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writingtipsandtricks · 6 years

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WTT Writing Contest Winner!

(drum roll please)

This month’s writing contest winner is: @2bistheanswertothequestion for their piece All That Matters! You can read All That Matters below. Congratulations to @2bistheanswertothequestion; your piece was amazing and a joy to read. we here at WTT are proud that you chose to submit to us.

All That Matters

I think, although I can’t be sure, that it all began the day Tyler Ford knocked my cell phone off my desk. It left a huge crack, dividing the screen into three even parts. My mom heaved a deep sigh when I showed it to her later that night. With a hand pressed to her wrinkled forehead, she’d asked if I could make do with a broken phone for a few more months. I assured her I could – after all, the phone itself still worked. Also, it was kind of my fault for breaking it, I told her, not breathing a word about Tyler’s involvement. I don’t know why I didn’t. Maybe because I knew there was no point. It wasn’t like he’d reimburse me. His smirk and not at all regretful “oops” as he glanced back at me before moving on with his friends made that clear. So, rather than cause mom anger over other people’s bad parenting, I left her blissfully unaware of it all.

I wasn’t wise enough to do the same with Vicki and Azhar, though. Azhar saw the crack the day afterwards and I let the truth slip without thinking about what consequences it could bring. Which was hell-worthy fury from the both of them. Vicki wanted to settle the score by breaking his nose, while Azhar suggested a much more “elegant” plan that included falsified answer keys, a loaf of bread, and pulling the fire alarm. Vicki then had an even better idea that involved recruiting Azhar’s sugar daddy (her words, not mine) and his college friends to help us break a lot more than Tyler’s nose. That left Azhar spluttering about “how it wasn’t like that!” They hadn’t even gone past 2nd base yet (!); A four-year age difference really wasn’t that much (!!); Hammond was about as broke, if not more, as us so he couldn’t throw money at him even if he wanted to (!!!).

I didn’t hear Vicki’s retort, since my attention had been grabbed by a muted clicking emanating from my back pocket. Fishing out my cell, I stared at it as the clicking continued. It was odd, to say the least. None of my current ringtones were anywhere close to a clicking sound. Maybe someone had called me without the phone going off and when I didn’t answer they decided to exact their revenge by… being confusing? No, that didn’t make sense. Especially not after I powered it on and it showed no new calls. Yet when I put the receiver to my ear, the clicking was still there.

That was the point I interrupted Vicki and Azhar’s squabble, which had progressed into Vicki dousing Azhar in words that would’ve been considered slurs had anyone else said them, and Azhar attempting to smother Vicki with her own hair.

Brows furrowed with bewilderment as they held the cell between them. After asking the same questions I asked and running through the same theories, Azhar declared it to be broken, plain and simple. Vicki shrugged her agreement, her interest in the whole thing waning. I forced myself to concur as well. After all, it was the logical conclusion.

Still, in the depths of my gut, I knew it wasn’t right.

——————————

The ground is cold and damp against my cheek. Around me, the darkness drips, as if water is trickling down the walls. I take my time to sit up. Nothing hurts apart from my head – a low, throbbing, nauseating pain. Many slows breaths helps to dull it, after which I look up and around. It’s almost completely dark, the only light a few white rays leaking in from a barred-up window. The minimal light shows me that the room I’m in is small and run-down. The walls are water damaged, the wallpaper coming off in several places, the floor is missing planks here and there, and the roof is leaking. It’s also empty, except for the dead phone lying by my hand.

I pick it up, studies it, tries to power it up, but to no avail. I curse under my breath while pushing myself to my feet. There’s no point to stay put, after all.

The staircase creak beneath me, threatening to give up and letting me fall through. It never actually does, though, and I arrive on the first floor unscathed. It’s as dilapidated as the upper one, with not only a ton humidity hanging in the air, but also massive heaps of trippable junk hidden in the murkiness. I curse some more as I navigate my way outside. It isn’t until the fresh air hit my face and the moonlight reveals the landscape that the gravity of it all dawns on me.

To my right are miles and miles of dark buildings, all of them in ruins. To the left is a forest of barren trees, sharply outlined and alien in appearance. Everything is wet. The buildings, the plants, the air, the ground. It pools around my feet, soaking the edges of my jeans.

What is this? Where is this? How did I get here?

How will I get home?

A chill runs down my spine, runs through my everything. It’s as if my body absorbs the cold surrounding me. I begin to shake. My lungs work like a machine, but I still become dizzy, getting no oxygen. The air… it’s too wet – I feel like I’m drowning every time I breathe in. I gulp, I gasp, but nothing works. Losing feeling in my legs, I stumble backwards as the world spins and my vision blurs.

“You’re not supposed to be here, are you?”

The voice – emerging from nowhere – causes me to yelp in surprise. Spinning around, I come eye to eye with a… scarecrow. Made out of metal, a dusty bronze that nevertheless shines in the moonlight. He hangs in one of the trees, from the folds of its knees, and watches me upside down. My words get stuck in my throat a dozen times before I manage to force them out.

“I… I… N-no. No, I, I’m not.”

The scarecrow nods, folding his arms before its chest. “You’re going the wrong way.”

“H-how do you know where I’m going?”

The scarecrow shrugs. “I don’t. But I know that way ain’t right.”

“Then what way should I go?”

The scarecrow lets down his arms, releases his grip on the branch, and somersaults down. After dusting himself off, he turns to me, head cocked to the side as he studies me. His face is a sleek plate, with two round holes for eyes and a crescent shaped one for a permanent grin.

“I don’t know,” he says. “Where do you want to go?”

“I… I want to go home.”

The scarecrow scoffs. “Then why did you come here?” he begins to walk around me in circles.

“I didn’t mean to!” My tone heats up with my temper. “I don’t even know how I got here!” I dig my hand into my pocket to pull out the phone. “Look, I… My, my phone-”

“You came here through your phone?” The scarecrow sounds incredulous. He stops behind me.

“No! I-”

Two spindly hands wrapping around my arms cut my sentence short. The scarecrow spins me around, away from the trees and towards the buildings. Leaning down to rest his chin on my shoulder, he extends one arm to a peak rising on the horizon.

“If you want to leave, you should go…” He trails off, thin finger pointing.

I squint. The peak is a hill, or a mountain, and on the mountain is a…

“That tower?”

“No one who goes there ever comes back.” The scarecrow’s voice becomes low, rasping. “Figure they leave for somewhere far away.”

It doesn’t sound promising at all. Unhanding me, the scarecrow walks back into the forest.

“Y-you’re not coming with me?”

“No.” The scarecrow halts to cast a brief glance at me from over his shoulder. “I have things to do. And I don’t like you very much.”

A rock lands in my stomach. My vision blurs yet again, the world begins to twist and twirl before my eyes. The scarecrow continues, raising a languid hand to wave at me as he walks away.

“Good luck,” he says right before the darkness swallows him.

——————————

Day two after The Crackening was a long and tired one. The clicking had gotten louder during the night, keeping me up until the early hours. It was the pure exhaustion that finally made me crash at 5am. 10 hours later a dull, steady pain was pressing against both my forehead and the back of my eyes. By the end of the day, the school’s patented smell of fish and glue was the only thing keeping me awake. My pitiful state got a few semi-sympathetic chuckles from Vicki and Azhar. They spent a few minutes betting among themselves the reason I couldn’t stop yawning (Azhar thought I’d been reading while Vicki probably not very seriously guessed porn). As much as it broke my heart, I had to tell them “no”. Azhar found the increased clicking fascinating. I probably would have too, if I hadn’t been so damn tired. However, when I retrieved the phone from the bottom of my bag to show them it wasn’t clicking anymore, but whooshing.

It was low, almost noiseless. So faint you had to strain your ears to hear it. It was better than the clicking – and worse.

Now, everyone’s curiosity seemed to have piqued. Vicki began probing, wanting to know whether I’d done anything that could’ve prompted the change; Azhar fell quiet, staring at the ground with a crease between his eyes. He let out a drawn-out hum as he tapped his chin. Vicki and I stared at him in anticipation, awaiting his verdict. Several minutes of contemplation passed. Then he looked up, shrugged, and admitted he had no idea what the cause could be. Vicki threw her arms into the air, exclaiming a frustrated “Come on!” Azhar laughed, right as an old, blue Mercedes drove into the parking lot. Face, nay, whole being lighting up, Azhar more or less skipped over to the vehicle whilst shouting a breezy goodbye past his shoulder. Vicki, hands cupped around her mouth, informed him he was a damn dirty traitor before grabbing my wrist and pulling me the other direction.

We stopped by her house, just two blocks from the school, to drop off her bag and pick up her dog, Terra. (Short for “Terrarium”. Yeah, I don’t know either.) Or, I say dog. She’s more like 20% wolf, 40% bear, 30% buffalo, and 10% shark, which is the only way to explain those teeth. Seriously, her canines are about as long as my pinky and twice as thick. She’s terrifying even if she’s likes you.

The plan was the usual one – stop by the bodega around the corner for snacks before continuing to my house, going through the park so Terra would have the opportunity to roll in the grass and scare other unsuspecting lifeforms. Not that Terra is never not scaring people. That particular day, for example, she sent two older ladies hurrying off while Vicki was tying her to a pole outside the store. It made Vicki scoff – Terra wouldn’t hurt you unless you gave her reason to! I have my doubts about that claim, but whatever. The bodega itself is pretty nice, but I only shop there when Vicki is with me due to one of the daytime cashiers. There’s nothing wrong with him, it’s just that his eyes are too blue and his intonation is always filled with acid. Like he’s mocking you no matter what you say or do. That stops whenever Vicki is around, though. Then he won’t look up from the counter, and his voice turns soft and quiet. Vicki insists it’s because he’s heard about her fighting prowess and is afraid of her. All my and Azhar’s attempts at telling her he likes her have been flat out rejected. It almost makes me feel sorry for him. I mean, he’s not all bad. Like that time when he let me hide in the staff bathroom until Tyler Ford and his friends lost interest and moved on. I should probably thank him again for that. And learn his name. Maybe.

We bought one chocolate bar and one soda each, and biscuits for Terra. The cashier (who wasn’t wearing a name tag) refused to meet our eyes as he mumbled our total. Vicki didn’t seem to notice, or care. Poor guy. Just watching it kinda breaks your heart. At least Terra was happy when we came out again. Vicki dominated the conversation on the way back, as usual. Today it was about her hatred for her history teacher. I won’t have Mr. Durst until next year, and I’m not looking forward to it. Students have been complaining about him since Azhar was a freshman. Probably before that too. It’s mean, but I’m actually sort of hoping he’ll be fired before next semester. I did not skip two grades only to have my GPA get screwed over by an incompetent teacher. He isn’t helped by everyone comparing him to the 9th years’ history teacher either. Mr. Pike is the complete opposite of Mr. Durst: nice, patient, laid-back, cheerful, funny. Also, he drives a motorcycle. Also, he spent his youth hitchhiking through Asia. Also, he’s got a cool film quote for every occasion. Lastly, he actually cares enough about his students to help them when they don’t understand what’s going on. Mr. Durst never stood a chance. Anyway, in the middle of her tirade, just as it was getting good, in fact, Vicki cut herself off. The leash in her hand pulled taut before Terra got the memo and came lumbering back to us. Vicki frowned at my bag, muttering how annoying that swishing sound was. And there I thought I was the only one to notice! That was it – time to shut it off. If mom needed me she’d just have to call Vicki instead. My hand trembled as I fished out the phone, the receiver letting out a long hiss. Terra growled at it.

The phone growled back.

It clattered as it fell against the ground. Vicki and I stared at each other, eyes wide, mouths hanging open. Terra began to bark and snarl; Vicki had to put all her weight into holding the dog back. She snatched the phone off the ground and, angrier than I’d ever seen her, snapped at whoever was at the other end. Demanding to know who they were and what their goal was, and making it clear that it wasn’t fucking funny so they better stop right now! For the first time in two days, my cell phone didn’t utter a single sound. Vicki glowered at it, her grip so tight it looked it could snap the mobile in half. She announced she’d shut it off, and I nodded, my tongue made of sandpaper. After the phone was yet again banished to the bottom of my bag, we continued, the mood more somber than before. Terra thumped her head into my hip. Mind not entirely there, I scratched her behind the ear. She licked my palm as thanks.

——————————

The tower is farther away than I first thought. I walk for a long time, how long I can’t say, but long enough for the trek to become tedious. The tower stays as remote as ever.

The more I walk, the wetter I get. It comes from every angle. It’s like it’s raining, although the skies are clear and no drops ever hit either me or the ground. The only sounds I hear are my footsteps, sloshing against the watery ground. And clicking. At first distant and rhythmic, but by now louder and bordering on chaotic. Is it annoying or unsettling? Possibly both. Possibly-

A crunch amidst the slosh. Startled, I come to a standstill. Underneath my shoe is a large, black, flat insect. Yellow muck seeps out from all ends. Nose scrunching up, I smear it off against the road. Bits and pieces float away on the puddles. A retching complaint escapes from my pressed together lips. I’m about to go on, when I notice the clicking has stopped. When…?

Anxiousness claws at the back of my head. The feeling of being watched overwhelms me. Was the atmosphere this cold one minute ago? Pulse drumming in my throat, I rotate on the spot, poring over the night’s black corners. I make it halfway before I see the darkness closing in with an earsplitting clicking.

Insects. Millions.

I run. I don’t know where to – just away from here! Speeding down the road – water splashing, feet gliding, lungs burning – the insects still keep up. The clicking overpowers everything else, even the splatter of water, even my own frantic gasps. An ocean of insects cascade in front of me; I jump over it, stomping dozens of beetles into the ground with each step. The survivors scale my legs, weighing me down as they bite into the fabric. I try to swat them off – they bite into my flesh instead. Ahead, in the middle of the street, is a river. Narrow, possibly shallow, possibly deep, hard to tell when the water is so dark. I’ve never been a great swimmer. I still throw myself in.

It’s cold, but only so shallow it reaches my waist. The chill also causes most of the insects to release their grip. They float up to the surface, some alive but most dead, and are pushed away by the waves I create as I wade forward. By the time I’m across, the few insects left on me are easy to flick off. I heave a sigh, my teeth clattering. My relief is short-lived, however, because on the other side of the river the insects have begun closing the gap between me and them by using their own dead as a bridge. My shivering intensifies until my entire body shakes uncontrollably and my already rapid breaths quicken even more. Stumbling away from the riverbank, I search for an escape. The roads are small and windy, none of them seeming to lead to the tower, which is still so far away.

The clicking grows stronger. For a moment I forget about the tower; I just want to get away from that sound! So I hurry over to the closest house, yank the door open, and slam it shut in the hopes it’ll keep the noise out. It does – the clicking vanishes, and is replaced by a loud chop.

I spin around, heart racing. The house, which looked average on the outside, has the interior of a butcher shop. Well, a vacated butcher shop, with dust and grime replacing the goods. Even so, behind the counter stands a tall figure, dressed in opera gloves and a quite ill-fitting green evening gown, using an enormous cleaver on what could be a piece of meat. The figure turns to look at me; my stomach turns inside out at the sight. The figure’s face is pale, with two dark cavities where the eyes should be and a thick thread forcing the lips together. She walks towards me, cleaver still in hand. I want to flee, but I can’t – my limbs have become too heavy. She stops in front of me, and inclines her head as if looking down. Following her line of… un-sight, my gaze lands on the pool of river water I brought in with me.

“Umm…” I look up. The figure plants her hands on her hips, forehead creasing. “Sorry? I, I had to cross the river to get here, and, uh…”

The figure shakes her head. Reaching past me, either not noticing or ignoring how I tense up, she locks the door before returning to slicing up the meat by the counter.

“Umm…” Shuffling my feet, I glance back and forth between the door and the figure. “I’m trying to get to that tower? On the hill?”

Her movements slow down. A gurgling sound erupts from the meat.

“Do… Do you know a fast way to get there?”

The figure’s unoccupied hand drums its fingers against the dirty glass. She turns to me, blinking. I compel my face to stay neutral. Why would you even needeyelids if you don’t have eyes?

After an extensive minute of drumming and soft gurgling, the figure, having made up its mind, beckons me to follow her further into the shop. We go through a doorpost where the hinges have been torn off and up a very long, very windy staircase. At the end is a metal gate that she struggles to open even when using both hands, letting me hold the cleaver in the meantime. Something drips from the edge; I pretend not to see it. Fog wells into the house when the gate finally glides open. It obscures the ground and the distance to it, but I guess we’re at least three stories up. The closest other building is approximately 300 yards away, and between it and the butcher house is a narrow bridge of wood.

I swallow. “I walk on that thing?”

The figure nods. Lifting her arm, she points up in the air, then mimics a beak with her hand and makes it swoop down at my head. Lastly, she gently pushes my head downwards until my knees bend and back curves.

“Make myself small?” I ask. The figure nods again. “Because of… birds?” That earns me a light slap on the back. Good to know we understand each other.

“Well then… Thank you.”

For the first time, the figure’s mouth changes position, curling into a tiny smile. Although queasy, I return it. Then I move out.

I’ve made it about 20 yards when the gate closes behind me. It causes the already unsteady bridge to swing even more. For a second, I picture myself falling. Sucking in air between clenched teeth, I continue, my eyes kept on the planks and not the ground that sometimes peek up from gaps in the fog. The journey isn’t made any better by the wind – strong gales that whoosh past my head and whine in my ears. The few instances when the wind stills, it’s replaced by vague flaps of wings. Sweat trickles down my back. My breaths are so quiet they might as well be non-existent. 200 yards across, the wind staunches, but instead of the expected flaps, I hear clicking.

