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Don't automatically refuse extra rental car insurance coverage - CreditCards.com

... car rental companies to prop up their profits by preying on our fears. But these days, you better do your homework before you give car rental insurance the brush-off ... Texas, found that out the hard way when ...

5 things to know about homeowners insurance - Yahoo Finance

... the Office of Public Insurance ... in Texas. When your annual renewal statement lands in your mailbox, check InsWeb.com and NetQuote.com to see if you can snag a better deal elsewhere. Consider moving your auto

Texas now a large reverse-mortgage market - MySanAntonio

... Texas Legislature and a statewide voter referendum to make reverse mortgages legal in Texas and compatible with federal insurance for lenders. Despite ... usually for medical or auto expenses. Again,

Reverse mortgageloans big in Texas - MySanAntonio

White to seek bill to regulate insurance hikes - Houston Chronicle

... insurance rates have gone up almost 50 percent in Texas," White said. State law requires insurance companies to submit ... or buy our car insurance with them," she said. White met with Davis and other homeowners ...

Auto Theft, Fraud Cost Hawaii Drivers Hundreds A Year - msnbc.com

... insurance company says auto theft and fraud cost Hawaii drivers hundreds of dollars ... Most Popular Stories at KITV Hawaii Leads 7-0 Over Texas For U.S. Championship AS SEEN ON KITV4 New Tsunami Evacuation Maps ...

White urges state approval of insurance rates - Dallas Morning News

... requirement for auto or homeowners rate increases. Under current law, approved by the Legislature in 2003, companies can immediately increase rates once they have notified the Texas Department of Insurance.

Video: Man sells lottery ticket GT500, watches, car buyers win moments later - PRLog (free press release)

Insurance Internet Jewelry Legal Lifestyle Literature Loans Manufacturing Marketing ... is an annual pilgrimage for the players was held near Dallas, Texas ... another participant in several minutes before the drawing of the car ...

5 years after Katrina, homeowners insurance costs more - USA Today

... insurance to homeowners with high-end coastal properties. After coming ashore in Texas in September 2008 ... auto insurance is a lot more profitable than homeowners" insurance, says Amy Bach, executive director ...

Facebook’s ‘Car Town’ Reaps Honda Ad Spending in Shift to Games - BusinessWeek

s campaign for its new CR-Z car features the hybrid vehicle in some colorful roadside ... the top maker of Facebook games whose titles include “Farmville,” “Texas HoldEm Poker” and “Mafia Wars Game,” said ...

Resolved Question: Auto Insurance for Teen Boys. (16) Who has the lowest prices in Texas?

I have a son who is turning 16. Does any one have experience with auto insurance for teens. more

Resolved Question: Personal loan for a car?

ok so im 21, i have good credit, its at like 675. ive taken out an auto loan a few years back with a cosigner, paid the car off, then sold it. now i have a car that i got a loan for(no cosigner) a few months ago while i was lifeguarding. my manager and i butted heads(we had been friends since we were 3 and he went on a power trip. it really wasnt a big deal) so he took me off the schedule about a month ago. i finally got a job TODAY at texas land and cattle and have been getting help from family to make my payments thus far. so now that i realize that i dont need to be making these high car/insurance payments, and want a cheaper car around like 4 or 5k which i would need a new loan for. so basically i need to sell the car i have now, but if i do that, i wont have transportation and idk if i will be able to get this loan right off the bat since i just started this job. to sum it up, can i get a personal loan for like 5k since i have good credit, had a job a month ago and am just starting a new one....i dont owe more than its worth. i owe about 11500. the car is worth around 13. i had it up for sale a few days ago and had plenty of inquires even though i specifically stated that i could not go lower than 12k as the asking price. i actually got that loan wen i had only worked for a week at that lifeguard job... more

Voting Question: Credit Union, auto loan approved or no?

I found a car i want to buy for 13k (private seller), but I have no credit history and my co-signers have bad credit. Is their any credit union (I live in Texas) out there that will approve my auto loan? I make about 1,350 a month. I want an answer that tells me how and where to get a loan, not get a cheaper car or buy here pay here lot. I will report and thumb down spammers with car insurance bull crap.also, I'm 21 and live with my parents. more

Resolved Question: In California, is "double dipping" legal for auto accident related injuries?

Several weeks ago, I got into a car accident that was 100% the other party's fault. I went to see my doctor and my personal health insurance company (Blue Cross, provided by my employer) eventually paid for the doctor's bill. Subsequently, I reached a settlement with the other party who paid me personally through the the auto insurance companies. In my situation, I was (technically) compensated twice (money to my doctor and money to myself) for the same injury. I was told that in some states, such as Texas, it is not only legal, but specifically allowed to "double-dip" on personal injury protection if the other driver is at fault. Is this "double-dip" situation legal in California? Thank you very much for your thoughts and sharing your experience with me. more

Voting Question: How can I get a deadbeat dad that is in another state served child support papers?

