cancer, it is a good idea! And I know that $47,000 is not much considering the bills for chemo, hospital stays, icu, doctors, etc; but, if you are lucky -as my mother in law was- you will have very good health insurance that covers all of those bills except for office co-pays after your deductible has been met each year. So all of that was hers. Also, if a person dies within the 25 years, the beneficiary receives the life insurance that goes with the policy. So if you pay on it 5 years, don't use it, then pass away, the beneficiary gets the life insurance. However, as in the case of my mother in law, since they paid her well more than the life insurance, her beneficiary did not receive the life insurance. Also, if she had been paid $3,000 from the company, the life insurance amount would have been reduced by the amount paid out. For example: 15,000 life ins -3,000 cancer ins paid to insured= 12,000 life ins payout to beneficiary. Not everyones going to have the same situation (otherwise they would go bankrupt), but I do know that this is what she benefited from her policy and her kids did as well. We got a policy for ourselves as well!...See Moreon car insurance thread........
Comments (10)It's not something that Firefox and Adblock can deal with. It's a redirect of the web pages. iVillage's software is very dated, and it's no wonder that this sort of thing happens too often....See MoreDo you purchase car rental insurance?
Comments (9)When I rent a car I always charge it to my credit card which automatically includes coverage for the first $500.00. There's no extra fee. My personal insurance will kick in after that. DH had a rental and didn't realize that someone had banged into the passenger side of the car while he was in the hospital visiting his mother. When he returned it they said he'd be responsible - our credit card the $500 deductible and our insurance paid the rest. It was very easy to do. But I agree that the rental agents try to scare you into purchasing insurance. I think in most cases it's just a rip-off. Many rental companies insist that you return the car with the same amount of gas that was in it when your picked it up. If they have to add gas they usually charge a significantly higher price per gallon so I always try to give them the same amount....See Moreorchidrain
3 years agowildchild2x2
3 years agolast modified: 3 years agoAnglophilia
3 years agoLucyStar1
3 years agosealavender
3 years agoMoxie
3 years agosephia_wa
3 years agolast modified: 3 years agomaire_cate
3 years agotami_ohio
3 years ago
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