My heart stops. I glance over my shoulder. The butcher house is shrouded in moving shadows. No, not shadows. Insects. Millions upon millions of black insects. Eyes widening, I start to shake again. Then I run, or I come as close to a run as I can with the bridge swaying beneath me. The clicking chases me; I speed up even more. In the corner of my eye, a murky thing swoops towards me, wings flapping. I duck at the last minute. Another comes from the left. This time I throw out my arm, and by pure, dumb luck thrusts the bird away from me. The encounter leaves my hand moist.

10 yards left. Insects crawl up my legs. A shadow races past my nose. I don’t have any time left. I jump. Hurdles forth and smashes into a hard roof. I grasp at something, anything, to grab onto, but my fists reach nothing but air and I slide down the slope, tiles snapping beneath me.

The landing hurts, but not so much I can’t get up and sprint within an instant. A voice in the back of my mind informs me that a fall like that should’ve broken both my legs, but insects aren’t supposed to attack people either, so who even cares. All that matters are that the clicking and the flapping slowly but surely fades.

I don’t stop running until my legs cramp and my lungs burn. I’ve had enough – I just want to get out of here. Fortunately, the figure wasn’t lying: I have come closer to the tower! God, I hope the insects didn’t harm her. For my own piece of mind, I decide the tiny pest can’t get through walls.

A noise in the distance has me freeze into a statue. It’s not the insects, or the birds, but rather… a vehicle? A motorcycle, to be precise. Scaring my heart into my throat, it steers so close I think we’ll collide, before skidding to a halt in front of me. It’s big and shiny, the cleanest thing I’ve witnessed since I arrived, in fact. The driver is big too, but not so clean, judging by his smell. He reeks! A pungent odor that reminds me of rotting meat. It crawls down my nostrils and throat, clings to my insides and makes me gag. I’m about to excuse myself and move on when the blasted clicking draw nearer. I want to scream. I’m barely even frightened anymore – just furious and exhausted.

The motorcyclists head darts between me and the wave of bugs. Snapping his fingers to catch my attention, he then pats the passenger seat on his bike. I hesitate. Be eaten alive or be around that smell any longer? He has to pat a second time – firmer, probably a bit annoyed with me – before I relent and hop on. The stench is somehow even worse up close. What’s more, when I wrap my arms around him, he feels softer than he should. Squishy, as if the leather suit is the only thing holding the body inside it together. I choke back the bile.

The clicking approaches. The motorcyclist drowns it out with a rev of his engine, and we zoom off. The streets and alleys are tight and snaky. The speed is bloodcurdling; I cling to the motorcyclist as if my life depended on it, which, it I’m pretty sure it does. Several times a wall or a pole brushes too close – how we manage not to ram anything I’ve no idea. The wind whips at my face; my eyes tear up as it blends with the scent of the driver, and as the insect’s clicking leaks into the roar of the engine. My sole comfort is that the motorcyclist drives towards the tower. Maybe I’ll make it there. Maybe meeting this crazy person was the best things that could’ve happened. Maybe-

There’s a chasm separating our part of the city with the tower’s part. A bridge – an actual bridge of stone too – begins, but ends too soon, not even a third across. Tears roll down my cheeks, heavier than before. That’s it, then. We might as well stop and let ourselves be devoured. Or drive directly into the chasm to let whatever’s on the bottom kill us. I hope it’s solid ground – death by fall seems less painful than drowning. Quicker, in any case. But we don’t fall. We fly. Driving up the edge of the bridge, the motorcycle leaps through the air. My shriek gets stuck in my throat. My grip would’ve fractured the motorcyclist’s bones had he gotten any. Very briefly, we are weightless. Then the bike starts to fall, and us with it. I regain my voice, letting out a screech. When we land on the other side, the impact makes my vision goes dark. I’m thankful I’m spared from the view as we crash into the dirt.

——————————

The phone stayed off. I really should have told mom I needed a new one, but I wasn’t sure how to bring it up, or what excuse to use for that matter. “My old one is possessed by an angry animal who likes to play with pens and who has a draft problem” just didn’t seem good enough.

What I wanted most the following day was to be distracted, but unfortunately both Azhar and Vicki would be unavailable after school, him due to seeing Hammond again and her due to getting detention. Ryan Robertson had called me a “Jap” again, among other things. Eight whole months and he still hadn’t gotten into his thick skull that I wasn’t even Japanese. Anyway, Vicki had bashed his head into a locker because of it, which was pretty fun. Alas, the principal had seen her do it, which made it less fun. At least Ms. Kowalski was cool enough to give Ryan detention too, due to “unacceptable bigoted behavior”.

We stopped by the detention hall to wave goodbye to Vicki. She waved back, grinning widely. On our way out Azhar speculated, with a roll of his eyes and a giggle in the back of his throat, that she’d do nothing but graffiti her desk and try to persuade the other students to let her teach them how to put people in headlocks. I agreed, pulling my face into something resembling a smile. Azhar gave me a searching look, head cocked to the side. What was the matter? My phone still? I sighed. We (well, Vicki) told him as soon as we saw him next, of course, and he’d produced hundreds of theories as to why, all of them thrilling and none of them plausible.

I was about to tell him yes: it was still worrying me. I had a terrible feeling about it and I wasn’t sure how to handle it at all. Should I even? Was I overreacting? Was I letting fear make me irrational? But then Hammond’s blue Mercedes pulled into the parking lot and I claimed to just be exhausted after a long week. I don’t think he believed me, but didn’t press the matter either. Sliding into the car, he asked if I wanted to join them? Hammond wouldn’t mind at all. I know he wouldn’t, but it still didn’t feel right. It wouldn’t be the same. In the moment I wanted to ask Azhar to not pick his boyfriend over me for once, but I was neither that bold nor unfair. So I just declined with a smile and a promise to message him later that night, waving as they drove off.

The walk home was simultaneously too long and too short. When arriving the house was both too quiet and too loud. Ticking clocks, creaking corners, dripping faucets. No mom, though, since she worked late, and no friends to call. Or phone to call with. Shambling into my room, I dropped my bag in the corner and got ready to drop myself on my bed, when a noise erupted from the bag. My ringtone, shooting through the air and hitting me in the head like a rock. I froze. How?! We turned it off!

…didn’t we?

I edged closer. The noise kept going. Picked up the bag. It got louder. Grasped the cell. The screen was black. It was still shut off. Yet it rang. And rang. And rang. Having literally no idea what to do, I put the receiver to my ear, opened my mouth, and blacked out.

——————————

I ache. But I’m alive. Shoving myself up on unsteady arms, I look around. The motorcyclist lies beside me, unmoving. I wriggle towards him, slithering like a snake since my legs don’t want to work just yet.

“Hey…”

I poke him. Then push him. Dragging myself into a sitting position, I grab him by the shoulders and shake.

“Hey! Hey, mister!”

The helmeted head lolls to the side. A thick liquid pours out from between it and his neck.

Oh.

I withdraw my hands. Pulls them close to my chest and wrings them back and forth. They reek – like him. I don’t know how long I sit and stare at him, eyes stinging, throat working. When the amount of liquid gets so big it starts to stretch past his shoulders, I get to my feet and move on.

Merely the hill is between me and the tower now. A thick forest covers it, with a single pathway leading up. The trees that line the path are tall and dark – the tree crowns are so dense barely any moonlight makes it through. The very moment I step foot in it, I want to turn back around. Which I can’t. I didn’t get this close just to give up. I didn’t get two people killed just to give up. So I go on, my stomach a bottomless pit and my breathing pattern too calm.

It takes hours. Hours of legs numbing, of hands trembling, of my mind being filled with a silvery haze. I’d go to sleep right now if I could. If. The scarce specks of moonlight on the ground are what keeps me going. That and the faint echoes of creaks from within the forest. It reminds me of bad floors in old houses. Then I’d rather focus on the moon-specks. They’re like petite drops of white in a world of eternal dusk. I miss being able to see farther than my nose.

Something growls. Behind me. I sigh, a quiet whine creeping in at the end. I don’t have the strength for this. I don’t want to anymore. Warm breath caresses my scalp. A soft snout prods my neck. Then something rigid is jabbed into it. It makes me stagger forward. Spinning around, I’m met with fire.

The beast is larger than I expected. 10 feet tall, perhaps. Hairy and horned, with massive hind legs and smaller front legs. The eyes are milky white, as is the… thing that sits perched on the beast’s back. She’s naked, as far as I can tell, her leathery skin pulled taut over the bones. Bandages are wrapped around her head, but I still spot a thin, blonde ponytail welling out between the straps. In one hand, she’s got a torch, in the other a metal staff. I guess that’s what she nudged me with. She directs the monster closer to me and leans down, studying me from behind the dressings. There’s something supernatural about her. Ghostlike.

“I’m going to the tower.”

The ghost snorts.

“Apparently that’s the way out of here.” I show her my phone, as if that would make her understand.

Now she cackles. Handing me the torch, she waves for me to show the way. I’ve got no problem with that. Although, I’d prefer if I could get a ride on that beast. It doesn’t hurt to ask, does it? Especially not after having walked for so, so long. Gathering my courage, I elevate the torch to better illuminate her face and look her in the non-existent eye, when my phone slips out of my pocket. It lands on the edge of the path, right where the dirt stops and the grass starts. I take a step into the greenery to pick it up. She gasps.

Scarcely has my hand grasped the case before I’m yanked to the side. The ghost raises her staff, using it to stop the huge tree branch from smashing into her head. From the path’s other side, a dozen roots shoot out towards me. Just as they’re about to grab me, the beast’s massive jaws clamp down, severing them in half. I scramble to my feet, recoiling when another branch smacks into the spot I just sat in. The ghost clutches my collar, and shoves me up the hill. My feet don’t need anyone persuasion to run. Phone safely clasped in one hand and torch in the other, I sprint until I can’t feel any part of myself, until my whole being is numb, until I don’t have to sprint any more.

It’s first when I reach the top that I realize that the ghost and the beast didn’t follow.

I’m hurting again. Everything, it hurts. Something, in my chest, is strung so tightly. It keeps me from breathing.

“Oh, you made it.”

It coils tighter. But I manage to exhale an inch. I drop the torch to the ground, pressing it into the soil so that the fire suffocates before it spreads.

“Yeah,” I say, turning to the scarecrow. The tower looms behind him. “When did you get here?”

He shrugs. “A while ago.”

Fatigue engulfs me. I walk past him, past the pillars holding the entrance up, and into the tower. It’s warmer in there than outside – my glasses fog up the moment I enter. Even then, I can tell I’m surrounded by emptiness.

I rotate. Once. Twice. Thrice. Nothing. There’s nothing here.

“So what do I do?”

The scarecrow cocks his head at me.

“Do?”

“To get home.”

Following my example, the scarecrow’s head twists around, scrutinizing the place. He shrugs.

“I don’t know.”

I shut my eyes. Grind my jaw. Inhales. Exhales. My hands shake, despite the heat. The thing coils tighter.

“But you’re the one who told me to go here!”

“I also told you I don’t like you very much.” The scarecrow draws nearer. Folding his arms across his chest, he leans down until we’re at the same level. There’s a smirk in his tone. “Why would I help someone I don’t like? You don’t even belong here!”

Tighter. Hotness rise in my face. Blood pounds in my ears. The scarecrow appears to notice, because he speaks even louder. Laughs so that the whole, uninhabited city hears.

“Look at you! You’re so small and worthless, I didn’t think you’d make it! Why would I care if you did? Why would I-”

Screaming, I thrust all my weight into my punch, striking his grinning metal plate so hard that he falls backwards. The scarecrow smashes into pieces as he hits the ground. The limbs split from the torso and the torso breaks in half, all parts splintering into even tinier pieces. It looks like a garbage truck has vomited all over the floor. The face, having detached from the head, slides away from the mess, spinning around until its eyeholes meet my gaze.

“Well, kid,” it says. “You’re tougher than you look… aren’t you?”

You’re tougher than you look, aren’t you?

It was about eight months ago. I had been a high school freshman for three weeks, and I was miserable. I hadn’t expected to be popular, but I hoped to have found at least a few friends. Mom must have realized it, because every day she asked if school had been fun or if I met someone interesting. Despite her good intentions, she really only made things worse.

Then, three weeks in, as I stood by my locker by the end of the schoolday, I accidentally elbowed the person behind me. It was mortifying. I apologized until I lost my breath, but the guy – tall, dark, and envy-inducingly pretty – waved it with a laugh as he stood hunched over and clutching his gut. Damn, you’re tougher than you look, aren’t you? he said while assessing my diminutive frame and twig-like arms. Hey, don’t we have film theory together? I think I’ve seen you there. I’m Azhar, by the way.

Seen me. He’d seen me. Sometimes not even the teachers saw me! I was dumbfounded, not even finding words when he excused himself and hurried off. The next day during film theory, Azhar plopped down in the seat next to mine, propping his feet onto the chair in front of him, and declared that he’d been meaning to ask how old I was. I told him I skipped two grades, which seemed to impress him. When class started he pulled me into his discussion group. I only said nine sentences during that class, each one a reply to something Azhar asked me. It was fun. I enjoyed myself enough to be disappointed that we wouldn’t share any more classes. What’s worse, we wouldn’t be able to have lunch together either, since he was a junior. I comforted myself with the fact that he wouldn’t have wanted to spend his lunch with me anyway. Two hours later, I got stopped from walking into the cafeteria when someone grabbed hold of my hoodie and yanked it back. It was a tall, blonde girl with steel toed boots who let me know that her name was Vicki, and since I was Azhar’s friend I was also her friend, which was good because she was getting tired of eating by herself. Then she pulled me with her while instructing me to never eat the pudding no matter how tasty it looked. At the end of that day – after having been shown the best places to buy drinks, been introduced to a half-dog, half-monster, and agreed to join a weekly study session at the library – I arrived home to tell mom I probably made some friends.

Home. I want to go home.

The coil breaks. Snaps. Releases a flood that wells from my eyes. My breathing quickens, grows so rapid my lungs don’t have time to retrieve any oxygen from it. Dizziness pulls over me; I sink to the floor. Fold into myself in a broken heap. I wipe away the tears, but they’re so many most of them fall onto my muddy jeans anyway. My howls resound against the metal walls, boom around me. I want to go home. I want to go home. Please, please, please, just let me go home!

My ringtone cuts through the blubbering. I look up with a gasp. The screen, with bright, bold letters, says “Mom”.

I dive for it, fumbles for the answer button, puts it to my ear, and-

“Hi, honey. We got a bit delayed today, but I’ll be home in 30 minutes. Could you-”

“Mom?”

“Yes?”

I’m winded, I need to gulp to even feel the air in my throat. I try to choke back the crying too, but when I open my mouth next, the only thing I release is a sob.

“Honey, what is it? Were you worried? I’m so sorry, but I couldn’t call until now. Oh, sweetie, don’t-”

“No, no!”

Swinging my legs past the edge of my bed, I rub my face. The tears have left dirty streaks all over it, I just know they have.

“No, I had a nightmare. A bad one. I’m fine now, thanks for waking me.”

She sighs, relieved. “Oh. Well, it’s just a dream. Try to get up and walk around a bit.”

“I will.”

“Good! Then I’ll see you in- Oh, no, wait! Get the meat from the freezer and put it some cold water, so it’ll thaw! Can you do that?”

I chuckle. “Sure.”

“Don’t you laugh! It’s enough you make me forget why I even called you in the first place…”

When she arrives home, I tell her I need a new phone anyway. Mine died right after she called me, and I haven’t been able to get it working again. She groans, complains about pricey junk, and says it’s lucky it waited for her to call before dying. Yeah, I agree. “Lucky”.

What’s really lucky is that she doesn’t have to buy a new one for me. Two days later, Azhar once again tries to make us come with him and Hammond as they leave. We won’t be the third wheel, there’ll be other people there too! Mostly Hammond’s friends, which means they’ll be good people. Rolling her eyes, Vicki refuses (“I bet they’re a bunch of losers!”), but then begrudgingly changes her mind when I jump into the back seat of the Mercedes. On the way to the fast food place, the small talk leads to Hammond’s younger sisters’ birthday. With a shake of his head, he laments over how spoiled they’re getting. Three months after their parents got them the latest mobile, their grandmother got them an even later model! Without hesitating, I ask if perhaps it’s possible that I get one of them? Adding that mine’s broken, when it hits me how rude my question sounded. And of course I’ll pay for it! Hammond squints at me in the rear-view mirror. I can hear him think to himself: has this kid ever said more than one sentence to me before? He snickers. (“You can have it for free.”) Azhar quickly claims the remaining twin’s phone – not because his is broken, but because he wants it. So the next week we flaunt matching glittery powder blue and lavender cells. Changing the cases would be easy, sure, but also so unrewarding. Also, very unprofitable, since the sparkly cases are perfect bully repellent. Apparently, even something so innocuous as a phone case can be gay, and touching it will result in you turning gay as well. Yeah, I don’t know. Everyone who isn’t terrible love them, though. Mom loves them. Vicki loves them. Ms. Kowalski and Mr. Pike love them. Alexis (the cashier at the bodega – he’s also been a lot less glare-y after I asked for his name) loves them. Azhar especially loves them. The only reason he hasn’t also covered his in butterfly stickers is because I can’t be bothered to, and if only he does it, we won’t match anymore! I might change my mind when he’s begged me enough.