I am trying to get papers served to my ex-husband in Texas. He currently pays but I never know when, and is 8 years in arrears. We have 2 children, 14 and 17. The State of Louisiana Office of Family Support just seems to be dragging their heals and has not set a court date since June 2008. He was a no show of course. My daughter will be 18 in September and I fear that her Dad will stop paying her part. I'm almost positive he will. This support payment was set 15 years ago when he was making $7 an hour. He is making MUCH more now and has a new family. He has not seen our 2 children in 3 1/2 years. I cant even allow my daughter to get a drivers license because my auto insurance will go up. She is willing to work but needs a way to and from. My son needs surgery on his mouth and we don't have health insurance. I am running out of time and will be in serious trouble financially in September if I don't get these papers served. Any advice will be helpful!!! Thank you. more

Resolved Question: Auto loan of $5700 on a 2004 vehicle, with bad credit?

Ok, I have this car. Mind you I already have the car. I paid $1000 down (including TTL) at a dealer that is "buy here pay here" here in Texas. My wife and I are looking into moving to Oklahoma to be closer to her mother and her family. However, in our contract it states that we cannot take the vehicle out of the state of Texas for more than 30 days without the permission of the lien holder. I am not certain if the car lot will give me permission to take the car out of state. So I am looking into trying to get a loan for the amount I owe on the car which is currently just under $5700.00. I do have bad credit, and so does my wife. But it wouldn't be difficult to pay $1,000 down again to have it financed through a bank. The problem I have had so far is finding a bank that will loan just $5700 on a car. I was going to try applying through my bank, but the minimum amount for financing from them is $7500 and the minimum age on a used car to be financed is 2005 year model. The car I have is a 2004. Its a 2004 Crown Victoria Police Interceptor. In very good shape. Only has 81,000 miles on it and runs and drives great, no mechanical problems or anything like that. Anybody know where I could apply for financing to get a $5700 loan to pay the car off so I am not tied to living in Texas until it is paid off? I am currently paying $360 a month on the car. Already have full coverage insurance as well with the mandatory $500 deductibles. Just basically want the loan to pay the dealer off so I am not stuck living in Texas until the car is paid for. Currently as it is the car will be paid off by October of next year. Anybody who can help I would greatly appreciate it. Thanks. more

Resolved Question: Auto accident question from texas.?

I got in an auto accident a couple weeks ago. I never got a police report in the mail. We exchanged insurance and that was it. Nows he's suing me for 20 grand. It's been two weeks and no immidiet report. Can he win? Oh and I don't have a license and the insurance isnt in my name. I called the law firm and they asked me if I hit him and I said yes. Do you think they recorded me?The fag who is sueing me says it was a hit and run but I have proof we exchanged information when we exchanged numbers and I have his signerature with his number. Can he be held liable for saying that when theres proof we exchanged text messages since the day after the fender bender? more

Resolved Question: How does auto insurance premiums in texas compare to other states?

I'm moving from Michigan to South Texas (College Station) and would like to know how my insurance rates will be impacted. more

Voting Question: Traffic Ticket Violations for a Minor?

So me being the nice/stupid person I am, I helped my friend out by driving her car to the auto-shop that didn't have inspection or an insurance card. I am only 16 and I got a no insurance ticket and a no inspection ticket. They said besides the insurance paper I need a letter written from my friends mom that I can drive the car, well she said her mom sent it 2 weeks ago yet it still hasn't come in. I don't believe she sent it at all. Could my Mom take care of the ticket for me or do I have to be there? Im leaving out of town tomorrow and will these tickets affect my insurance on my car. My Dad just bought me a car I cant drive without insurance.I live in Texas. more

Resolved Question: illegals cause Oklahoma auto insurance to be 3rd highest in nation how does this make you feel???

Because of illegals driving autos that are not insured and or not registered...stolen, loaned by the legit owner... YOUR OKLAHOMA AUTO INSURANCE IS TWO TO THREE TIMES HIGHER than it should be... In Arizona Americans are loosing their lives and Obama wants to sue Arizona over their attempting to inforce the federal law... OBAMA is causing the death rate of Americans to increase and the insurance rates to be unnecessarily high too.TEXAS IS BEING EFFECTED BY ILLEGAL... GUNFIRE... SOMEONE IN LEGISLATURE MUST DO SOMETHING LEGAL IMMEDIATELY... This is absolutely wrong... Americans everywhere stand up against this non-action on the part of the federal government...call AAA and let them tell you why oklahoma insurance is so high... much higher than NY!!!!!!!!!!!!! 1 out of 3 to 4 drivers in oklahoma are illegal... more

Resolved Question: Best, cheapest auto insurance for a 17 year old?

So i just turned 17, I live in Austin, Texas i have my hardship license and ive been driving you know. I have this truck, its my life, and I need to insure it of course so i can get it on the road [legally]. I really dont like the idea of getting just liability cause if some as$wipe with no insurance hits me, my life will be destroyed and all my hard work on restoring it will be a tragedy to me. more

Resolved Question: Are we common law married? (Texas)?

I have lived with my fiance for 9 months. We got together after his divorce was filed and it has since been final. During that time, I added him to my checking account and he added me as an authorized user of his credit cards. We have listed each other as beneficiaries on insurance and he added me to his auto insurance along with getting added to my lease so he could also include the Renters policy to our insurance. We joined a church where the ceremony will be held and we are listed as Mr. and Mrs. in the registry and have been wearing wedding rings the entire time. He wants a ceremony to make us "legal", but I believe we are already common law married. Am I right? more

Resolved Question: how long to you have to pay texas auto insurance?

my car insurance payment was due june 3 2010.my car isnt working at the moment but soon as i get the money to fix it i will.i dont want the ins to laspe because of none payment.do anyone know the amount of time an individual had before the insurance is lapse for none payment?thanx more

Resolved Question: My Wife Was Involved In An Auto Accident With A Policeman...Any Recourse?

This one happened in Texas. It was in a school zone, before school and the crosswalk empty, but there were kids waiting to cross with the crossing guard. The officer was called to an accident...he only buzzed 2 times and had his small lights on before zooming through the intersection. My wife had a green light and since no siren was sounding, didn't hear the officer...she could not avoid the accident. She had no time to react as the officer's car raced thru the intersection. She hit the right rear panel of the police car causing only a little damage. Our car suffered a completely damaged front end, however our airbags were not deployed. The city's insurance adjuster says the policeman is immune due to some sort of law that grants him the immunity. I believe the officer was negligent due to the fact that he failed to proceed thru the intersection safely. What kind of recourse do I have? Any help/guidance is appreciated. more

Resolved Question: Is that Legal according to Texas Law ?

Me listed as driver on my roomate insurance policy (My Own) car also listed as full coverage on my roommate policy, I made accident in (My Own) car and its my fault , Do my car will be covered through my roommate policy ?? (`NOTE) the insurance Agent process and sell Auto insurances for all people resided in Texas as driver listed on friend policy holder and with coverage for the Vehicle even the new added person 100% owner the vehicle ???( we even called the agent and confirmed with him/her and said the samething :((even the driver listed on friend policy with full coverage for the friend's car ,that would be full covered !!! is that Legal ?or its fraud Insurance ?? more

Resolved Question: What do you think about this Insurance Company ?

Resolved Question: auto insurance and car question?

i am 15 years old i just got my hardship license. my mom doesn't have a license can she buy a car and put under her name even though she doesn't have license? and can a 15 year old get car insurance? we live in the state of texas more

Resolved Question: what section of the texas law says that you have to have auto insurance?

Please show website you got information or, or explain whyI know that you're supposed to have it i just want to know what section it is more

Voting Question: What is my charge and I hire a lawyers?

On March 2, 2010 I was involved in auto accident, it is not my fault. When the police checking for insurance and I didn;'t have insurance at the moment, he gave me a ticket. Right after I got home, I purchase the insurance online and pay for premium by EBT check withdraw. After purchase the insurance send me an email with my proof of coverage and my temporary insurance ID card. Couple day later they send me the original ID card. I have to go out of country for 1 months, when I came back check my mail and notice that the insurance company couldn't withdraw the money so I call them back and gave them credit card. SO today when I went to pay for my fine, gave them the copy of my insurance ID, and the clerk check and came back told me that my affect date is on April 6 not the date on the paper. I told her I didn;t know anything about it, and ask her how much I would have to pay for fine. She told me $320 but it will go on my permanent record, then advise me to talk to the DA . I agree and she gave me the number and told me to wait in line for next DA . I told my mom to wait inline while I was running to the car really quick and be right back. When I was outside, 4 police came and handcuff me took me to the back without telling me what I was charge for?? As one officer took me to the room, I ask him what I was charge for?? He didn't tell me except gave me the insurance card I gave to the clerk and told me to be quite. Next they search me and lock me in a room, and then 2 hours later release me because I told them I have a little baby at home . Gave me the case number tell me to call couple days to see when the warrent will be effected . And then turn my self in so and call bail bond to bond me out ??? What my question was it was honest mistake I didn't do it on purpose, I didn't know it . Should I hire a lawyer to represent me and how much would the lawyer would charge med for this?? I live in houston TExas. It in Harris . more

Resolved Question: Can your Dad add you to his Auto Insurance without you having a driver license?

I have a Texas state ID, and I will be getting a driver license in the next week, but can my father put me on his insurance without the drive license (Geico)? I am not on his auto insurance yeat. Thanks more

Resolved Question: Can you Dad add you to his Auto Insurance without you having a driver license?

I have a Texas state ID, but not a driver license, I will be getting one in the next week, but was wondering if you could put me on without the drive license, thanks. more

Voting Question: In Texas, does the responsible insurance company have to pay for the storage fees for our totaled car?