The old phone, with the boring brown case and cracked screen, lies on my desk. Mom wanted to throw it out, but I managed to persuade her not to by telling her some bullshit about it making the atmosphere of my bedroom. I do have a lot of brown things in there, after all. Sometimes I find myself staring at it. Never touching it, just… watching. Waiting. Because, you see, the question isn’t if it’ll revive – it’s when.

I haven’t decided yet whether I’ll answer.

#submission #All That Matters #writing contest

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kriskonfesses · 6 years

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Just a little change... 1/1

20 (give or take) years. That, my friends, is how long it takes for a bunch of scientists to discover the genetic issues that cause a disease and for a treatment of any kind for the disease to be released (other than just treating it symptomatically). Well, in my case. My entire life can be summed up in a similar number of years. My mom always told me that they had pinpointed the exact chromosome that was malfunctioning in people with SMA right before I was diagnosed. Now, I finally get to do something about it. So, here I’ll keep my progress of the treatment I’ve been panicking/searching/drooling over for the past four months. A little more than a year ago Spinraza, the first ever gene therapy for SMA, was FDA approved and tomorrow I get my go at it. December 2016 I’m sitting on the bed in the guest room of my dad’s new house. It’s the day after Christmas and I have a sore throat (that eventually ended up in the ICU, save that for a later date). I’m flipping through posts on facebook when I came across a peculiar post on a rare piece of magic... well, sorta. It may be science but it seemed miraculously exciting. A drug called Spinraza which would stop the progression of my disease and was very expensive. That was of all I knew and all I wanted to know at the moment. I called each person in the house to the room one at a time and told them and none of them seemed very cheerful about it. I couldn’t understand why no one felt the way I thought I should feel. And they had a point. It wasn’t a cure. It’s almost a million dollar treatment. It’s done every four months for forever. There is no promise to gain strength. It’s a needle going into your spine. I could go on... And for us, we didn’t know much about the result, but I always held hope a little in the back of my head. I gave up and decided to wait. I heard insurance was hell to get through. Yet, my muscles have gotten weaker... My already painfull major depression just made everything suck, everything sucked. It had been sucking since my pneumonia. Nothing would change what has happened to me, but my mindset needed the change. That's when I realized I had stopped seeing my therapist since pneumonia and I really needed one. I called her back up and the results were amazing. My panic attacks have literally gone from twice a day to once a week. Then, I got the other important thing that helps with depression: Meds? No, sun. I took a cruise. I felt so relaxed and away from my troubles and it was great. I know I seem a little off track right now but stick with me here for a sec. Around this time I got an invite to a Facebook group about Spinraza. I started seeing all these wonderful stories about babies and toddlers. They were breathing without the need for support, crawling, sitting up, and walking on their own. The joy of knowing that these kids would never have to grow up going through the trials I had to was priceless. Nowhere near as many hospital visits, no missing learning important things in school like tying your shoes because you had PT, no difficult special ed bus drivers, no missing field trips or field days.The families would save some pain in the process, too. Maybe this would prevent some siblings from having to go to therapy. Maybe it would even save some marriages. I know having children with disabilities can be a heavy load for parents to carry. Although I know my own parents had their unrelated reasons for divorce, it still stung to think that my disease didn’t help the matter. While reading and wading through emotional stories, I learned children weren’t the only ones noticing changes, even though these changes in adults were never promised. I heard stories of people who could lift a cup or open a lid. These things may seem minuscule to the vast majority of people, but they can be huge to those who have no way to care for themselves. You don’t ever understand fully until you have to ask others to do everything for you. I heard people were talking clearer. It has always been a fear of mine to lose the ability to speak clearly as it is the only form of control I really have. Just the thought of not having to lose my voice or my already weak ability to pick things up is exciting. And honestly, that right there is the reasoning behind getting this treatment. So I started. My very first step is to research as much as I possibly could. Learning about the procedure, the side effects, and the expectations is very important. I read thousands of comments and questions on the Facebook page and read as much on the official website as I could. I didn’t want to go in and be blinded by complications, so I tried to find a way out of all the problems before I even started the process. Unfortunately, for a person with panic disorder this severe, this caused a lot of stressing about things I never should have had to worry about, to begin with. I also learned every situation is vastly different. When I came across a person in the same state with the same insurance I have, who kept getting denied, I instantly thought I would be in the exact same situation. Turns out I was wrong and I spent a month worrying about it. I can always be counted on to overthink things. My next hurdle revolved around the location of the treatment. While Austin isn’t behind the times when it comes to medical facilities, it is nowhere near the largest or most medically advanced cities in Texas (Texas has 3 of the 10 largest cities in the country in it and Austin certainly isn’t one of them, even though it is the capital). Since at the time Spinraza hadn’t even been out for even a year and the cost was such a large risk, very few places were willing to administer the drug. I pretty much had two options, Dallas and Houston. I looked into Houston and found a place but they wouldn’t take my insurance (aka Government insurance) because of something called “Buy & Bill”, which pretty much means my insurance agrees to cover it as long as the hospital pays for it initially and then gets reimbursed. Obviously, it isn’t the ideal situation. Someone said that university hospitals tend to agree to “Buy & Bill” more often and one of the doctors I was told to look into was at the University of Texas Southwestern in Dallas. When I finally scheduled I had to wait about a month until my appointment. I brought the partially filled out Start form with me and was prepared to start with no idea what the wait time was. I had heard people waiting anywhere from seven months to a year. I got assigned my Family Access Manager about two weeks later. He came out for a meeting and went over everything. Most of this I had already known from my tedious research. He told me that it was my job to be proactive. Implanting myself like a thorn in the side of the doctor's office I fought for speedy results and proved myself a worthy self-advocate. After a couple of months, I received one of those annoying insurance calls where a machine says something to the effect of “blah blah blah your request for a nonformulary prescription has been approved blah blah blah.” I was having a lot of insurance issues at the time, but the call eventually said “if you’d like to know the name of the prescription press 1″ and that is how I found out I was approved for Spinraza. There were still things to do before I could schedule. I had heard something called a Hammersmith test was required to be done by a PT to get approved, but I had been approved without it. Similarly, a CT scan was required to find an opening. The procedure is called a Lumbar Puncture. It is a process of injecting a needle between the vertebrae of the spine to pierce the neural foramen, withdraw 5cc of spinal fluid, and inject 5cc of Nusinersen, or Spinraza. Commonly people with SMA suffer from Scoliosis and require rods to be put in to straighten the spine. When this is done bone grafts are put in to help keep the spinal rods in place. This is a problem because the spaces between the vertebrae are covered by bone grafts leaving no way to directly access the neural foramen. There are multiple ways around this. They can go into the cervical spine (the neck), which is above the rods, but that can be dangerous as there are many important nerves and it is dangerously close to the Spinal cord. They can add a window. This means they perform surgery and cut a small square of bone out of the way. But, all surgeries have risks like infection or respiratory issues related to the chronic lung problems associated with SMA. Choosing the correct fix truly depends on the patient. While I called multiple times to schedule a CT scan, I was finally told that all of that would be handled the day of the first injection. The last thing to do was schedule my first procedure and prepare to make the long journey to Dallas. I don’t know what my results will be and I certainly won’t stop until I try. To be continued... Written 1/10-1/13

#spinraza #nusinersen #spinal rods #spinal muscular atrophy #sma #treatment #hope

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drmeganjohnson-blog · 5 years

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Overcoming Your Fears About Going to Therapy

Are you considering therapy but feel nervous about taking the plunge? Maybe you don’t know what to expect from therapy, or you are wondering if therapy can help you with whatever it is you are dealing with. Or maybe calling a stranger or meeting new people makes you shake in your boots. Whatever it is that causing you to take pause before starting therapy, know that your feelings are normal – of course you feel some anxiety about telling your innermost thoughts and feelings to a stranger! Here are some common fears that keep people from seeking therapy and what you can do to ease your fears about starting therapy.

“I don’t know what to expect.” The relationship between therapist and client is unique and unlike other relationships in our lives. We have different a framework in this relationship than we do in our families, friendships, romantic relationships, and business partnerships. If you have never been to therapy before, or if you have had an unpleasant experience in therapy previously, you may be wondering what to expect. A lot of anxiety is rooted in fear of the unknown so by increasing your knowledge, you will feel more at ease. The best place to start is to read the “what to expect” portion on my page. But maybe you have more specific questions such as, “What time do you offer appointments?” or “How much do you charge?” or “Where do I park?” Those are all great questions and can be answered during the free 15-minute phone consultations I offer. There is no such thing as a stupid question, so ask away!

“My therapist won’t understand me.” Many people worry that because their therapist is not in their shoes, they won’t be able to relate or help. For example, I once had a client tell me, “You don’t have children, so you cannot possibly help me work through my parenting anxiety.” She was partially right – I am not a mom. But I don’t help my clients based on my experience. I offer help to my clients based on my training and understanding of psychological principles that apply to all humans. Furthermore, therapy is more about the relationship that we create together in the room and less about my particular gender, age, marital status, ethnicity, religion, or any other feature that makes up my identity. Yes, those things are important and do influence who I am and how I interact with the world. But they are not the focus of your treatment. No matter who you select as your therapist, you will be different from them in some way because you are a unique individual. Embrace those differences and discuss them in order to develop a better understanding of who you are and how you view life. The best part about therapy is there is no topic that is off limits, so if you are concerned your therapist won’t understand some aspect of your identity, bring it up during your session.

“I’m worried my therapist will judge me.” Attending therapy and sharing your most intimate thoughts and feelings is a very vulnerable action, so it is only natural that you would have some hesitation about your therapist’s response. But know that your therapist is there to help you and support you. Day in and day out, your therapist works with people who have concerns and struggles, just like you. They know that you are human and don’t expect you to be perfect or having it all together. Your therapist has spent many years in school and clinical training learning about people and what makes them tick, so they are well acquainted with the fact that no one is perfect. In fact, they have probably previously sought or are currently in therapy themselves. All of these things mean that they get it. It may even be helpful to share with your therapist why you are nervous, so these issues can be addressed head on from the get-go.

“I can’t afford therapy.” Therapy is an investment in your well-being and your future, both of which are priceless. Many mental health issues and daily worries can cause long-term damage to our relationships, our physical health, and our emotional well-being. I like to think of therapy like preventative maintenance on a car. When you notice that check engine light go on, you take your car to the shop to see what is wrong and fix the problem. If you don’t, your car will keep running for the time being, but it could cause further and more expensive damage to your car down the road. Therapy is similar. If something is nagging at you or you have tried on your own to fix things and you still feel like your emotional check engine light is on, it might be time to seek therapy from a trained professional. And although therapy is not free, it does not have to be extremely expensive. My colleagues and I provide our clients a Super Bill at the end of each month, which can be submitted to your insurance for reimbursement. In the past, clients have had a lot of success in getting their therapy covered by their insurance using this method. Your employer may also offer means for covering the cost of your treatment. These concerns can certainly be discussed during our free 15-minute consultation prior to starting therapy.

Written by: Megan Johnson, PhD

#therapy #psychotherapy #mental disorder #anxiety

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that-jedi-no-one-knows-blog · 7 years

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Untitled 1

I don't know what to think to be honest. There is more to life. On one hand you have these friends and acquaintances who are moving on with there lives. Having kids buying houses. Being the kind of success I always thought I would be. Possible already met the person I wanted to spend the rest of my life with kind of situation. On the other side is a very gruesome and grotesque version of being a college student who really isn't a college student because somehow he found himself working the full time job that takes up all his time. He has ambition to do better and wanting to do better but only because in the his mindset if that success isn't recognized by other people why even do it all if not for yourself but before you were different. Right after high school you were doing the best you could for yourself which was really all not that bad. Now you're in this situation and you're think damn what the fuck am I doing really. Mind you. You've done some crazy shit before like fly all the way from Texas to North Carolina to be with this amazing girl that you thought you loved. You talked for about a month and a half before having this idiotically romantic idea to spend a week up there before Christmas. You thought you had it all. A plan with her. She breaks your heart the day of valentines basically saying it's all too real and long distance is working. You planned to marry this girl but it wasn't in the cards for you. You're life becomes a fucking wreck. College becomes a drag. You really don't give two flying fucks about it cause well right now you're avoiding everything and anything to think about her. Eventually you realize you destroyed your GPA. Now it's semester 2 and you're on probation still recovering when all this shit goes down at home. You blame home and work for being the reason why you can't focus in school but really you're still hurting about the girl from across the country you were willing to give it all too. Of course there been a a couple girls in between since then but nothing like her. You finally drop school go to work full time to get things rolling but it's not what you think. It's not what you want since it s a dead ass position and you hate dealing with retail. It's semester 4, you've attempted to go back but you've been such a lazy fuck up you didn't sign up for classes in time for financial aid to kick in. You're too lazy to even try to do payments then get the reimbursement so you wait till next time to signup. Guess what you dumbass you missed it again but you did your financial aid in time so props right. In this span of time from high school to my two and half years of attempting to adult in life. I have nothing to show for it. A couple of friends, send friend requests to people you don't know but they get your dick up so you try to DM. Some work, others don't. The job lets you meet women which really aren't looking for anything than to fuck which I learned the hard way. It's like GOD is taking me down the roughest path available to me but not to the point where I'm completely just not being able to save. You've become the very person you despise. Never thinking you'd tell a girl you want to be with her just to fuck in the a hotel for 8 hours straight only to tell her a day later it's not gonna work out. Now your watching Netflix movie that in someway relates to you. It makes you create a Tumblr to vent. In the end of it you're gonna re read this you because you owe it to yourself to fix all the things wrong with you. Make it better and eventually move on with your life to be successful. There is this girl next door and you've know her since you were little. She is absolutely beautiful in every way you could think possible. Dedicated, smart, complex and just so full of life. Enjoying every bit of it. She has a big heart. Watches grey's anatomy and the heart of Dixie. That in her big tshirt with ankle socks on lmao she is the girl you've wanted for such a long time but something always stopped you. That marine who broke her heart or the fact you were in a relationship. She has a brother you grew up with extremely close. You tell him how you feel. You tell him you want to go after her but you know you can't. Although he is giving you all the encouragement you could want. It'd be so awesome to be family and to really have that kind of dynamic. Kid next door falls in love with best friends sister. Then you realize how could you. In your heart you know she deserves someone so much better. That person who is doing something with their lives. The one her dad knows her little girl is gonna be taken care of and truly love, respect her for the person she is. She is graduating this year from UT. So I'm gonna do everything I can to give myself that chance to ask her out. Who knows if it works out but I owe it to myself to find out because the girl next door might be the girl I want to love for the rest of my life. So another crazy decision but it's one I promise I won't regret because in all honesty life's a bitch. It'll kick you down and then just nut punch you for the heck of it. May even take you a long time to realize what a screw up you've been but it is all for the best. God has a plan. Just go with it. Eventually you'll get where you want to be or who know maybe something even better. Keep moving forward. Do to. Try it. Don't make excuses. Fallout 4 can wait another day because that girl next door is now.

#don't wait #life #adulting #mistakes #love #games #2017 #2016 #2015 #2014 #home #college #goforit

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jqmwol6y-blog · 5 years

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My lawyer sent the wrong mrdical bills now insurance company will not pay?

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mrsteveecook · 6 years

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can I discipline a job candidate who no-showed, I’m getting reference fatigue, and more

It’s five answers to five questions. Here we go…

1. Can I discipline a candidate who didn’t show up to a job interview?

I went to send a Discipline Email Form to a candidate who hasn’t attended his interview even though we called him to choose interview time and then we sent a confirmation email including time and location. I was wondering if I can send him an email in which I can discipline him for not attending, which cost me time and money for reserving the location, and inform him that he has been blacklisted from our organization.

No, you absolutely cannot. You have no authority to discipline someone who doesn’t work for you. This would make you look incredibly odd, and would make him think that he dodged a bullet when he decided not to show up for the interview.

I’m also not sure what kind of discipline you’re proposing, since he doesn’t work for you! I think you mean some sort of write-up, but you have no disciplinary authority over him. You can certainly make a note not to consider any future applications from him, but that’s the extent of your power here.

This guy was rude. But what you’re proposing would make you look like the patron saint of out-of-touch, deranged employers. It would be the sort of story he tells people for years as an absurd experience, and rightly so.

Part of the deal with hiring is that occasionally someone will no show. That’s just how it goes, and while it’s annoying, you can’t be this rattled by it.

2. Is there a limit to how many references it’s reasonable to give for one person?

Is there a limit to the number of references it is reasonable to give for a person? One of my former direct reports is having trouble finding a job, and I’ve given at least a dozen references, either by phone or in writing, in the last four months since they left their (two-year, part-time) position here. I always try to tailor my comments to the position, so altogether the time investment is 45 minutes to an hour apiece. Can I gently suggest they try using other references? The cumulative time I’ve spent on this is starting to add up.

This is hard — because you don’t want to be an obstacle in their job search, but it does sound like you’ve invested a pretty significant amount of time already.

How much work history did this person have before you? If they’ve got a decent amount, I’d have less guilt about putting limits on it, particularly because they’re likely to have other managers who they should be able to lean on for help. But otherwise, if the person did good work, I’d try to keep helping as much as you can.

That said, having already invested this much time, you can definitely put limits on it if you need to! One possibility is to say, “I’m going to be especially busy for the next few months and may be harder to get ahold of, so I won’t be able to be as reliable of a reference as I have been — do you have other references you can use?” They might have other possible references who they’re not using, because they think you’d be marginally better or just because you’re the most recent or so forth, and a nudge like this might get them to put other people in the mix.

Also, writing references is far more time-consuming than phone calls are. You could say that you’re available for calls but other work is preventing you from investing the time that written references take. Or with written ones, you could do less tailoring — it’s great that you’ve been doing that, but you don’t have to continue it. For people who really want a written reference, you could have one pre-written reference (ideally something you’ve already written) and offer to do a phone call if they want additional information. Not everywhere will accept that; some places have rigid forms they want you to fill out. But you can push back and say “My schedule means I’d need to do that over the phone.”

I’m also curious about what’s going on that this person has gotten to the reference-checking stage (which is usually the finalist stage, although a couple of fields are weird about this and check them earlier) with 12 jobs in four months, but not gotten hired. That’s not yours to solve, but it’s a surprising thing.

3. Buzz cuts and professional dress

This is something I haven’t been able to get a good answer on. I’m in my early 20s and identify as non-binary, though I present as fairly feminine. I will be starting law school next fall. I currently work in a job that requires me to look “very professional,” but with the understanding that I am still a student, so there is some more flexibility in my dress (e.g., wearing fun colored pumps with my pencil skirt and a patterned button-down, with more conservative outfits on days that require it.) I think I’ve done a really good job of creating a wardrobe of professional clothing while also looking like someone in their early 20s, not someone dressing like they’re 55. I also have clothing that is much more conservative and traditional (black slacks, black blazer, pinstripe white button-down type clothing.)

I currently have my hair in a buzz cut. I’ve had it this way for almost two years now, and I rarely even think about it, though it is definitely unusual. No one has given me any flak for it yet, though I’ve seen some judgmental eyes from older people. Will this hairstyle, while much more common for feminine people than ever before, but still strange, hurt my ability to look and be perceived as professional in the legal field? If I dress very “traditionally” and conservatively (eg only black or navy suits and neutral tops) will that help counter the “strange” hair, or should I start growing it out? I’m in the Southwest, so not super progressive but not super conservative.

This is somewhat region-dependent. In many big coastal cities, it won’t be an issue at all. In the southeast … maybe more so. I can’t speak to the southwest personally (but I bet the comment section can), but my hunch is that you’ll be fine, especially if you’re dressing fairly conservatively. Buzz cuts just aren’t as unusual today as they used to be. That doesn’t mean that you won’t encounter the occasional person who has Opinions about your hair, but you shouldn’t let outliers be the determining factor.

4. Is there a point in your career where you should stop requesting expense reimbursement?

I work at a nonprofit with about 30 employees. I’m one of two chiefs who report to our CEO. Is there a point in a person’s career when they reach certain heights in the org chart, when they should stop requesting reimbursement for things like mileage?

The CEO reviews my requests and has always approved them without comment. I have no reason to believe she disapproves. But I do wonder about appearances and whether if at a certain point it’s expected that top executive staff don’t get reimbursed because such things are implicitly built into their salary (or otherwise). What do you think?

Not generally, no. Those are business expenses — expenses that you would not have incurred if it weren’t for your job — and it’s reasonable at all levels to expect the company to pay for them. (In fact, if anything, sometimes you’re able to expense more things as you become increasingly senior, because your employer may be more willing to pay for things to make your life easier.)

Occasionally you might find a company where it’s a cultural norm for senior executives not to submit for reimbursement for all expenses, but it’s not a general expectation across the board.

5. How can I get out of dressing up for Halloween at work?

I currently work at a good job with some pretty awesome people. Up until recently, I had also been looking forward to wearing a costume to work along with everyone else, but some recent stressful developments in my personal life have sapped me of any enthusiasm for dressing up.

I’m relatively decent friends with the person overseeing our Halloween, and I was wondering: what’s the best way to tell her that my heart really isn’t in it anymore? I have only agreed to dress up, not to provide anything or do anything beyond that. I don’t want to look like — or I want to at least minimize the appearance that — I’m isolating myself from the team, but I also don’t have the energy to dress up. Should I back out, or should I just power through and dress up anyway?

You don’t have to dress up. Frankly, the easiest/lowest-drama way to handle this might be not to make a big deal about it in advance and just … show up without a costume on Halloween. You can explain that you ended up having a bunch of things in your personal life that you needed to deal with, or that you weren’t feeling well enough to put something together, or so forth. But if your sense of your coworkers is that that’ll make it a bigger deal, then it’s fine to say something in advance like, “Hey, I’m probably going to skip a costume this year — too much other stuff going on and I’m just spent. Don’t take it personally!”

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i am looking for a car which will be cheap to insure. i am only a 17 year old girl, so i need to know what would be best and how much a month around about?""

New car financed through Honda Canada . I want to buy liability and life insurance .?

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Or is it a myth that it's based on where you live? I currently pay about $100 a month, I think.""

Are BMW's really expensive to repair/insure?

i wanted a bmw as a car, and my dad was going to get one, but then my uncle told him they're really expensive to repair/insure. ( i think he was just saying that because he couldnt afford it :/) but i feel like he is right because its a foreign car. so how much more would it cost to get a bmw than like a ford chevy or pontiac?""

Why is car insurance so high for a 30+ female with 10yrs ncd?

I'm just looking for a new/nearly new style Ford KA and looked at some insurance quotes and ive noticed that nothing comes in cheaper than 360. It's not what I'm driving as I've looked at smaller cars such as Peugeot 107's and Citroen C1's (both new and older cars). They all come out with nothing cheaper than 360! I had a brand new KA back in 2003 and that was only 260 for insurance (I do understand that insurance has gone up in 10 years!), but why cant I get anything cheaper? I'd see myself as a model driver as I've been driving for 11 years, never had an accident, never claimed on my insurance, never been booked or had any points and I'm now in the 'older' bracket! Please can someone explain, or reassure me that it's not just me this is happening to?""

""In NY, If one does not have health insurance and is in an accident, can he get coverage?""

No health insurance and there's an accident and now many medical bills, not long term and no permanent disabilities, but something that may accumulate to thousands of dollars in medical bills, is there any way that you can get (free) coverage through the Medicaid program or some other program?""

How much should a 16 year old pay for State Farm car Insurance for a year in Nevada?

My friend pays 200$ a month. And some with an older car pays 100$ each month.How do I know if I'm getting ripped off or not. My friends say I would get ripped off for paying 200$ ...show more

""How much do you think my car insurance will be, rough estimate?

im 21 years old. i have 2 speeding tickets on my record both of 11 over in the past year. i live in kansas and i am planning on buying a 1998 dodge viper gts with 490 torque 450 horse power. just curious if someone could give me an idea of what my insurance would be monthly.

Motorcycle Insurance for a 23 year old male?

Will my car insurance go up drastically when I buy a new car?

I am looking to buy a new Honda, Accord in a few months and I was wondering how much my insurance will go up seeing how I am 18. Someone said it would be $3000 more a year so please help!!!!""

Best Child insurance plan?

Which insurance plan should will be best for child , including study and marraige?""

""Whats the difference between limited, broad and regular collison deductibles with insurance?""

Whats the difference between limited, broad and regular collison deductibles with insurance? Trying to get an auto insurance quote, thanks""

Do i need insurance?

If my mom has geico insurance and im 15 and just got my permit do i need to be on her insurance. Insurance is requiered in oregon but i dont know if teens need it?

My car insurance rate is ridicules. why?

Im currently insured with Geico. I got my plan back last year when i had a beater car (2001 nissan maxima). My premium was only 260 or so for the whole year, whiche came out to 40 bucks or so a month. ive since bought a new car (2013 nissan versa) and switched it with my old car. my monthly payment only went up 4 or 5 bucks as a result. This rate is fricking great and i have no problems. however, when i go to refinance (for lack of a better word) my insurance or simply shop around, for some reason the quotes they give me skyrockets my payments to 260+ a month!! the same is for other insurance providers aswell, even the insurance offered by my bank! what gives? why the huge leap? i have a clean record (no accidents ever, last speeding ticket was 4+ years ago), what was at the time, a brand new car, aswell as a better job (was working in a restaurant, now at a lawfirm). Sure, ive moved since i first got the policy, into a poorer neighboor hood, but does it really warrant a 200 dollar increase? Someone please help me wrap my head around this. im 21 and am still pretty clueless when it comes to this sort of thing""

Amica car insurance........?

I heard this is the cheapest auto insurance out there and wanna ask what makes it so cheap and what do you need to qualify I want to insure my dodge stealth if that helps thanks in advance

Do you need car insurance if you only have your permit?

Do I need car insurance? I've only got my permit and I drive my parent's car. What about after I get my license? Do I still need insurance even though I drive my parents' car?

""What is the best, cheapest car insurance I can have for a 28 year old female?""

What is the best, cheapest car insurance I can have for a 28 year old female?""

Whats the cheapest motorcycle insurance for me?

Im 18 i live in upstate New York. its my first street bike. I ride motocross and i have a 450f (if that makes any differance) im looking to get a crotch rocket (gsxr 1000) I heard progressive is the cheapest. How much?

Can i get Health New England Insurance in other states?

I'm thinking about moving to Virginia to be with my boyfriend once I graduate but i was wondering about my heath insurance... I have Health New England from my father, do they only provide it in New England... since it is called 'Health New England' or would i still be able to have it when i went to Virginia??""

Is it cheaper to pay for car insurance for an entire year vs monthly or quarterly?

Also do you know about how much it would be a year? I am 20, I am not married, however I own a home (well have a mortgage) so I do have homeowners insurance and I was going to go to the same place I have that to get a discount. I have never had any tickets or accidents. I am looking for a new vehicle right now so the money I have saved for a down payment I would like to put some of it towards the insurance for a year and I am going to be paying payments on the vehicle so I have to get full coverage. If you have no idea then an estimate of what you pay would be nice too. I was on someone elses policy until now so I don't have a very good idea at all about the general cost of insurance. Also I am going to go with State Farm""

Is four wheel drive worth it for where I live concerning insurance costs?

I want a jeep cherokee as a first car and I cant decide between 4x4 and 2x4. My friend told me that four wheel drive will increace the car insurance. I already thought insurance was expensive, does anyone have any idea how much more this will increase insurance on average. Should I even get a 4x4? I'll be getting the car off craigslist so its not the cost of the vehicle that concerns me its all about the insurance. I live in florida so its not like ill be going through snow or anything i just thought it would be handy if I ever wanted to go off roading once or twice.""

How can you figure out how much insurance will cost before buying a car?

Home owner's discount on auto insurance?

how does my auto insurance company know if I own my home? do they just take my word for it?

Can someone drive my car if they have insurance but are not on my insurance?

I drive a car that is under my mom's name, and I am on my mom's insurance. My boyfriend has his own car and insurance under his name for his car. Could he still drive mine even though hes not on my mom's insurance (or listed as a driver)? I thought you could drive anyones car as long as you were under your own insurance?""

Who do I sue after a car accident the driver, the owner, or the insurance company?

https://www.linkedin.com/pulse/risk-applying-multiple-health-insurance-companies-larry-gilbert/"

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Palmer Illinois Cheap car insurance quotes zip 62556

"Palmer Illinois Cheap car insurance quotes zip 62556

Palmer Illinois Cheap car insurance quotes zip 62556

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I lived in Arizona last year and still am in the Tricare West system (out of Luke AFB), although I now live in Ohio. I hurt my ankle several weeks ago and still can't bend it certain ways, and am beginning to suspect a hairline fracture...if I go to the ER (nowhere near any military facilities, especially not with hospitals), and put down my insurance company, will Tricare pay for it (including poss. X-rays) even though I'm still in the Tricare West system? Or should I submit the papers to get a PCM in the North region? (No matter what, I'm assuming I don't need a referral from my PCM to go to the hospital/get X-rays, is this correct?)""

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My parents have geico... and they're charging me a crazzzy amount. I know I can go to another company and get insurance cheaper but im only 17. Is there an agency that insures 17 yr olds without their parents on the plan... or whatever its called. I have my own car and everything i just NEED new insurance. PLEASEE. ONLY SERIOUS ANSWER BY PEOPLE WHO KNOW WHAT THEY'RE TALKING ABOUT. thanksss guys!

Any car insurance agents out there? Or at least somebody who knows a lot about car insurance?

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Palmer Illinois Cheap car insurance quotes zip 62556

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hi, i just got into a collision and it was my fault. the damages were minimal i know i am a auto body man myself. the other vehicle will be needing a bumper and right headlight +paint material+work hours (hourly rates vary by shop 25.-35.). i know my insurance will go up due to this collision but, i was planning on fileing a claim on sandblast on my truck i live here in the desert side of california and the free ways here can sometimes be very bad. i had painted my truck at my own shop about 7 months back my truck came out clean but, now its just sad there is little sand pits all over the front end not to mention the sides. Even after being in this collision, will i still be coverd for a sandblast claim?""

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I was told today that there is a new law in GA that states that if you are under 25 (whether a full- time student or not), that you can stay under your parents insurance. Is this true? If so, when does it take effect?""

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I have read on comments under articles on Yahoo and someone said they are required to get the same health insurance but i can not find this on any news article.

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Im 17 and i live with my grandpa but i drive with his insurance. I changed the companies because of a rate increase and now they gave me a medical form for my grandpas doctor to sign that says hes ok to drive. I told the doctor i need him to sign it for me because i drive the car not my grandpa but he wont sign it what do i do i really need it. The doctor said my grandpa cant drive because hes 80 and he gets dizzy spells but i need it to drive asap

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My car insurance for me is almost $300 a month !! I have the chevy cruz ! Im 18 right now how long will it be till my rates go down a bit ??

What are some good life insurance companies in New York?

I am looking for a affordable monthly life insurance company for me and my wife, I have multiple scelerosis as a pre existing condition?""

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Hey everyone just looking for some good places to go for my motorcycle insurance. I live in california L.A, county more east. Anyways im 27 no tickets anything for the last couple of years. i know you cant tell me a price but i was looking for places that have good deals and customer services. im just looking for liability. 2007 kawaski zzr. thanks guys.""

Can DMV revoke my license if I don't have a car or car insurance?

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""Auto Insurance, im swtiching companies but im worried about lienholder. Help?

i have Capital One as my auto lienholder and as of right now allstate as my insurance. I was sent a letter by allstate that they are going to cancel my policy as of 12/17 for ...show more

Selling a car without insurance?

I'm selling my car but my insurance expired one year ago since I moved out of the state and left my car at my husband's mom's. Now I want to sell it so posted it online and somebody wanted to look at it, so I asked husband's mom to meet with the guy. Then she says she would let him look at the car but since the insurance has expired, she wouldn't let him drive. I mean who would buy a used car without test driving right? According to her, if the buyer got into accident, I would get sued or something like that. Is that correct? She tends to say things she doesn't really know but she likes talking about legal issues. Does anybody know if she is correct or not?""

""How much do i have to pay to cancel my auto insurance, if the vehicle is parked?""

My vehicle is currently parked and has parking insurance, this vehicle has been parked for over a week now, but i currently found some cheaper insurance and i would like to cancel my insurance, how much will it cost me to cancel it.""

What do i need to get a car registered at a california dmv?

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i know it varies, but can i get a range?""

Palmer Illinois Cheap car insurance quotes zip 62556

https://www.linkedin.com/pulse/homeowners-insurance-quotes-36605-andrew-solomon/"

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dangerouscrusadefire-blog · 6 years

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Provisional insurance to full licence insurance?

"Provisional insurance to full licence insurance?

I'm 18 years old and I am 2 (and abit) months away from taking my driving test. If I take out provisional car insurance can I change my insurance to full once I have passed my test? The reason why I want provisional insurance is because I heard it was cheaper, then once I pass my test I would only have to pay 10 months of full licence insurance, correct? But anyway how much it cost me to increase my premium from provisional to full licence insurance?

BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecost.xyz/index.html?src=tumblr

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Relatively, I am a new resident in the USA, I have been here for 18 months only, and I am trying to get a car insurance. The problem is the insurance companies give a huge discount for those who got licensed in the USA or Canada at age 16, but they do not consider other countries. For this reason I have to pay a ridiculous amount of money to get the state minimum requirements for auto insurance. In fact I have been licensed in my country since 1998.. I wonder what's the influence if I choose to answer yes when the insurance company agent asks me whether I got licensed at age 16 or not in the USA or Canada? Because technically I am already licensed at that age but not here!!""

Insurance agents - Life insurance commissions?

Hello everybody, I am hoping to find life insurance agents working with different companies. my question is what is the commission I can accept to receive from different publicly traded companies what offere not only auto, home and others but also life and disability?? I am currently working with Mutual Company and I am a captive agent and only receive 35-55% commission on any life insurance produce i sell and it seems like it was important for me before to work for a mutual company and never was conserned about low commission, but I am also getting invoved with Auto and home insurances and i am hearing that these public companies offer higher commission and let me tell you now days I want to get higher commission becuase the industry has slowed down for me and I am interested to make the most out of what I do right now... any information about commissions with different companies would be appreciated.... I am open to any advise, suggestion, information, and comments.... thank you all""

The cheapest life insurance policy?