I was just recently involved in an accident and the insurance company that is responsible to pay for the damages is saying that I need to move my car from storage, because they do not have to pay for the car to remain in storage. Since I live in an apartment complex the car would have to be moved twenty minutes away, which is going to cost quite a bit and then we would have to move it again to an auto body shop back to the area I live in. So I called the place where it was stored to get a quote on how much it would cost to move it and the guy said that our car looks to be totaled and that for them to tow it I would have to pay out of pocket and I will never see that money again. Also, he said, in Texas, it is state law for the insurance company to pay storage and towing fees, he said the insurance is just saying that to get us to move it so they don't have to pay those extra fees. I don't know who to believe and I couldn't find anything online about it.I was just recently involved in an accident and the insurance company that is responsible to pay for the damages is saying that I need to move my car from storage, because they do not have to pay for the car to remain in storage. Since I live in an apartment complex the car would have to be moved twenty minutes away, which is going to cost quite a bit and then we would have to move it again to an auto body shop back to the area I live in. So I called the place where it was stored to get a quote on how much it would cost to move it and the guy said that our car looks to be totaled and that for them to tow it I would have to pay out of pocket and I will never see that money again. Also, he said, in Texas, it is state law for the insurance company to pay storage and towing fees. I don't know who to believe and I couldn't find anything online about it. **The at fault insurance says they will not take any action until they speak with their client** more

Resolved Question: Can anyone give details about auto insurance online?

I need a better auto insurance company in Texas.Give details to me.... Thanks more

Resolved Question: Do driving records transfer from state to state?

I've had a Texas driver's license for the past six years. I got my first violation two years ago - a speeding ticket in Texas, but I did defensive driving. I got another speeding ticket last October in Louisiana (while still licensed in Texas) and I paid it. NOW, I live in Oregon, have an Oregon drivers license and am trying to get insurance on my car. Are both of those even on my record?? Do I need to report both of those violations for an auto insurance quote?? more

Resolved Question: Does Texas traffic ticket dismissal course offers auto insurance discount or not?

If I take Texas traffic ticket dismissal course will I get auto insurance discount or not.If there,how much it gives Discount I need complete Information about this. more

Resolved Question: Mandating insurance for citizens?

Why is it that so many are up in arms about the fact that it will be mandated that people carry health insurance when 48 of the 50 states require drivers to buy liability insurance to show financial responsibility? The two states that don't are New Hampshire and Wisconsin. Neither of those 2 states are suing the US Government over the mandate of health care coverage. But the states thus far that are - Virginia Florida Alabama Colorado Idaho Louisiana Michigan Nebraska Pennsylvania South Carolina South Dakota Texas Utah Washington Georgia all require the people driving in their state to carry auto insurance! What is the difference?? Isn't this also forcing people to buy what they don't want? Isn't this socialism as well? Why is this okay, but when the federal government - who ends up covering medical bills when the people can't do so - demands people take "financial responsibility" and purchase health insurance so that they don't have to spend so much covering people when the medical costs go up because of lack of payment, suddenly people come out of the woodwork and start screaming "This is Unconstitutional!". Can someone explain this to me?? And to save many of you the trouble: I HAVE read the bill cover to cover, for I work in a field that is directly effected either way by the bill, and I am a small business owner. So save the rhetoric and just answer the question.@open4one: My husband is a history professor. There is a print of it hanging in his office at our house. I MIGHT have seen it a time or two. . . I can't recall. more

Resolved Question: Is it illegal to have auto insurance in a different state than the one you live in?

I live in the state of texas close to the oklahoma border. But my insurance is in the state of oklahoma in my grandfather's name(And address) Is this illegal?I am listed as an insured driver under my grandfather's policy, But Still live in Texas,(Which is a different state than the insurance is in{Oklahoma}) I'm paying my own insurance, It comes in my name-To my grandfather's address. more

Resolved Question: How to become a Auto Insurance agent in Texas?

Can someone help me in providing necessary information on how I go about doing this? I know I need to get a license, but I can't find any info regarding auto insurance. Also, do we need a franchise or can I do without one? Please help and with links regarding info about auto insurance in Texas. Thanks! more

Resolved Question: What book do I study to take the exam to become an auto/home insurance agent in Texas?

Resolved Question: A few questions about antique auto insurance (Texas)?

1. Exactly how old does a car have to be? 2. Is it optional or can I just get regular insurance? 3. Does it cost more to insure an older car, even if it's a piece of crap, but still runs really great? Thanks! more

Resolved Question: How do I get an auto insurance company pay for damages?

I was hit by a semi on a highway, i called the police and they filled out a report with only my statement and the truck drivers. The police report did not put the blame on anybody. I have a $1000 deductable and the damages are at about $1100 dollars. How can I get their insurance to pay for the damages? they are giving me the run around. can i sue them in small claims court in Texas? more

Resolved Question: whats the cheapest auto insurance in texas?

i need to get a 1 month auto insurance for my 94 mustang whats the cheapest i can get it for and also about how much would i have to pay to put it under my name more

Resolved Question: Is there a time limit for an auto insurance to give you money for a claim in Texas?

Car fire three weeks ago. more

Resolved Question: If you got into an auto accident?

You got into an auto accident and no one got a ticket but, you used someones car, there was no insurance, and that person was legally disabled. The state sent them a letter saying they had to turn in their license and tags. The person filed an appeal and the state did not take the license or tags but, the person with the disability cannot renew their tags due to the accident that the other person had in her car. That person needs the vehicle for Doctor's appointments for her and her Mother who has MS. They live in a small town where there is no public transportation and no one to transport them. Is there any exemption for that person so she can get the tags for her vehicle? She is on SSi and cannot afford an attorney and legal aide said they do not handle cases like that. The insurance company totaled the other persons vehicle when it only had a dent in the rear passengers door for $10,000.00. I have searched the web all day and cannot find a thing. I live in Texas but, she lives in Iowa. Legal advice would sure be appreciated. I don't know how to help her. Thanks.She didn't have insurance becaue the car had a mechanical problem and she could not afford, at the time, to repair it. So, in order not to pay insurance for the car that didn't work and was sitting, she let it lapse. She has a van she can use. Now, she cannot get tags for either one of them. more

Voting Question: What should i do about a used car i just bought from a little car lot in texas?