I would like the cheapest life insurance policy but also the best possible premiums

Car insurance for student under 18?

i wanna know how much insurance cost in one month, if i'm an international student and i buy used car, my insurance isn't related to any one... thank you""

How much to insure a 2004 lincoln? g2 driver?

Im a new driver 21 male I just got my g2 today and I am looking to buy a 2004 lincoln LS v8 tomorrow how much should this cost monthly/yearly for me its going to be my first car and I want to mod it with a turbo charger will this increase my insurance thanks.

How much does an office visit to the doctor typically cost when you are pregnant without insurance?

""9 months owning phone with no insurance, but adding insurance now?

could I still get a replacement today after adding my insurance?

Do i need health insurance for an abortion?

just wondering, would a woman need health insurance for an abortion? if she has cash can she pay that way without insurance. (in the state of pennsylvania)""

Simple ques about Car insurance. Ive had my drivers licence?

For over ten yrs but have never had a car in my name. Also have never had my own car insurane. My driving record is spot clean no tickets violations nothing and im over 30. Would i still have to pay as much as a 21 yr old brand new driver for car insurance ?? am i looked at the same as them ??

Do you have to add your child to insurance if get a drivers license?

My kid just got his drivers license but cannot drive and wont be able to for 6 more months is it still required that I add him to the insurance right now or can i just add him to the insurance when he is able to drive?If i do not, does that mean that he will have to turn in his license or have it revoked?""

Does it cost more money to ad your spouse with your car insurance?

My wife keeps asking for my car. But I dont feel comfortable giving it to her becuase her name's not under my car insurance. How does it work if i want to ad her on? Do the insurance company charge you more money or is it still the same? If they do charge more money, do you know any insurance that's reasonable price? thank you""

What is the cheapest car insurer for a 23yr old guy?

Obviously in the UK, so please no irritating as hell Try Patriot Insurance based in Washington ... So far, Zurich appears to be the cheapest. But i'm guessing we can go lower. Im trying to insure a 1997 Fiesta, 1.2, 3 door with immobiliser. Only doing 1000 miles or less each year. I have been out of driving now for 5 years. Can anyone recommend a cheap-as-chips car insurer? - It's ridiculous how just third party costs more than the car itself. My best qoute is around 580 - for third party ONLY. - A p*ss take. Thanks for your help.""

Getting Car Insurance?

I'm getting married and because I'm moving to another state I'm having to switch from one insurance for my car to another. My question is this, how much up front money will it cost to get insurance for me and my wife? For example, will they need a deposit, or expect a certain number of months up front? Also if anyone could refer me to a good insurance company, I live in Alabama near Birmingham I 'm considering either state farm or alfa. Thanks!""

Provisional insurance to full licence insurance?

What is the best car on cheap car insuRANCE?

I AM LOOKING FOR A CHEAP INSURANCE I AM 18 JUST PASSED

Landlord tenants for kids insurance in california?

i rent my house to a daycare family. they purchase daycare insurance. however, lately they also start to do foster kid. i am curious if there is foster kid insurance that they need to purchase? i try to google, but i can't find any related information. any help will be appreciated. thanks""

Is affordable life insurance possible for someone over 70?

And from where can I get such insurance?

Health Insurance in California - Low Income?

I am on Unemployment Insurance, and need to see a doctor. Is there a State or County Medical benefits?""

Where ti find classic car insurance in CA?

i recently bought a 1966 plymouth valiant....it is definitely not fixed up or anything like that it is just your basic old car that is in need of some help...but it runs and drives and will be my daily driver...so i need to find insurance for it......but most insurance companies only go as old as 81 .....anyone know any classic car insurance companies for currently un-restored cars?

How much does car insurance cost?

Do you know how much does auto insurance cost if I am 24 years years old, just got my license, I am from New York City, I drive a 2001 Toyota Celica and I am not married. Where can I go to find out the best quote? What car insurance company is the best and cheapest? Thanks!""

Can you get a quote for car insurance before you pass your tests?

No insurance companies will give me a quote for car insurance so i was thinking that you may not be able to get a quote before you pass your test? someone help!!! PLEASE

Insurance question?

hello, i have a new car, but do i really need insurance on the car?? will i still be able to get the yellow tags on my license plate if i dont have insurance>? does my registration have anything to do with insurance>?? thanks alot for your answers""

Can my husband's employer to force him to pay for and enroll in company's insurance plan?

My husband received a letter from their corporate office stating that in 2014 all employees will have to enroll and pay premiums for health insurance on their plan and that if they ...show more

Will a wrecked car make my insurance go up?

i am looking at buying a car. carfax shows it was in an accident and only reported minor damage. will MY insurance go up if i'm driving a car that has been in an accident before?

Insurance.?

Does anyone Own a Mustang GT Bullitt and by any chance happen to know how much the insurance usually is?

Can i get a license without insurance.?

OK. I've got a lot of questions to ask. i'm 16, i live in North Carolina and i'm going to go get my license in about a week and a half. I was wondering do i need liability on myself or what because right now all i want is my license to drive my parents car and stuff, so would i need insurance for that? And also what kind of insurance and what would be the cheapest way to go. And when i check on the DMV website its unclear on what insurance and what they would accept and not accept. PLease help im extremely confused.""

Insurance is a scam?

Why would we need it to be a law? Insurance is in case something happens, well what if nothing ever happens, all that money goes straight into their pockets. If it's law, they should make a new law where, after a certain number of years that you never got in an accident you get your money back. The main reason a hit and run occurs is, jail, or they don't have insurance. You would solve half the problem! I read in the DMV booklet that you can show proof that you have $35,000 in an account, and you wouldn't have to pay insurance, does anybody do this?""

Does my degree affect my car insurance?

I'm looking at buying a Nissan Micra, and I've noticed whenever I enter my information and the websites ask my occupation I enter student and each website asks whether I study Medicine, Nursing or Teaching, and whether I study from home or live away. I am in fact a nursing student (mental health), living away, and I just wondered whether this makes my insurance more expensive or cheaper than someone doing a different degree such as History, Physics etc.""

""I am 16 years old, and someone hit me from the back, will my insurance go up?""

It was clearly his fault, but will my insurance premium go up since I am a new driver? I live in California.""

Teen Car Insurance Question. Desperate for answers?

Hi I am 17 and I am testing out quotes for insurance... my question is that... is it legally required for me to add collision coverage? comprehensive coverage? uninsured motorist bodily injury? Uninsured Motorist Property Damage? .. WHAT IS LEGALLY REQUIRED and what do I really not need to worry about? I am a girl therefore I am a safe driver hahaha... ANY ANSWERS WILL HELP.... THANKS!!!!

Where is the cheapest place to get motorcycle insurance?

I am 21 have a clean driving record and have a motorcycle permit. I got a quote of $30 a month that's with comprehensive with a deductible of $100. Is this probably as cheap as I can get?

What size engine should i get for cheap insurance?

It will be my first car, and i don't really want to be paying allot on insurance, but want a nice nippy little motor. So what size is cheap for insurance but not too small to be really really slow lol.""

How can I get cheaper insurance?

I'm 18 years old about to be 19. I paid 200 monthly for insurance but found out there raising my fee to over 500 bucks. I used progressive to find a quote and I got 400 from it. I got in one car crash last year. What are my options?

Does anyone know any good anad affordable insurance for first time drivers in the state of Florida.?

I'm 22 years old and I'm a first time driver, and I just got my car. I was wondering if anyone knew of any affordable auto insurance in the state of Florida, that wouldn't cost too much to put down, and the monthly payments low?""

Motorcycle insurance question?

I've never been involved in an accident before and I dropped my bike in a parking lot learning 12 o clock wheelies and did a bunch of damage to my bike, maybe even totaling it. What do I tell my insurance company happened? Because they obviously won't cover my bike if they knew I was doing wheelies. Do I just tell them I slipped on some loose gravel and the bike fell or what?""

Speeding ticket question on car insurance and notifications.?

Alright, so recently I recieved a speeding ticket out of my state while driving my friends car. I was wondering if this makes either his or my car insurance rates go up. Also, is there any way that our parents would be notified of this ticket? I heard a notification gets sent in the mail. Also, in the event that it does affect car insurance or a notification is sent in the mail, is there any way our parents would find out where the ticket took place? Thanks""

Emergency Roadside Assistance(ERA) in my auto insurance policy vs. or do I get AAA?

I was speaking with AAA about auto insurance and she advised me not to get ERA but to buy a AAA membership. Granted, I have to consider the fact that works for AAA, but she said that ERA is bad because if you use it, it counts as a claim and could affect your renewal price or if you switch providers they may use that to charge you more $. ERA costs me about $35/year and AAA is about $65 (although you did get more ). Any thoughts? Is here claim claim something valid? Thanks!""

""Are you still required to have car insurance, even tho you don't have a car anymore?""

I'm under my parents car insurance, I got rid of my car months ago. But they told me today that they're still paying for my car insurance, even tho I don't even drive anymore, not even my parents car. I live in NY, I take a taxi 100% of the time, so that's why I got rid of my car. But, am I still required to have car insurance? Seems like a major scam and BS to me, since I'm not even gonna be using it at all considering I don't have a car anymore. My parents said Hanover, the insurance, wants all licensed drivers in the household, to remain under the insurance, even my grandpa. And he hasn't owned a car for decades now. Don't know if I should even believe this.""

What is private health insurance?

can anyone give me a definition of private health insurance please? thankyou!

Provisional insurance to full licence insurance?

https://www.linkedin.com/pulse/cheap-classic-car-insurance-young-drivers-ethan-perry/"

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Santee California Cheap car insurance quotes zip 92072

"Santee California Cheap car insurance quotes zip 92072

Santee California Cheap car insurance quotes zip 92072

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Insurance quote for 2001 Chevy Impala LS with 114000 miles?

I am just curious how much insurance would be on my gf 2001 Impala with a 3.4 and 114000 miles on it. She has a clean driving record?

I cant find car insurance that will cover a learner driver and a passed driver for a month?

I am trying to pass my test as soon as possible but didn't have access to a car to do extra practice between lessons. So I have bought a car before I have passed so that I can go out practising with my mum. However I cant find any short cover (1 month) insurance which will insure us both, they seem to only do learner driver insurance which has to be bought on top of the normal insurance OR only insure drivers with a full license. However buying both together is over 300 for only 28 days for the ones I checked. Can anyone come up with an affordable way to practice in my own car? Thanks""

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I am currently with National Health paying $408 a month for I don't know what. I've been on this insurance by my parents since before I was 18 and I just can't afford it, plus it doesn't cover me for things I need most! I have tried filling out applications but since I was not responsible for my medical records before, I have no access to dates, doctors names prescriptions names, etc. to fill out the forms. I am looking for coverage that would include generic prescriptions & annual exams. Since I don't have access of my previous medical history, I'm looking to see if there is anyone that can help me with insurance WITHOUT that information from me. I'm not sure if this is true but I've heard that some people can just pull your medical records and and see what you qualify for, so if you or anyone knows anything about this I would really appreciate your input.""

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If I lend my car to my brother or sister, but I have car insurance, will they get a ticket when they drive? The car insurance covers the cost of the damage to the car, so does it matter who is driving it? What is the purpose of having someone as a secondary driver?""

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Can I afford the insurance for this car?

I'm 17. I may purchase a 2003 Chevy Cavalier Coupe after I get my g2 next week. I'm wondering what insurance will be like? I know there are many variables, but I'm looking for a ballpark figure. I make about $500-600 a month. Since my parents both own vehicles, I can't go under their insurance as an Ocassional Driver, forcing me to have my own insurance as opposed to being under my parents' name. I can't call for a quote because I dont have my g2 yet :P""

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Young drivers - What is your insurance?

Hey there! Im an 18 year old male , and to get insured on a 1999 1.0 GLS Vauxhall Corsa it will cost 3000+ a year! Am i doing something wrong , what kind of car should i look for? (that quote was from Gocompare.com). So yeah , young drivers what is your insurance , what is your car and insurance company? Thanks""

Santee California Cheap car insurance quotes zip 92072

I have three speeding tickets in the last 6 months will my rates sky rocket?

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How much will insurance cost for a BMW z3?

I'm 16 years old but will be 17 next month. So lets say Im 17 for now. Im looking to buy a BMW z3 because they are pretty cheap and really nice cars. I maintain a 3.0 GPA and have a clean record and live in Southern California. Anyone have an estimate on how much insurance will be?

How much money does car insurance go up per year after an accident that is your own fault?

My wife and I just had an accident in a parking lot in which we backed into another car that had almost completely backed out already. No one was hurt, but the damage caused by our car is between $1,000 and $1,500. We will not have the damage to our car repaired. This accident is our fault; however, both of us have had a completely perfect driving record up until now. We just want to know how much this accident is going to make our insurance go up.""

How much should we ask the insurance company for when settling a car accident claim?

My boyfriend was recently in an accident. His chiropractor told him that when settling his claim, he should ask for three times the amount of all his total expenses. My aunt was also told the same thing by her doctor. I was wondering if anyone knew if this was a law or something?""

How would car insurance companies benefit if the driving age was raised to 18?

And would insurance cost less? please show sources if you can

Car Insurance Calculator?

Im looking for a car insurance calculator so i can see how much this car would cost to insure should i end up getting it. Im only 17 so calling a car insurance company i would rather stay away from and idk what company my parents are even with But is there a calculator that doesnt require a ton of steps and just lets me put in what car i have and some basic questions about stuff that affects a 17 year old. Calculators i have been looking at ask for like house payments and monthly income ect and im 17. I dont have any of that. So any good and easy calculators to see if this car is too expensive to buy?

Motorbike cheaper than car insurance?

Is motorbike insurance for learer motorcycle 125cc, significantly cheaper than car insurance for a small city car, for a young man?""

Health insurance in florida?

if you dont have a job yet and have children how do u get health insurance in florida and if you had a c section and a premature baby why would an insurance company deny you insurance also if your child is underweight because of being premature why would their insurance be ridiculously high each month?

Do I need a permanent address to get car insurance and register my car?

I live in california right now with my parents but I plan on traveling the country for a while living in my car. My insurance will be expired in march of 09 and I need to be smogged around then too. I wanted to leave mid december of this year and get out in the midwest/east for the next few years and just keep traveling. Can I just use a PO box address?? I dont want to use my parents address because they like to go through my mail. All of my friends are leaving to university in differnt states so I cant really rely on any of their addresses.

Which are the cheapest car to insurance in Canada?

Hello: Planing to buy a car, but I will considered a car that is cheaper to insure, any suggestion? Thank you in advanced""

Why is my insurance quote so big ?

I am UK resident from 2009. I got my drivers license 6 months ago. It's from Latvia, which is in EU. Now when I search for car insurance, the cheapest one is 5,000 GBP. Should I change it to UK license, will it reduce the price ?""

How much is driving insurance a month for a 17 year old new driver?

I just got my license today, im 17 and hae a 2.8 gpa, and am wondering roughly how much my insurance can be? any recommendations? cheapest insurance? I think i can get USAA if that helps? My grandpa is a vet.""

""If I finance a new car, how much insurance do I buy?""

I know it will have full coverage, but how much? I'm trying to get an accurate quote through geico to see if I can afford it before buying the car.""

(UK) What does group 5 mean for car insurance?

My boyfriend is looking for a new car, he found a nice rover something or other and he wants to know how much insurance will cost he searched on the internet and found the exact car he had viewed the day before and it said insurance group 5 can anyone shed some light on what this means Thank you Oh and does anyone know how big of a job it would be if the head gasket is blown? (the head gasket hasn't blown but rumours are rovers are prone to blown head gaskets and i was wondering how big of a job it would be to fix) Thanks""

If there was affordable health insurance would there be early retirements and jobs for the youth?

""In the state of arkansas, is there any state programs to provide free or affordable health insurance?

i am a 36 yr old male returning to college full-time. i have two dependent children who recive arkids(medicaid). i have no health insurance currently and am not working currently

""How much is Insurance on Fireworks up to $2,000,000.00 in Maine?""

Thinking about opening up a Fireworks shop and want to know how much I'm looking at a year for insurance need a policy with the min $2,000,000.00.""

Who has the cheapest full coverage insurance in ca?

Adding 18 year old non-owner to car insurance.?

I am now 18 years old but have not yet gotten my driver's license because of the rate increase before I turned 18. I have had my learner's permit for 3 years and have a perfect driving record (no tickets or accidents). I do not own a car right now. So, I need to know if A) I need to be added to my parent's policy in order to drive their car once I get my license, and B) if so, how much more will the insurance be? I live in Florida.""

Car insurances for a day help?

I just need to drive my car to my new apartment.Right now i don't have car insurances. Is there any way i can get car insurances just for a day. I live in new jersey. I know i can get a car insurances quote but i don't have enough money right now I just need to move it

""My husband and I are looking for life insurance but dont know the diffrence in term life, accidental and whole?

My husband is only 24 but was just diagnosed with Hep C.

Is This Right? (Retinal Detachment/Cataract/Lens/Insur... Question)?

Let me make a very long story short and get right to the questions. I have moved across the United States by myself at the age of 20 with no insurance covered by my parents, nor will they ever if they could. I had a retinal detachment in my left eye. Paid out of pocket for an eye doctor appointment, he freaked out and told me to go straight to the emergency room for emergency surgery since my entire retina was detached. After my surgery, half unconscious too, a social worker got assigned to me because I was under 21 and legally dependent on the state. So the state paid for my surgery. I had a 2nd one too because the first failed. During my 2nd surgery I had cataracts in my eye so they removed the natural lens. And they never replaced the natural lens since they feared the retina may detach again like the first time. But it stay together and I turned 21. So therefore, legally independent by the state. My check up appointment was after my birthday which the front desk of the eye section declared I must pay $80 for every check up visit, which they wanted me to come in every other week. And if I did not pay, I could not go in. Due to my 6 months of surgeries and recover time I had no money, and was not working. I live with my in-laws, and they were taking care of me, but they are certainly not going to pay my medical bills. So here I am now, age 22 and I have been working for about a year. My job does not offer health insurance until you worked for a year, and even then, there is a certain month you can sign up. I have been walking around for over a year without a natural lens, or ANY lens in my left eye. This is in no way like being blind. My doctor had told me that if I got my license and drove, if ever in an accident, I would get in serious trouble because you are not supposed to drive this way. Not that I do, I cannot see correctly so it is wicked dangerous. Having no lens in one eyes messes with your other eye. Hard to explain unless you have literally had this situation before. Sunlight glares into my bad eye, then into my good eye. Same with darkness or bright lights in general. I am actually very blind at night because of this. This is literally ruining my life. I have no money to pay for insurance, or the surgery which can be easily be 10,000 dollars. Is this legal for a county hospital to do? I have never heard of anyone in my situation. Even the thousands of times I have googled and searched. Never heard of anyone in my shoes. What are my rights here? Is there some way I can fight this? Where is my justice? This is holding me back so badly in life. Please someone with real help and not a crappy site they copy and pasted, help! I need some real human help!!""

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I got a ticket a few months ago, and I got one today. Both were oddly enough 21 mph over the limit. I have not noticed a rate increase yet, and I was wondering what others have gone through.""

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Santee California Cheap car insurance quotes zip 92072

Can you file an car accident insurance claim without a police report?

this is re: a very minor accident. our car bumped into the other car after they slammed on their breaks. No damage at all to our car. The license plate and screws are bent on the other car. Other person uncooperative and after we gave our insurance info to them, refused to give info to us. Police on scene did not file report, told us to just deal with it on our own. My worry is, can they file a claim? wouldn't it be just our word against theirs? advice would be helpful thanks.""

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do i need to bring a vehicle with full coverage insurance or could my car that only has a cheap insurance plan work for the DMV's driving test

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I am having a LOT of difficulty finding Mobile Home insurance in Florida (nobody will insure us at a reasonable rate due to hurricanes). They are brand new Mobile Homes.... Original Premium was $1138.00 a year. We are having issues with this company & are getting quotes well over $2,000 now! That is a HUGE difference! Does anybody else know where else we can get insurance???""

Hardtop convertible increase my car insurance?

I know your car insurance increase with a convertible, but will it also increase as much with a hardtop convertible? I was thinking of getting the VW Eos, does anyone have one? Is it a good car? The other car I have been looking at is the Ford Edge but everyone tells me Ford vehicles don't whole their value? What you think I should get?""

Would insurance on a 95 Mustang GT be extremely high?

What is the difference between Insurance Brokers and Insurance Agents?

What is the difference between insurance brokers and insurance agents?

How can i get cheaper car insurance?

Ok so i'll be 17 soon and i sooooo want to drive. I found a nice car, a peugeot 307 five door 1.6 car for 2700, insurance group 4. it's a great looking car, but when i filled in details on gocompare, tescocompare etc for insurance it came up as at least 15,000 for fully comp. other cars are similar prices. i put a fake birthday in so i was 17 on the system. How can i MASSIVELY reduce the cost? i dont want tips that might save 100 or 200 pounds, but something more reasonable!!! Also im a very sensible person and will be a good safe driver not a boy racer lol!""

How is affordable calculated in obama care?

How is affordable calculated in Obama care? I have tried to find the criteria of what is considered affordable in Obama Care but haven't found it. How is it calculated? Who determines what is affordable? I think $1/ month is affordable. I'm sure the government and the health insurance company's say it's more.

17 year old...bike or car?

right i turn 17 next month and was wondering what are the exact procedures into gettin a 125cc derbi gpr...how much insurance would cost...and where can i get cheap insurance...or should i just not get a bike full stop...and if i was to not get a bike...would i jus be able to insure myself on my mums car and use that whenever i like? thanks you sooo much.

Does anyone know which agency has the cheapest car insurance for liability?

Approx price for car insurance for 16 yr old?

Hey, I'm about to get my license and promotion for my current part time job, and i'm wondering if anyone know what how much would i have to pay for my car insurance, current car im planning to drive is a Nissan Maxima year 2000, I got my permit March 2007, but was too lazy to get my license, getting my license around next month...""

Anyone have good materninty insurance?

HELP... Any advice on good maternity insurance that isn't sooo expensive!!!

Can i drive without insurance?

I just got my license today I'm 16 i live in florida. my parents haven't bought my insurance yet and they say its illegal to drive without insurance. can i drive without insurance if i have my license and I'm dirving my parents car?

What liability would you have if you let someone else use your address to obtain cheaper car insurance?

I know it is morally wrong but the situation is not what it appears. I let this relative use my address before in order to hide from a former abusive spouse. Now that scenario is not the issue and for a long time I was only receiving junk mailings for her. But once or twice this year I received something from a car insurance co. I could not open it but it looked like a bill. She lives in an area notorious for sky high insurance rates. Can I get into trouble, or is she the only one committing fraud? I don't want to get in trouble for her but I do feel bad because she doesn't make much money.""

What is the best insurance for a teen?

i need car insurance and health insurance but still not sure which is better. If this helps i just graduated and live in arizona and have a yukon

How much will 2 points effect my car insurance?

I am 17 years old. I live in New Jersey, got my license 6 months ago. I was driving through Maryland and I got a speeding citation worth two points. My parents do not know about the speeding ticket, but I already paid it. How much will it effect my Geico car insurance rates? Also, I just received the advisory notice in the mail today, called the MVC and they just said it was pretty much a piece of paper saying I got a ticket....""

Where to find cheap car insurances and allows for monthly payment?

Where to find cheap car insurances and allows for monthly payment? I'm seeking for a real cheap car insurances that allows me to go for monthly payment. any one out there who has any answer, pls reoky to me asap, its really Urgent. thanks, guys...""

Buying a Toyota - price and insurance advice please?!?

I am going to pick up my new car today IF this is a good deal. Its a black 2008 Toyota Corolla S. I am buying it, its a 72 month pay schedule of $387 a month. Insurance for it and our 2002 Santa Fe (both full coverage) is $157 a month. Do these prices sound about right? I want to know if I'm getting a good deal. Also, do new cars need to be maintinenced every 5,000 miles? Someone said that on another question of mine and I was wondering if thats true. I want to know anything that is vital to purchasing a new car. We dont have great credit... both our scores are around 600. We are paying for the gap insurance and all that other good stuff. Oh and we're not trading a car - this is just straight up - no money down - our interest rate is 14%..... Thanks to answers""

Insurance after 1st DUI?

I recently received my first and last dui. I currently have USAA and pay about 60 a month for coverage. I am 31 years old and have a clean driving record. I had a tint violation when I moved to another state.There was no accident involved with the dui. Will USAA drop me? I do know I will need SR22 once my work permit gets approved.

Teenage car insurance?

Well im 15, gonna be 16 in 2 weeks and Im about to get a car. How much will the insurance be? I live in Arizona, have straight A's and am a girl and the insurance im gonna have has benefits if you have good grades and its cheaper if you're a girl too. So I would like an idea of how much it would cost monthly? The car would be a 1990 toyota camry 4-cylinder""

""Can someone give me an idea of how much car insurance is for a mazda 6, 2006 honda civic sedan, or coupe?""

I'm getting my car soon, but i don't want make a decision until i get an idea of how much the insurance on these cars are. Thanks!""

Cheap car insurance for newly leased cars?

I am looking to start my own insurance with out my parents, I already consulted and figured out that I am about to lease a 2010 Honda Civic DX coupe. I am looking for the most reasonably cheap plan, any advice?""

Santee California Cheap car insurance quotes zip 92072

https://www.linkedin.com/pulse/home-insurance-quotes-price-nathan-stone/"

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batchaoticcollectionnight-blog · 6 years

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Car insurance?

"Car insurance?

Has anyone else had trouble with claiming on there car insurance.Joyriders crashed into the side of my car which was parked up outside my house.They ran off put police arrested them.Im having to pay 150 excess and lose 2 years no claims bonus.I don't see why i should lose out because those idiots were'nt insured.Has this happened to anyone else if so what was your outcome?

BEST ANSWER: Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr

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I am renting an economy car for one day through enterprise. Any idea what the average cost of rental insurance they offer is? I'll be calling them later on. Just wondering ahead of time what I should expect to pay, on average. Thanks""

Does accident report effect my insurance?

someone hit my car and today we are going to make that accident report so does it effect my insurance?

How Much Would Insurance Cost For A 16 Year Old Female?

I was wondering how much insurance would be for a 16 year old female first time driver, who is driving a 2007 Range Rover.""

Can you please give me the advice on cheap car insurance in MA?

I am buying a car this week with the Indian Licence and would like to get the advice on cheap insurace I can get in MA. I came here recently and in the process of getting MA licence and will drive the car with Indian Licence and International Driving Permit.

Car insurance?

Question for someone who is familiar with car insurance companies?

I had a wreck and I have full coverage with car rental included for 30 days (20 dollars a day) if I don't use the car rental, do I get a check for the amount that I didn't use...I have Allstate...my daughter had a wreck a year ago and she received a separate check for the total of the car rental expense she didn't use, but that was with farmer's insurance...If I'm paying for collision and car rental on my premium and the insurance doesn't pay the car rental place, shouldn't they pay me?""

Whats cheaper honda or toyota insurance?

honda civic or toyota corolla

I need help health insurance help???

ok so i went to the doctor and found out i was pregnant. i live in california and have no health insurance. they gave me temperary medi cal for 30 days and i have to go apply at the cal works office. well i went and they told me i couldnt apply on my own im 19 that since i live with my mom she has to go in. she works alot though and its kinda harg for her to go. so is there any other way i can do it like online and mail in an application?? or do u guys know of any insurance i can get on my own??? please help??

Cheaper insurance? bmw 3 series or volkswagen jetta?

What would be cheaper on insurance? A 2002-4 Volkswagen Jetta gli or gls (manual v6 around 200 horse). Or a 1999-2002 BMW 3 series? (also v6, manual, and around the same horsepower). Both would be sedans. Im a 18 year old student with a perfectly clean driving record. What would be cheaper? Why? how much cheaper?""

What is the cheapest car insurance company to go with at 16. could someone give me a estimate?

my car is a 2000 Pontiac grand prix. all i need is state minimum.i live in ohio

Getting a quote on a 67 mustang cobra?

i can't seem to find anything on the internet about getting a free quote on this car. i'm wanting to get a 67 mustang cobra with a 302 engine. i have no idea how much my insurance is going to rise up on it. which is why my father doesn't want to buy it. -.- does anyone know how much this would make my insurance go up? no, i'm not asking for a direct quote, i'm asking for an approximate raise. an example such as: This raises your insurance by approximately $200""

Where can I get the best deal for auto insurance?

Currently my wife and I get our insurance through SafeCo. We're both in out mid-30s and have great driving records (mine is perfect). We're paying $188/month ('07 Pilot, '00 Tundra). Any recommendations on where we can get a better rate?""

Why does your motorcycle insurance ask whether you're married or single?

Why would this affect your insurance cost?

How does a speeding ticket affect insurance costs?

My parents own the car that I drive and cover insurance fees (I pay for gas/oil/maintenance). I got a speeding ticket today for $156 for going 52 in a 35 zone (if that price is legitimate and fair in CT, I'm not sure), but I'm curious as to how that will affect insurance costs? Anyone with knowledge in the area, your responses are much appreciated.""

Low cost liability car insurance in Conroe tx?

What are some places, How many people do you have on your liability insurance and how much do you pay and who do you have? I have two people and atm using AIG. they are going to up my bill over 65 a month. Wondering if anyone else is getting better?""

Insurance Quote for teenage driver?

Can you give me an estimated insurance rate based on the following - 18years old college student with 2 years foreign driving experience, one week old US drivers license - Never involved in any accidents - Toyota RAV 4 2009 4WD""

""A life insurance company sells a $250,000 1-year term life insurance policy to a 20-year-old female?""

for $200. According to the National Vital Statistics Report. 56(9), the probability that the female survives the year is 0.999544. Compute and interpret the expected value of this policy to the insurance company - I also have to find the probability that the company has to pay the female Im suppose to get .000456 but don't know how to get this?""

How to check a car has insurance or not?

All the information I know: car plate number, vehicle identification number and a expired Progressive insurance policy number. Can I still check my car current insurance online?""

""I want a 2005 mustang for my fist car, how much would the insurance be ($prices?) I have state farm insurance?""

I really want a 2005 Ford Mustang (NOT a GT) for my fist car. Please give prices of how much the insurance would be if I had state farm insurance. Thank You, and please give me good prices so my dad will get me a mustang!!!""

Increase in car insurance after DUI?

Recently my friend received a DUI charge in the state of New Jersey, and is waiting for his court date. He is 19, so I assume this case as an underage DUI. He is worried about ...show more""

""I'm 57, am learning to drive a car, will need the best and cheapest car insurance, how will I know which is re""

i just want to be able to drive my car, and know there is help there for me, when and if I ever need it, without all the hassles of being stranded. Am in the process of checking out AAMI, RACT. Comprehensive for a first off driver is about $859 a year!! would i be better to Join RACT emergency on road assistance AS WELL AS taking out fire and theft third party insurance separately? I will be about the only driver, with a friend or two......is this the best cover for me? Say...for 1,2 years until I build up a reliable record? enough then to qualify for cheaper comrehensive insurance car cover?""

How much does storage unit insurance cost?

I'm sure there are a billion variables but I'm just trying to get a loose ballpark figure. I'm renting a 5x5 climate controlled unit in one state but I live in another. I'm storing ~$5000 worth of stuff--black forest clocks my parents brought back from Germany in the late 40s/early 50s; figurines, etc., most more sentimental than material value. The unit itself is a name-brand secure facility in a decent neighborhood with gated access. I figure I'll have the unit about 6 months. Like I said, I'm just trying to get a rough idea, not an etched in stone quote. Any ideas are greatly appreciated. sbf""

Will getting a speeding ticket increase my insurance rates?

I am 17 with my G2 on my parents State Farm Insurance Policy, but will be taken off in 5 months when I move out to university. I got a speeding ticket (65 in a 50) and no points with it...will they find out if I just mail the check myself?""

How to go about getting car insurance?

I live in California and I am moving to Texas in June. Im 23 and I dont have a car currently but I will buy one when I move to Texas. I dont know how to go about getting car insurance, though. What is the process of getting car insurance? When should I get it? Before I buy the car? How do I get it (or where do I go)? Do I need to give the insurance companies any documents to get the car insurance? What do you recommend that I do right now? Thanks.""

If i cancel my car insurance will the rate later go up?

If I cancel my current monthly car insurance plan for my car, will getting a new play later down the line increase its premiums? i am wondering a few months down the line, or other time frames. i will not drive my car after this cancellation. currently my annual insurance is around $5,600.00 I am 24, male, live in toronto.""

How much time do I have to get another's insurance to pay for my medical bills?

If I was a pedestrian hit by a car and was injured, taken to the hospital, how long do I have before I can claim my medical bills on someone else's insurance since it was their fault?""

I was woundering what do you think is the cheapest auto insurance for first time liscence holders.?

""Health Insurance, Texas?""

OK I'm 20 and have a part-time job, I don't have health insurance and don't know much about it. Anyway I mainly doing it to see a docter, to see if I have any problems like adhd, bipolar or whatever, which I THINK I may have. Anyway whats a good/affordable plan if thats all I want to do? Maybe something that will cover prescription drugs, if needed.""

Selling a car but keeping insurance?

my question is, i have a car at the moment with 2 years no claims bonus.. (i should have 3 years in july) but i am selling my car this week to a mate. they said if i cancel my insurance policy i will only have 2 years no claims can i still sell the car to someone else and just keep the insurance running for it without saying so i'l have 3 years by july or do u have to cancel it once sold, the guy im selling it hasnt actually passed his tes so prob wont even be insuring it for a while and when he does he said hes gonna put the car on his girlfriends insurance""

Why do we have to have car insurance in the UK?

Why cant you chose whether you have insurance or not?

Car insurance?

Good first car? insurance?

ok well i wanted an eclipse but they are classified as a sports car so im wondering about the dodge neon not the srt 4 just a normal neon, like are those considered sports cars? im looking for an 04 or newer because im gonna buy my first car sometime and i dont want insurance through the roof so if you can tell me i would appreciate it""

Whats the best and affordable health plan to get?

I have never gotten health insurance my whole life and for once in my life I am getting it for myself. I want to go see a dermatologist, and its way too expensive to pay out of pocket, whats a good and affordable health plan should I get? Got any suggestion to where I can go and get some help? Anything will be great, thanks!!!!""

""How much will insurance be on a bmw 5 series 3 litre 17 year old, SECOND DRIVER!?""

im looking on how much it would be for my father to make me his second driver so I could also drive his car, it is a bmw 5 series 3 litre, im 17 year olds I have only just passed my test, please no stupid remarks/commentx""

How do I find health insurance if I have been told we are uninsurable?