So i just bought a used 87 cadillac from a small car lot in cleburne, tx. When i first went to the lot, the car was broke down with a bad transmission. We agreed that he would install a new rebuilt transmission, new ragtop, new paint, and add wire wheels. I gave him $2400 to get started and was given a receipt that just says "put toward 87 fleetwood will paint, new transmission, etc." i didnt sign anything then but he told me if i didnt like anything i would be given my money back. So i go almost a month later, (suppose to take 2 weeks) which is yesterday, to pick it up. it looks good, sounded good, drove it for a little (since i had to get car insured prior to getting it) and it seemed fine i guess, so i sign the paper work....okay now....so i drive it from cleburne to dallas, park it in a garage overnight. next morning, which is today, i pull it out to take it to the insurance agency so they can take pictures, and notice theres some oil drops on the floor..when i get to the insurance agency and park it starts leaking coolant. (which i didnt see when i was at the lot). so after i finish there i take the car to an auto shop and get a 30 point inspection. Turns out the cars intake manifold, radiator, oil pan and a couple other places all have leaks. a couple of other things were bad which were documented as well. The main concern is the intake which they say has been leaking for a while and is very costy. Now the salesman assured me many times that the car had no leaks what so ever and nothing needed to be done which is certainly not the case...so the problem is that when i went to get the car i had to sign the contract or whatever and it included that as-is condition paper and other stuff. And according to them, of the 2400 i gave, 550 goes to ttl and 1500 of that is the down payment which covers the interest and then the 350 thats left goes towards the cash price. Which was very confusing to me then and i am now starting to realize that it prob wasnt very smart for me to agree to that. now i try to contact them today but no answer so will be goin back to cleburne monday to see what happens. If they do not agree to fix the car, or work something out as far as getting my money back ( which i doubt right about now and is why i am asking here), what can i do or what should i do? or do they have to do one of the two? Any advice is appreciatedForgot to mention that im still financing the car through them for another couple months more

Voting Question: What should i do about a used car i just bought in texas?

Resolved Question: Is this guy crazy: Wisconsin dad drives all the way to Kansas each week to hang on to a job in tough times?

JANESVILLE, Wis. – In the early dawn, after another week building cars, Michael Hanley leaves his job in Kansas. He quickly zips into Missouri, then heads up a ribbon of highway past grain silos and grazing deer, across the frozen fields of Iowa, over the Mississippi River and into the rolling hills of Wisconsin. Finally, he pulls into his driveway — 530 miles later. It's one heck of a haul: more than 1,000 miles roundtrip, 16-plus hours of driving, every week. "I like to say I gave up an eight-minute commute for an eight-hour commute," he says wearily, running a hand though salt-and-pepper hair as he watches his two sons play basketball for the first time this season. After the aging General Motors plant where he worked for 23 years was idled about a year ago, Hanley faced a Hobson's choice: Stay with his family and search for an autoworker's salary ($28 an hour) in a county where more than 40 percent of its manufacturing jobs disappeared from 2006 to 2009. Or hang on to his GM paycheck and health insurance and follow the job, no matter where it leads. In his case, it led to Fairfax, Kan., the same place his brother and two brothers-in-law — also GM workers, and now his roommates — landed. For others, it has been Indiana or Texas. The long commute is not just a story of hard times, tough choices and a shrinking American auto industry. It's also a case study of what happens when an aging industrial town loses an anchor, when workers too old to start over and too young to retire are caught in a squeeze and when economic survival means one family, but two far-flung ZIP codes. ___ Hanley is not one to complain. "GM has been good for us," he says. "This whole town knows that." For 90 years, the sprawling plant — it started out building tractors — became a different kind of family business. Through the decades, sons followed fathers onto the line, sometimes rubbing shoulders as they built Chevy Cavaliers, Caprices, Tahoes, Suburbans and more. Hanley's father and brother worked there. So did his father-in-law, two brothers-in-law and an assortment of uncles, cousins, nieces and nephews. But as GM's financial troubles mounted, car and SUV sales fell and gas prices climbed, the automaker closed several plants, eliminating thousands of jobs. Janesville — then the oldest of GM assembly plants — ended production of SUVs in December 2008, months before the automaker received billions of dollars in government loans and filed for bankruptcy. (The factory is on standby status; some hold out hope it will reopen one day.) Some of about 1,200 remaining workers took buyouts or retired; some began new careers. Hundreds more stayed with GM, relocating, commuting or just waiting for an opening. The automaker has about 6,500 laid-off workers nationwide. Even before the doors closed, Hanley began preparing for life after GM. He returned to college to complete two credits he needed for an accounting degree, but an offer in Kansas came first. He didn't hesitate. Auto work these days is like playing musical chairs. You grab an opening where you can. Hanley didn't want to lose his health insurance while his wife, Laura, was receiving costly chemotherapy treatments for a blood disease that will likely lead to cancer. The medical bills last year, she says, were in the tens of thousands of dollars. "There's no way I could possibly go through one treatment without him having insurance," she says. Like many other divided GM families, the Hanleys decided even though the job was important, there were reasons not to uproot everyone: Laura works at their sons' Catholic school, the boys are immersed in band, Scouts, basketball and church, and the sale of a house was an iffy and perhaps money-losing proposition. Hanley knew it would be a trade-off — financial security for a lonely existence. His eyes mist as he talks about what he misses: dinner with his family, coaching basketball, going to the YMCA with his boys, wrestling with them at night, attending their concerts and games, watching them grow up. "It's an adjustment, not being home," he says. "I probably sounded cruel because I said I wouldn't miss my wife as much because she's going to be there when I come back, when I retire. But those years with the kids aren't going to be there. That's the hard part, not being able to be around them. ... I don't know if I really appreciated it before." Hanley plans to commute another 18 months, until he turns 50, hoping for a retirement package then — something, he says, he "prays about every night." Laura, meanwhile, does double duty as a single parent. It's all overwhelming — working, shuttling her sons around, keeping an eye on her elderly mother and worrying about her husband's long commutes. "The kids are tired of seeing mom cry because she's stressed and seeing dad cry when he needs to go back to work," she says. "We're really close — the four of us. You can't talk to more