I am asking this question for my m-in-law. Retired early, had extensive back surgery, f-in-law has diabetes and possible heart issues. Going to be coming off of COBRA in California, and are looking for health insurance. Aren't there health insurances like Medicaid/Care that cover hard to insure people that are in > 50yr age group?? What if they change their residency from Calif. to Texas?? Does it matter??""

SERIOUS! Car insurance HELP!?

Ok, First things first please keep your ignorant opinions to yourself, i got a question most importantly im not an exception i am just asking a honest question others seem to fail. age:16 state:PA, MALE now not like other kids who think they want to go fast and stuff, fast and furious, ridiculous things i was researching cars like that, that happened to be non Lame to them but i need something for economy with todays gas prices, i am saving up a sum of money and wish to get a part time job so i can afford the car as well as insurance! i took interest in a 1990 s FORD MUSTANG I-4 take notice this is a 4 cylinder not a v6 or v8 i need honest opinions on insurance i dont think it will not be as astronomical as a GT take notice this is a LX 4 cylinder i need help opinions quotes.""

Cheap car insurance for young drivers?

I'm turning 17 in a few weeks and plan to start taking driving lessons. My parents are looking into cars for me, they are only prepared to pay 1000 for my first car, but it's the insurance that is so expensive. There are a few cars that I have seen that I like, but any quote I try and get for them is at least 2,500! Are there any companies that do cheaper car insurance for young drivers or any ways that I could make the insurance cheaper? Also, i've heard that getting the insurance in one of my parents names then only being a named driver on the policy is cheaper, but when I have looked it doesn't seem to make much difference? Thank you!""

Learner car insurance?

I will be supervising a learner with a provisional licence, i have been driving for more then 5yrs and hold a full Uk license.. Do i have to have the car insurance in the learners name too?""

Health Care/Insurance...Right or Responsibility?

I see many on both sides have their own opinion on this issue. Many on the right claim it's a 'responsibility' while several on the left think it should be a 'right'. Why do you ...show more

Insurance wants to total my car?

So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. The insurance guy came and just got a call back saying that they want to total my car and pay for it. The car is a black 2002 jetta 1.8 turbo from a small local dealer and has 140,000 miles. Im currently still paying it off and the car cost me $6000. Here is my concern, they haven't told me how much they plan to give me for my jetta but i went on craigslist and the average cost for a 2002 jetta 1.8t is around what i paid from $5000-$6000, will the insurance give me that amount because bluebook says my car is worth at most around $3400 in excelent condition and at retail value according to bluebook is around $4500. All I'm concern with is either my car is restore to the point before the accident or if they get me enough money to buy a new jetta of equal or greater quality. Restoring my car car i guess is not and option which I'm ok with but what if the amount they give me is not enough to go buy a new jetta from a small local dealer will they give me more money or how does this whole process work because I've never been in this situation.""

Insurance to volunteer at a clinic?

I was just offered an unpaid internship -type program through a veterinary clinic next to my university. I won't be getting paid and it will not help me with any credits, but it will provide me invaluable experience to get into vet school. However, they're requiring I get volunteer insurance (because it involves work with live animals) since I am an unpaid employee and will not be covered under them. How do I go about getting this? Thanks!""

Which auto insurance is the cheapest? HELP PLEASE?

I'm 16 years old and I want insurance on my moms car. What is the cheapest company to have? help please! I really want to drive and moneys a big problem in my family.

Cheap cars to insure?

What are some cheap cars to insure?

What is the average cost for insurance?

I am 18 Years old, and I know it seems to be more expensive when your younger. But if someone could help me out if you know the insurance cost per month with just state minimum coverage. and maybe some companies I could check out??""

""How much does a lower back x-ray cost with no insurance in Houston,TX?

I have shattered my tail-bone or something and I can't sit down for more than 5 minutes but I don't know if I can afford it.

USA - healthcare for the uninsured?

Is it true that if you get sick in the US and don't have insurance the staff @ the hospitals are not obliged to treat you? What if you got run-over for example? Or rescued from a housefire and were covered in burns?

Where can I find the cheapest insurance for young drivers?

I am looking for the cheapest insurance for young drivers in United Kingdom. I am 18 years old and I am planning to buy a car. I have been looking for an insurance for Golf Mk 4 1.9 TDi which costs up to 3000 but the cheapest insurance I could find was also over 3000 up to 5000. Tell me the cheapest you know, please.""

Lapse in health insurance?

My husband is about to have a lapse in health insurance, for about 4 months? Reasons being, because I am pregnant, and no insurance company will cover an expectant father. We will be getting him covered once the baby comes. What are the reprecussions for having a lapse in health insurance? He has no pre-existing conditions and is very healthy.""

How can I get car insurance?

Let me give some more information. I'm 20 years old, female, live in NJ and need to buy my own car and insurance soon. I've never had my own policy before and I was wondering how I would go about getting one. Also, what are some companies to use? Thanks!""

Insurance for my business?

I run a small local business that is a Pet Waste Removal service. My question has to do with insurance. I don't know much about insurance and I'm pretty lost right now. I'm the only employee. I go to someones house and scoop their pets poop. Do i need insurance for this business and if so what kind and why? How about being Bonded? Thanks I appreciate your help..

Motorcycle insurance?

Im a 20 soon to be 21 year old male who lives in the lower half of Michigan. I was wondering if any one knows about the cheapest or the best coverage and how much will that run me? I am about to buy a Honda CBR 600 if that makes any difference. Anyone with insurance experience any and all information will be greatly accepted also information on registration!!!! THANKS

Insurance help for teenagers?

I just got my license today and my parents were wondering if i still had insurance coverage or not? We have Grange insurance idk if that makes a difference or not. Help please!=]

Car accident insurance help needed?

My partner was involved in a car accident the other day, the young lad got out of his car and said that he'd rather pay for the damage in cash rather than go through his ...show more""

Why is homeowners insurance so high?

Been paying on my house for over 20 years.Never missed a payment.Always pay my taxes on time.Always carry insurance.Raised 3 children on my own.Always worked.Didnt collect food stamps or state insurance.Payed back anything I borrowed.Could not afford higher education.Was paying to raise my children.Husband left when kids were young.Owes me over 70000 in child support.Never covered one cent of their medical bills.Their all in late 20s and early 30s now.I guess all that doesn't really matter except for the fact that because I was too proud to suck off the taxpayers I worked.I made my bed and I slept in it. .But now im being penalized again.Insurance rates based on many things like your education.So,because I am stupidier than the average driver I will probably get in more accidents.How but this?Im over 50.No accidents No tickets.Always drive older vechicles so its not possible to speed even if I wanted to.I always thought my car insurance would go down after 50.In a few years they'll be jacking it higher because im too old.When does it stop?Okay.So back to the house insurance.If they refuse me house insurance Ill lose my house.All the money in interest and principal ive payed over the years will be in vane.The banks and mortgage companies will keep all the money ive worked for and take the house too.Homeless .Wont beable to work wont beable to pay taxes.will probably freeze to death and die..All because the sharks that call themselves insurance executives need to take another vacation.I wonder if they have mothers.If you have someone living in your house who has gotten a ticket or so on,your rates go upAnother way they our breaking up the American family.Is it true our politicans have sold us out to other countries.China for one.They are buying up our food sources.They probaly don't want us to beable to grow our own foods or have our own livestock.The crops are genetically engineered so our seeds probably are too.They probably own the insurance companies tooHow do people go to florida for the winter and leave their houses vacant without paying higher rates.I was told insurance companies don't cover vacant homes.Thanks for listening.Bless you""

What is the best car insurance company in Britain?

I am 17 and looking to be put on my dads insurance. The car is a 1.4 Renault Clio and the cheapest quote is 1600. How do you get them to take the price down when speaking to them on the phone? Also I have had a bike for a couple of years with my own insurance, will this make a difference? Cheers!""

Car insurance student help?

Hey guys, I want to ask, is it possible to get a Mini Cooper convertible with car insurance. I'm 20 and I passed my test in November 2012. I'm planning to buy a mini but will they let me have the insurance ? All answers would be very helpful, thank you X""

Car insurance?

https://www.linkedin.com/pulse/named-non-owner-auto-insurance-quote-california-brian-lee/"

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numberonetrashcollectorus-blog · 6 years

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Car insurance for a 17 year old UK, is it cheaper if i add my mum as a driver?

"Car insurance for a 17 year old UK, is it cheaper if i add my mum as a driver?

Basically, If I add my Mum as another driver to my car on my insurance, does the price get lowered?

BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr

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I know individual circumstances apply, but there must be an average monthly cost somewhere. 33 years old, Looking for term life insurance, 500K I was just given a monthly quote for $28 per month""

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i bought a car and started financing. i got car insurance, but the next day i found a way cheaper one. so i called to cancel the old one, and put a downpayment on the new one. for some reason my other one wasnt cancled, and i have duplicate insurance. i just recieved an email from the expsensive insurance saying if i dont make a payment my license will be suspended. but this cant really happen right? if im making payments on my other full coverage insurance that i want to keep, i still have current insurance.""

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Looking for quality boat insurance that does not cost an arm & a leg?

Do any insurance companies do SEASONAL motorcycle insurance?

I am deploying at the end of the summer and was curious if any insurance companies do seasonal or monthly insurance. I live in NJ so if you know of any place that does this please let me know. I tried riders insurance and progressive already. Thank you

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Someone backed into my bumper, and I'm wondering if I should make a claim for it. I don't mind a $10-20 dollar increase, but anything more & I'd rather just pay for it myself.""

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i have only liability on my car insurance and i would like to know if that covers car theft .

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So there was a car accident and it was determined to be the other person's fault. My car was a mess (I wish they just totaled the thing) and is still in the shop, it's been 2.5 weeks. They're saying they can't reimburse the auto insurance because if something happened to the car during this time it's covered. But is that a bluff (I know they try to get out of stuff). if something happened to my car at a repair shop, and it's only there because of the accident that was determined to be the other party's fault, if something happened to my car, isn't the other insurance company liable? It never would've been there if it weren't for the accident. And if so, who do I go to? It obviously wasn't the guy I just talked to. I don't think this is unreasonable. It's not like I'm asking for the auto loan daily rate. Obviously I would still have to pay for that since it's toward ownership of the car. But the insurance makes sense to me - no?""

Average cost in nj for 17 year old girl for car insurance?

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How much does it cost to insure a madza rx7 ?

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I watch court shows on tv and many people are taking someone to court because of an accident and the other party does not have car insurance

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What's a good first car for low insurance?

I'm buying a first car soon, and I don't want the insurance to go through the roof. My mom offered to just give me her 3-Series but I'm afraid it'll make our rates go up if I'm the primary driver, but I know nothing about insurance so help me out here... I don't really care what the car is AS LONG AS... It is 1995 or newer Has the basics (power steering, air conditioning) Reasonably comfortable Reasonable gas mileage--doesn't have to be too great NOT a Honda. At all. I really hate Hondas with a passion and that kind of lowers the list, but oh well.. It doesn't really need all the fancy bells and whistles--just needs to be comfortable, cheap-ish insurance, and easy to fix. I'm looking into Buicks right now. My mom said she likes the Scion tC, and I don't really mind either (but it does look kind of girly). Any other good options? Thanks!""

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Small and cheap to insure ideal first cars?

first car for a 17 year old, no more then 1800, MUST be small and cheap to insure and preferably a respectable looking car :')""

What insurance plan should i get?

i am looking to get health insurance. i was offered plan A which is $5000 deductible with 30% out of pocket or plan B $2500 deductible with 40% out of pocket. i am 20yrs old, in sacramento california. i am health don't smoke or drugs, but do ride a motorcycle. plan A payment a month is 90$ with dental and vision, and Plan B is $110 a month with vision and dental. in the past i have only been to Dr's for broken bones, but things pop up and want to be covered if something were to arise. thank you""

Can i buy a car and still be under my mom's insurance?

I have enough money for a car. I was just wondering if i could buy a car and have the title under my name and still be able to be under my mom's insurance. i may be able to buy a car but my own insurance may be pushing it.

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I'm 16 and I don't have insurance listed under my name yet. I have my license already. Me and my parents were wondering if I could still drive without insurance if they're in the car with me. We live in Arizona btw, if that helps. Thanks!""

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Car insurance for a 17 year old UK, is it cheaper if i add my mum as a driver?

Basically, If I add my Mum as another driver to my car on my insurance, does the price get lowered?

Primary insurance?????????????/?

So I took my Daughter to the doctor today she is on ARkids. everything went fine at the Doctors but when i went to get her RX they said i would have to pay 81 dollars because of my primary insurance. I dont have Primary insurance she has only had ARkids. well they told me it was through her (sperm donor) father. that had not had anything to do with her for 2 years. she is 5 and when he did it was off and on. well how is this right I have custody of her. I can not afford her meds with his insurance making me pay. when it was just her insurance i didnt have to pay since it is his doesn't he have to pay? I dont know how to get ahold of him like i said no contact nothing for 2 years. she never gets sick.. i havent had to get her any meds or take her to the doc for like 5 mo.or more.

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Why didn't GW make an effort toward affordable health insurance for the Americans w/o any?

Cheapest cars to insure for a 17 year old?

I was wondering what cars would be the cheapest to insure for a new driver, aged 17. I heard there is all these different groups which relate to the amount of insurance you would have to pay. Also, I would prefer a decent car, so if you know any decent, cheap to insure cars! pleaseeee let me know! thanks! :D""

Will my insurance company raise rates because of a speeding ticket.?

With this ticket the cop said if i pay it before a certain date i wouldnt get any points on my license so would the insurance company even find out?

What is the difference between permanent life insurance and whole life insurance?

I'm taking a class on finance, and I'm really confused about this concept. If it helps, here's what my textbook says: Permanent life insurance continues until the premiums are stopped or the death benefits are paid out. The cash value of the insurance increases as the premiums accumulate. With whole life insurance, the premiums, death benefits, and cash value of the insurance remain fixed. At the time of the insured's death, the cash value of the insurance becomes the insurance company's and the death benefits are paid to the beneficiaries.""

How much home insurance should I get?

I just bought a house for about $180,000. I am looking for homeowners' insurance, but I am confused as to how much I should get. Should I insure for just the replacement cost of rebuilding the structure, or for the % of the mortgage I am financing. I got 3 different quotes, and they were for $396, $502, and $858. The lowest one was for $396 b/c it was with my car insurance company, but they will only insure the cost of rebuilding the structure, which they estimate as $110,000 (the house is small and in a decent neighborhood.) The second company wanted to insure me for that, but I got them to quote me on $140,000. That amount, when you add in the 25% overflow they allow you, meets the 90% of the mortgage amount I am financing. The 1st company would not do that for me. The 3rd quote was for $140,000, and was with the people w/whom I have had renter's insurance for 12 years. The only difference was that there was not a wind damage deductible of 2% on the 3rd quote. My loan officer says to just get enough insurance to rebuild the structure. How much insurance should I get?""

How much would US insurance cost?

I am driving across america with a friend in a 1975 Camaro so I need us car insurance. I am 18 (Full UK licence) and have had no claims. However I only need insurance for 3 months.

""AA car insurance, do they send the papers by Email or post?

need to know when register with AA car insurance is there an option for everything to be send by Email ONLY as I have some really bad people I am sharing house with :(

Can i canel my ex-partners car insurance?

A month before we split up my ex but a whole years car insurance on my credit card. Now we are apart, and i have asked her to get a credit to refund as i dont drive and dont have the means to pay for this? Am i being unreasonable, she has said as we were together it is irrelevant, but as i havent paid for it yet and its essentially a pre-payment what should i do? It was made in my name (the payment) so can i simply unmake it?""

""Any opinions on good home insurance companies in Anchorage, AK?""

Just shopping around for good home insurance. Currently have accepted offer for our first home, and want to get the best home insurance rates.""

What will insurance on this car cost for me monthly?

Hi, I'm going for my G2 end test today, so hopefully I pass and get my G. Here's a bit of information you should know in order to answer this question assuming I have my G license: - I'm 23 - Male - I live in Ontario - I got a DUI in December 2008 as a G2 driver, however it wasn't a criminal offense since I only blew .02 (one drink) - I plan on putting the insurance on a 2004 Hyundai Accent, still in excellent condition - I will be a secondary driver on this car, my girlfriend being the primary I think that's all you need to know, If I missed anything that might help, ask, and I'll edit this question! - Thanks!""

I need health insurance?

I am a 21 year old women, healthy.. And I am in need of health insurance that wont cost me an arm and a leg. Does anyone have any suggestions.. I looked online, and every site suggested that united health one.. Does anyone have,or has had this insurance. Thanks""

How much did you pay for motorcycle insurance in Ontario just after getting your M2?

I've asked a couple of brokers for quotes and the very cheapest you can go is seemingly $800 to $900 a year for a newly licensed rider, after advanced training and a govt-approved course, which seems a little steep even for Ontario. So I am asking for personal anecdotes - when YOU, yes YOU, started tooling around Ontario on your first farty little 2 stroke scooter or whatever, how much did the insurance company shaft you for, what was the bike model and what else do you think is worth mentioning? Thank you.""

Cheap car/insurance for a young lad?

18 year old son has just passed his test. Looked at a Fiat siacento(I know thats wrong but you know what car I mean)1999/1100cc/65000miles/good nick/500,I thought bargain. Until I checked the insurance.... 3000!!! Before I start ranting about the cost of insuring a young lad(and the cost of my own insurance) can anyone tell me a cheap car that is also cheap to insure. Thanks.""