Resolved Question: What insurance offers a cheap liability auto insurance?

Location: Texas Age: 23 Just purchsed a car, never been into a car accident before. more

Resolved Question: Can I sue a person for no auto insurance? In the state of Texas?

I have full coverage and is paying the bill. This lady son hit me and she is the owner of the car. She came to the seen and said she would pay with her insurance. The police was called and we said no police report because they knew he was at fault. She gave false insurance. It was no good for about a month. She gave me all her information, phone,address, and everything. I called her and she said she gave me the wrong policy number, so she gave me another policy number. The problem with this other policy was she got it after the wreck. When I say sue, I just want what it costed me and my insurance company. Its $2700.00 more

Resolved Question: How can I report a fraudulent auto insurance claim to USAA insurance company?

I know of a USAA insurance client who has filed a fraudulent claim on their insurance. In fact two of them in a two month time span, the first claim they lied about who was the driver of the vehicle at time of accident (real driver had a suspended license) The second one they lied to the adjuster by not revealing their license was suspended, they lied about the circumstances ( they didn't reveal they didn't call police because they were under the influence) they did admit to rear ending the other vehicle but also lied about the exact circumstances and parties involved. And they still haven't filed a police report or accident report to the DMV when required by Texas law when car is undrivable from scene and over $1,000. in damages, the damages to both vehicles exceeded $15,000.00. I can't figure out why USAA didn't investigate. The driver of the other vehicle had a complete different story than the client who was at fault, such as the at fault driver begged them not to call police or report it because they were high and holding illegal drugs,since the driver had baby with her she plead the other girls sympathy that she would go to jail and have her baby taken to CPS. The girl agreed out of sympathy .I am not looking for an insurance quote. I am asking how do I contact USAA and report this person for making fraudulent claims..... more

Resolved Question: Are parents liable for 18 yr. old son who refuses to get auto insurance and is in an accident?

Our 18 yr. old son who is still in high school and lives at home refuses to get his own auto insurance policy. The title of the truck is in his name and he owns the truck outright. We had him insured under our own policy when the truck was in our name and when he lived at home previously, but he moved out 8 months ago and we removed him from our auto insurance at that time. He has not had auto insurance since then and recently moved back home but now is refusing to get his own insurance for his truck. If he is ever in an accident, are the parents going to be held liable for damages, etc.? More details: 1) We live in Texas. 2) Our 18 yr. old refuses to work but gets $1200/month in social security checks (in his own name). 3) He does not give us any money to help with expenses. 4) He is on probation already for drug related charges. Thanks for your help...Thanks for your answers/comments. But I believe I am more interested in the civil law around this as it pertains to us as parents if he gets into an accident without insurance. I have not contacted an attorney yet, but I would really like some answers around the civil suit issues that are possible. Thanks. more

Resolved Question: Outstanding auto claim with citifinancial what should i do?

im not sure what to do, its been over a year and a half, i have my car threw citi financial and i have full coverage insurance. over the time that iv had the car in 99 its been tormented by the weather and kids in my nieghborhood. its been broken into twice and the most recent incident was when my window was broken and the raido was gone. I put in the claim with the citi and they had someone come out and look at the car, iv also tooken pictures and sent in many other documents, at first it seemed like they were a good company, now after a year and a half of the claim pending im not sure whats going on anymore. I recently got a message from them saying that i didnt submit a police report, so i went and filed a late one, but did remember the date as it was my date of graduation. its been a couple of months since iv put in the report, and citi says it is still pending. Im not sure if Texas Statutes of Limitation plays apart in this claim, or if i should make a new claim. please someone give me some advise of what i can do. thank you for any feedback. also i made this claim all at once, the overall total estimate of the damage to the car is around 6,000. theres dents and dings from bumper to bumper. more

Resolved Question: outstanding auto claim with citifinancial what should i do?