Cheapest car insurance I can get? (10 points)?

OK I know car insurance can depend on a bunch of diff factors. If I leave something out that may mean major money let me know and I'll do a quick edit. *I'm 17 *Senior in hs *A-B+ average *Had my DL for 3 months *Never been in a wreck *Never received a ticket *Took drivers ed *I have a part time job Again if there's something else I should mention just let me know. My insurance right now is $1000 every six months. It ends this month though, and I'm looking for a new insurance.""

What kind of insurance do I need as a teen?

I am looking for quotes and anchor insurance asks which insurance I want I have the choices of Liability only, Comprehension and collision and Comprehensive only""

How Much do you think my car insurance will go up on a new car ?

OK I just bough a new car today......its a 2011 model and i traded in a 2002 model .....Im 19 years old...over the past 2 years of driving my insurance has been $100 a month and last month it went down to $75 ....i know you may not know how much just an estimate .

""Can you fully pay off car insurance with one payment, instead of monthly or yearly payments?

can you pay off car insurance with one time payment ?

Can I get health insurance for my nephew?

My nephew is 2 years old and I am really unhappy with the medical treatment he's been getting. He has asthma and has had an awful chest infection for months now, which doesn't seem to be going away. He coughs incessantly, often bringing up mucus. I want to know if I can insure him, as he's not my son. Also, is BUPA the best way to go or are there other private health companies that you would recommend?""

Car insurance for a 17 year old UK, is it cheaper if i add my mum as a driver?

Basically, If I add my Mum as another driver to my car on my insurance, does the price get lowered?

Can i get temporary car insurance for my teenager daughter on a separate insurance policy?

I want to get car insurance my teenage daughter (who passed her test 6 months ago).I am unable to add her to my current policy - does anyone know if any other way than changing current car insurance policy

Insurance on a cbr 600rr for a 20 year old in California?

Ive had my normal license (California) for 3 years and just got my motorcycle license. I am looking to buy a street bike, a sport bike specifically. I've looked at all the sporty bikes from 250 to 1000 and I plan on getting a 600 because I've been riding dirtbikes since I could walk so I know I'd get bored of a 250 but at the same time I know I'd kill myself on a 1000. I have a clean driving record aside from one speeding ticket(wasn't even speeding horribly) and a couple parking tickets. So what I'm ultimately trying to figure out is what the cost of my insurance would be and what insurance provider would give me the best coverage on my bike. I know I plan on getting liability since it is cheaper but any and all insight or examples would be very helpful. *people on yahoo love to hate on questions, so if you're one of those poeple, don't even comment. I know how bikes work and I've ridden them before, just need advice on insurance. Thank you!!""

Another insurance question for you...?

I'm 16, and soon I'll be getting my first car. When my mom checked out how much my insurance would be on a black Honda Civic 2-door from 1997 they told her it would be $100 a month. Needless to say, that car is gone and I now have my eyes on a silver Chrysler Sebring 2-door convertible from 1998. Judging by the price of the insurance on the Civic, how much would it be on the Sebring? Thanks in advance.""

""What health insurance is recommended for a single dad with 3 kids, with a budget but have decent coverage?

I am a single father of 3 kids and looking for health/dental/vision insurance for my family. We don't really go to the doctor as much but still want decent coverage in case I need to do so. Any ideas? Am based in Southern California.

Should Obama be impeached for saying you can keep your insurance?

Who sells the cheapest motorcycle insurance?

My car was totaled by my insurance?

I bought a 1999 Honda for $4,500 in March of 2010 from a private party, about nine months ago. The owner never disclosed the fact that the car had been totaled in December on 2009. According to Washington State unless the total meets certain criteria it doesnt have to be listed on the title. On January 17th 2011, I was involved in a car accident. The insurance totaled my car. Somehow the insurance discovered that it had been perversely totaled, which I was not aware of. I had full coverage on the car. They now are saying that I will get receive what the car is worth with a savaged title. My question is, do I have to except this or can I fight for the value of a clean titled vehicle? Should they have run a check on the vin when I insured it with them and discovered the that the vehicle had been totaled before? Or is everything my fault?""

Are there any affordable insurance companies that cover preexisting conditions?

Is regular insurance better than repricing when you ned to have surgery and the condition is considered preexisting?

Car insurance?

1st off i live in new jersey i accidently hit a car but didnt know i did it till later when the dude whose car i hit came up and confronted me.it wasnt my car but my roommates and i dont have insurance.ive offered to pay about 75% of the damage but i dont know if dude still wants to make a claim.i talked 2 the police and he said i could lose my damn lisence for bout 2 yrs.can any1 add a bit of clarity to this for me?

How much do you think my insurance will increase if I get my own car?

I trying to plan how much money I will need for a car. Its a 2000 truck. I am 17 and have had no accidents or tickets. I get a good student discount and took a drivers ed class. Sharing my moms car (a new SUV) made her insurance go up $70 a month. Do you have an idea of how much it would go up if I got my own car? Thanks!

Car Insurance Premium?

I have a car which is insured with company B. I decided to buy a new car and the dealer offered me a 7 days free comprehensive insurance with company C. I put my old car for sale while still under insurance B and on the third day after buying the new car I got into an accident. All accident details and fixes were done with the free 7 days car insurance C. During the process my older car was sold and eventually when I got my new car back from the garage I transferred it to my Insurance B. Now that liability of the accident is dealt with and stayed at 50/50 guilt for both parties, I was advised that my insurance premiums can be affected. My question is will that affect my current insurance B or not? Only insurance C dealt with the accident my insurance B have not paid nothing towards it nor get involved with it. Can my insurance B still go up on renewal due to this accident even under a different insurer?""

Which company offers the cheapest car insurance for a 17 year old male?

im 17 and i need insurance and wanted to know the cheapest

Will my insurance go up for a out of state speeding ticket? I have usaa insurance?

I was an hour away from my house in nebraska and my parents will kill me if they found out. I got a speeding ticket for going 73 in a 55 zone in iowa. I have USAA insurance. Will the rates go up? Will my parents find out?

Cheap car insurance?

any one know where the best place to cheap car insurance, my dad is going to insure a car for me to teach me to drive, it needs to be in his name but i ned to be a driver on the policy.""

What is The best Auto Insurance to get?

I need help finding a dentist or really cheap insurance?

I dont have very much income what I make goes out for bills automatically and I really need to go to the dentist. Can anyone tell me of a cheap insurance that I could get that wont take 6 months to kick in.

What are some good low cost learner legal bike with cheap insurance?

i'm 17 and i'm looking to purchase my first motorbike so i was wondering if you could give me some bike for less than about 2000 with cheap insurance?, but no rubbish Chinese bike because they fall apart""

Buying car insurance?

Do you have to buy car insurance before you get a car from a dealership? Can you drive home and then get the insurance when you're home? Does the dealer provides temporary insurance?

Can I Get Temporary Car Insurance If I Dont Own The Car?

I have just got a new job, however, I need temporary car insurance for 1 month. My stepdad's friend is allowing me to use his car he has up for sale for this period. Can I get insurance if the car owners name is not on the policy? Any help would be apprechiated. Thanks.""

""Are you prepared to pay 10-11-13% of your income for $1100-1300 deductible health insurance, not copay?""

Will you go to the doctor more if another large percentage of your income is taken from your check and you still have to pay for office visits until you have paid $1100 to $1300 deductible before your insurance kicks in each year? http://www.bcbst.com/learn/affordability/04-639GovernmentMandatedBenefits.pdf Skip to page 16 to see the summary. This is a report by Blue Cross Blue Shield, a nonprofit health insurance provider. Government interventions causes health care costs to rise, not go down. http://www.quick-online-insurance-quote.com/blog/2009/05/13/what-is-the-average-price-of-health-insurance/ Why doesn't the government talk about the price each American will pay for government run health care plans?""

Why can't responsible working people get low-cost health insurance?

Here's my big fault: I have no fatherless children, in fact, I have no children. Yet I have to hear a girl that I work with (who makes more than I do) talk about how she has state health insurance (I believe Medicaid) at an extremely low cost, since she made the decision to have a child with a man that she knew was a criminal, and is now serving time in prison. (And oh yeah, I drive an 11-year-old car, she just recently got a new one. But I know, that's easy when you get a free ride for the necessities.) So, why can't there be affordable health insurance for everyone, even if you did not choose to pump out a child (or children) you knew you could not afford to take care of?""

New driver - cheapest insurance?

Like thousands of other parents I'm looking for a cheap first car for my 17 year old daughter for when she passes her driving test. We're not in a position to buy her a brand new car, and she's happy to have an older one anyway (she has roughly 2k to spend), but the concern is the insurance! There are plenty of websites with new car insurance groupings, but can anyone please advise me of older small cars which are in the lowest insurance groups.""

Is it cheaper to be provisionally insured first?

What affordable medical insurance can I get for my income in Texas?

My husband and I only make between 1400-2000 a month from working. We have NO medical insurance because his company wants to charge an arm and a leg for me just to be included. I am currently having some high blood pressure problems and kidney problems but I do not have insurance to go for a visit. Im desperately trying to find a program or insurance affordable for us so I can get checked up- NOW I am NOT qualified for Adult Medicade-we make too much, but private insurance is too expensive for our budget. We have a free clinic but there is a 3-4 month wait to see a doctor. Can anyone else please help point to a direction that may help my situation? Like I said Im desperate enough to ask the public.""

A question about car insurance?

My mom is afraid of her car insurance going up once I get my license, so she wants me to get the car in my name and get my own insurance, but can I still get my license first before all of that? What would be the sequence of which to obtain first? Thanks!""

Car insurance for a 17 year old UK, is it cheaper if i add my mum as a driver?

Basically, If I add my Mum as another driver to my car on my insurance, does the price get lowered?

Car Insurance quesiton?

My car was hit and I have no insurance?

Hi, I have just moved to Alberta from Ontario, I cancelled my insurance and then was not able to get insurance with out an out of province car inspection...... totally my fault I'm not covered but when I stopped at a pedestrian crossing a truck slammed into me from behind. who claims from his insurance company if I don't have insurance doing it on my behalf? I also sustained some injuries where do I stand on this matter?""

Why do we have to pay car insurance for other people's cars?

As I understand it, the car insurance we pay is to fix other cars and their drivers in case we hit them. I don't understand why the law requires that we must pay for others' protection. Why shouldn't everybody pay for his own protection? If car insurance is required for everyone, then it would make no difference anyway, and I think, it would make people more motivated to get insurance. For example, if I pay $150/mo for car insurance, and if someone hits me who has no insurance and no money, then my car will look terribly even though I kept the law. This doesn't sound fair to me. If someone hits me, then their insurance should cover their damages and my insurance should pay for my damages. Why should I suffer a loss because they didn't keep the law?""

On average how much does it cost a year to drive for a 20yr old in UK?

I'm planning to start driving (im already learning)but I have big plans I want to carry out and been told I won't e able to if I start driving I spend about 120 a month on bus fair already but how much would driving cost? Would it make any difference on insurance if I waited till I was 21?

Why is auto insurance so expensive?

I am 17 years old and male, I'm also about 3 weeks from 18. I recently got a quote from Geico on a 97 Ford Explorer and they returned with $280 A MONTH for minimum coverage! My question is: -Are there any other options that would be cheaper than 200? Possibly around $100 to $150? -Would being added to my family's plan be cheaper? My dad owns a mustang and we also have a Ford Explorer, is Geico going to charge more even if I don't ever drive the mustang? -What can I do too get a cheaper quote? I can't afford nearly $300 a month! -I'm almost 18, Male, A Senior in High School, Currently Employed, Have average grades, Never had a DUI, car accident, and never been arrested. I'm not married as well. Any help would be appreciated! Thanks! -Shawn""

How much would car insurance be for a Dodge Charger?

If I had a 3.0 average and no accidents,tickets, or other outstanding finds and i was only sixteen, how much Would the insurance be?""

Government car insurance?

I've heard Of Auto Insurance Sponsored Through The Government For Low Income Homes. Where Can I Find More Information About This?

Why should car insurance be cheaper for young people?

car insurance should not be cheaper for young people because they are not responsible

Can friend get insurance on car in my name?

I gave a friend of mine a car that was my Mother's after she passed away. The title has my name on it however the credit union will not release it because there was still some money owed. Anyway since he drives the car I was told that I had to get insurance on it being in my name and just put him down as a driver. Is this true? Can he get his own insurance on the car? I am worried if he would get in an accident it would raise my premiums.

Is there any auto insurance that is affordable for college students?

Life Insurance?

If I sign up for term life insurance $75,000 for 30 years, and I die in lets say 5-10 years would my family receive the $75,000 or would they receive whatever I paid into the insurance?""

What is the ball park annual cost of running a standard used car including all expenses and repairs?

Including registration, tax, insurance, maintenance, repairs, oil changes and cost of buying a used car what is the ball park annual cost on a standard size and model vehicle""

What do they test for when getting Life Insurance?

I wanted to get a life insurance policy for my family and myself. They want to take blood and a urine sample. What are they looking for? Drugs, nicotine, disease???? What's the deal?""

Low car insurance monthly payment for a teen?

Is there any way to get a low car insurance monthly payment? I'm 19yrs and want to get a 09' Challenger. My friend told me I could maybe put the car under my moms name or something but I don't know what to do. I don't want to pay a crap load for car insurance.

Medical insurance question?

if you are not married to your spouse but have a child together can you go under their medical insurance through work?

Need to know where to quote car insurance!?

I have a teenager and would like to know what website I can use to find insurance quotes for him without giving personal information like my address and name etc. and a car type (he doesn't have a car!). I don't want to call my insurance place or give personal info because I really don't want my insurance premium to go up! Thanks

What Are Some Good Health Insurance Companies?

I used to be a 1099 worker but just recently got switched over to a salary but i still do not have health insurance. Are there any affordable health insurance companies out there that ...show more

Im 19 need health insurance?

Im 19 and I really need affordable health insurance. Neither for my parents can afford to put me on their insurance. Also i have a few preexisting medical conditions that makes it harder for me to find insurance.

Info about 17 year old car insurance.?

Hi, so i have been trying to look for cheap insurance lately, but was getting insurance quotes for 44k and lowest 17k! but i changed up a bit of the info and got it down to 3.2k with mum and dad added, i dont want a black box or anything, if i were to ring up and get a quote from the company, could it be even cheaper? thanks, also please leave some tips as to how to make it cheaper, and if you ask questions in the answers!... i will reply in the additional info so keep an eye out!""

Car insurance question?

Would it be cheaper to get insurance on a Golf GTI or a older muscle caR? because there are alot of classic car insurance companies who do great deals but i don't know and as a first car by the way. i would of thought as its an older car it would be cheaper

Can car insurance transfer?

I am under the insurance of my dads current car. If he purchase another car in his name for me, can I transfer from his current car insurance to his new car. (Aka is my name tied to a car) Or is it that I am under his insurance, it covers all cars he purchase. Or is it I have to cancel from his current car insurance plan and sign my name under his to the insurance of the new car. He will be paying.""

""Car licence ,where to get a cheaper car insurance?""

Hi there, Looking for cheap insurance? Im 17 near 18 ;) yesterday I past my exam and now Ive got the licence, but insurance is so expensive for me. Ive done the compare and the result was 17 000 for a year :( Please any advice to make it cheaper? Thank you all in advance. Cheers and have a good day.""

As a young adult where did you buy your auto insurance and how much did you pay a month?

well i am 19 i am looking for a auto insurance company. i have a 2003 4runner. so what insurance company did you get at my age. and which would you recommend to me? preferably an insurance that is cheap my father paid like 130 per month for this car under his insurance (but he is old lol)

Car Insurance and Registration?

I am a Kansas Resident and have a Kansas Drivers License; however, I am studying in California for the next four years. I am receiving a car from my friend as a gift, but it's already registers at California. What do I do to make it legal for me to drive it?""

""Families who live in America, how much is your health insurance per month?""

In an earlier question I mentioned that my boyfriend's parents are paying for his 24-year-old sister's health insurance after she got laid off and couldn't find another position and can't afford health care on her own, to the tune of $175 a month (and she's perfectly healthy) and was floored when someone said that was actually inexpensive. Btw, her parents insist on her having health care coverage for fear of her getting in an accident or whatever. I'm 17 and am quite obviously naive about the costs of health insurance, but I'm really curious about it, and would like to know how much it usually costs for a family to have health insurance in America. I'm in California. I don't know if it's more expensive depending on your state. If if you don't mind answering, how much do you pay per year, and how many people are in your family? Does it become more expensive as your kids get older? What kind of plan do you have? Through work or your own? Are you supportive of universal health coverage? Also: does anyone understand how Medicare / MediCal works and who decides who is covered and who isn't? Is it based on your yearly income? I'm asking because one of the reasons my boyfriend's parents want his sister to have insurance is that another family friend of ours broke her jaw in a roller blading accident when she was 26 and didn't have insurance because she was unemployed at the time, and not being able to pay the $15,000 hospital bill killed her credit score. Sorry for all the questions. I'm just really curious about all this.""

Car insurance for a 17 year old UK, is it cheaper if i add my mum as a driver?

Basically, If I add my Mum as another driver to my car on my insurance, does the price get lowered?

https://www.linkedin.com/pulse/banner-life-insurance-william-burns/"

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