Resolved Question: Renewing Texas driver's license requirements?

In Texas, do you have to show proof of auto insurance before renewing your driver's license? more

Resolved Question: 601 and 212 Waivers in Ciudad Juarez - How to proceed?

There is a lady who will have her consular interview in CDJ in the next couple of months. Briefly, her story is as follows: She is a native of Nicaragua. Came to the US in the early 1990's in EWI status. She was arrested in February 1997 for possession of a false auto insurance card in Texas. She was granted Deferred Adjudication for the underlying crime but was picked up by immigration authorities. After an unsuccessful bid for political asylum, she was deported to Nicaragua in October 1997. President Clinton signed the NACARA law in December 1997 allowing nicaraguans to adjust status to lawful permanent resident status. After consulting two prominent immigration attorneys who provided assurances that she qualified under the provisions of NACARA she returned to the US, once again in EWI status. She applied for LPR status under NACARA and was granted an initial employment authorization, which she used to gain a social security number and driver license. She went before the court in Texas regarding the 1997 charge and the case was dismissed outright. She married a US citizen in April, 2000. That same year, her son was born in Houston. So she is now the wife of one citizen and the mother of another. When her appointment date for her adjustment interview came around, she was arrested and removed again from the US for unlawful reentry. She has been living outside the US now for about eight years. Her US Citizen husband petitioned for her and she now has an approved I-130 from USCIS. They are waiting for her appointment with the US Consulate in Ciudad Juarez. Her husband has lived all these years without the benefit of having his spouse in the US. Her son is now 9 and has had to either live outside the US or live in the US without his mother. She has a 21-year-old son who has gained LPR status and a 20-year-old daughter who has done the same. She has two sisters who gained LRP status through NACARA and one of them became a US Citizen last month. So....First question: Should she prepare and file the I-601 and I-212 and forward them to the Consulate now or does she have to bring them to the interview? Second Question: How does she best prepare the waivers for the best shot at being approved? Any other comments, clarifications, or personal experience stories -- any helpful insight you all can add here will be welcome. She made mistakes in her early 20's but just turned 40 and wants to return to the US CORRECTLY this time and 'do it all right.' Thanks in advance! more

Resolved Question: Does auto insurance cover a Texas driver with a suspended license if they are in an at fault accident?

My daughter was driving her vehicle while her license was suspended in Texas, she rear ended another vehicle at a stop light her fault. They didn't call the police there is app.$9,000 damage to her car & $5,000 to the other vehicle. Her license was suspended for drug charge 2 yr previous, she took the course, got the sr22 but never mailed the $100. reinstatement fee to Austin, since then she got a driving while license suspended, she pd her fine, already had the sr 22, the judge just lifted that suspension but she didn't pay her $100. reinstatement fee to Austin then either. Now she has had this accident. Will her insurance still cover her? more

Voting Question: Does anyone know where there is a site with free review questions for the Property and Casualty test in Texas?

has to do with homeowners insurance, auto insurance, commercial, farm, etc. Not life or health insurance. more

Resolved Question: Texas Attorney General child support review?

Here's a little background - My ex and I divorced in 2006. In the original divorce decree we have joint custody (1 week with him and 1 week with me) so there was no child support granted. He's a fireman so he's never been able to have them more than every 3rd day. Once I moved to another town, it was decided that he wouldn't get them during the school week because he didn't want to have to drive them to school the next morning (30 miles). So now he sees them 3 days a month. This also freed him to take a 2nd job as a paramedic in an ER. Now they are 15 and 13. My son is 5 months from getting his license and that's going to make my auto insurance go up a great deal. I finally started asking my ex 6 months ago to help me out financially. After much begging, he started giving me $200 a month. I'm sorry but I can't feed two teenagers and provide for them on that amount. He is making $54,000/yr at the fire dept (no idea what he makes at hospital). He and new wife live in very nice home, 2 new cars, etc. Let's just say that we DON'T...we struggle to the point that I have to buy some of their clothes at second hand stores. Anyway, I went through the Attorney General and requested a modification. The mediation is set for 2/10. What can I expect and can he fight this since the original papers say joint custody? more

Resolved Question: Hello little kid, I have candy. Step inside. Won't you answer one?

Why doesn't McDonald's sell hotdogs? At a movie theater which arm rest is yours? Why do doctors leave the room when you change? They're going to see you naked anyway. Where does the toetag go on a dead person if they don't have toes? If your driving a federal owned car, and you run a stop sign, is it considered a felony? Why is there a disclaimer on the Allstate Auto Insurance commericals that says "Not available in all states"? If you dug a hole through the center of the earth,and jumped in, would you stay at the center because of gravity? If a person dies and then springs back to life, do they get their money back for the coffin? If you are asked to tell the truth, the whole truth and nothing but the truth and your the main witness, what if you say "no"? Do they bury people with their braces on? How far east can you go before you're heading west? How does a Real Estate company sell its office without causing confusion? Do dentists go to other dentists or do they just do it themselves? If, in a baseball game, the batter hits a ball splitting it right down the center with half the ball flying out of the park and the other half being caught, what is the final ruling? If you were to get drunk in a country where the drinking limit is under 21, and went to the states and were still over the limit, could they arrest you for underage drinking even though you did not do the drinking in the states. Why do people think that swaying their arm back and forth would change the direction of a bowling ball? If girls with large breasts work at Hooters, then do girls with one leg work at IHOP? Why is it that everyone driving faster than you is considered an idiot and everyone driving slower than you is a moron? If pro and con are opposites, wouldn't the opposite of progress be congress? Why does grape flavor smell the way it is when actual grapes don't taste or smell anything like it. If a lesbian has sex with other women but never with another man is she still considered a virgin? If a kid refuses to sleep during nap time, are they guilty of resisting a rest? Is it rude for a deaf person to talk (sign) with their mouth full of food? If its 11:30 PM Dec 31 in Texas and 12:30 AM Jan 1st in New York and you have a New York driver's license that expires Jan 2007, does that mean your license has expired? What's the difference between normal ketchup and fancy ketchup? If a transvesite goes missing, would youu put their face on a carton of Half and Half? Why is the Lone Ranger called 'Lone' if he always has his Indian friend Tonto with him? When does it stop being partly cloudy and start being partly sunny? Are eyebrows considered facial hair? If a baby's leg pops out at 11:59PM but his head doesn't come out until 12:01, which day was he born on? In the song Yankee Doodle, is he calling the horse or the feather "macaroni"? Is there a time limit on fortune cookie predictions? Since bread is square, then why is sandwich meat round? Do they have the word "dictionary" in the dictionary? Can you daydream at night? Why is it that on a phone or calculator the number five has a little dot on it? Can crop circles be square? If ghosts can walk through walls and glide down stairs, why don't they fall through the floor? Is it legal to travel down a road in reverse, as long as your following the direction of the traffic? When Atheists go to court, do they have to swear on the bible? Why is vanilla ice cream white when vanilla extract is brown? Can animals commit suicide? What do you do when you see an endangered animal that is eating an endangered plant? If a doctor suddenly had a heart attack while doing surgery, would the other doctors work on the doctor or the patient? How can something be "new" and "improved"? if it's new, what was it improving on? Why aren't drapes double sided so it looks nice on the inside and outside of your home? When two people marry, they say, "you may kiss the bride". What do they say if two MEN get married? Why is it that when we "skate on thin ice", we can "get in hot water"? Why do people say beans beans the magical fruit when beans are vegetables? If laughter is the best medicine, who's the idiot who said they 'died laughing'? If money doesn't grow on trees then why do banks have branches? Why are the little styrofoam pieces called peanuts? Why does the Easter bunny carry eggs? Rabbits don't lay eggs. Do siamese twins pay for one ticket or two tickets when they go to movies and concerts? Why are they called 'Jolly Ranchers'? Who said that the ranchers were jolly? Why does caregiver and caretaker mean the same thing? Can a short person "talk down" to a taller person? If a bald person works as a chef at a restaurant, do they have to wear a hairnet? If milk goes bad if not refrigerated, does it go bad if the cow isnt refrigerated? How fast do hotcakes sell? Do prison buses have emergency exits? Do astronauts change th more

Resolved Question: "child support ouestions?attorneys only please ?

"i was sent to prison in the state of oklahoma for for d.u.i. gone for 2 years my wife and i were married in 91 we have 1 daughter. while i was away the wife got state assistance and lived in public housing( h.u.d.)when i returned home the state of oklahoma filed a case against me claiming i owed money,back support and demanded current support.we made it together until we got off the assistance and out of public housing.this year the state took 2700 dollars of our tax money. in September i had a auto accident,insurance took 100% responsibility,but said that oklahoma(the state) had put a hold or claim on the accident that caused me loss of wages and medical expenses.insurance is in texas can the state of oklahoma do this to me/? what can i do to stop this from happening? can they intercept funds that are from a personal injury accident from insurance company out of my state?what can i do to stop the state from invading my families right to privacy,and what do i do to get legal help for civil rights violations?"thank you ! ranger. i have worked since the age of 7 mowing lawns with grandpa and i have worked my whole adult life.my incarcation was for d.u.i. that i contended but was prosecuted without counsel after detailing the corrupt police officers actions to our district attorney. he called me a liar, he stated the judge wanted 10 years i disagreed and the court proceeded and procetuted without me being represented.i no a fool is his own attorney but no one would listen to me.deciding 10 years was not fair" they sent me to a jury trial,i had to go for to jail for 2 years 2,500 fine.child support arrears and currentsupport was ordered after my release.while my wife had to live on public assistance i began to work for myself doing odd jobs lawns,tree triming whatever.its very hard to get employment after going to prison.no visiting rights were given me, the state said i needed to divorce my wife before any visiting rights would be levied either party.we decided to keep our marriage.(help)?PLEASE CALL I NEED ANY LEGAL ADVICEIS APPRECIATED580-226=2351(oklahoma) more