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Most of the time, yes they will find those prior claims.Many iusrnance companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an iusrnance company.Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.Because your rate went up due to the claims, it's not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.
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Most of the time, yes they will find those prior claims.Many iacnrunse companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an iacnrunse company.Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.Because your rate went up due to the claims, it's not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.
Each company vaires, and I know there is a bigger push to keep kids on insurance longer, but thats because kids are in college longer. Once they are no longer full time students they can not be on your insurance. I just recently graduated and haven't gotten a full time job so I have no insurance. My parents insurance would cover me until I was 26 if I was a full time student. Im not aware of any company that would vary from this, but I would contact either a benefit administrator or HR person at your company or with the insurance company directly to get more details.
Rodney is afraid of his own party As was potenid out by Rep. Lance in a recent Star Ledger Article he [Lance] was told they (The R's) would find someone to run against him in next years primary. And I would bet Rodney has been told the same thing toe the line and speak only the talking points. Too bad. Rodney and the rest of the R's are quoting statistics provided by Heritage Foundation (very Right Wing Conservative and another is a subsidiary of United Health, no bias there)We need a public option and we should be looking at the approach used by Germany, or France, or the Swiss. No one in those countries go without heath coverage, no one dies because of a lack of insurance (45,000 in U.S. every year according to Harvard Study and Journal of Medicine, no one files for bankruptcy because of medical costs (700,000 plus in this Country every year).The free market [the question here is what free market when it comes to the health insurance market ; Adam Smith is laughing at us from the grave) has done damage to the country. The R's should be worried as the cost of insurance pushes jobs over seas or if the company can't move operations over seas then they just reduce or in many cases just drops the health insurance coverage. Then again as long as their (The R's) major contributors and the Chamber of Commerce is happy they don't really care. For 60-years , since Truman ,. who had started to push for universal health in 1947/48, the R's and the insurance industry have blocked any attempt to level the playing field. And today they the insurance companies are fat , dumb and happy with their ever expanding profits. Now if they could only figure out how to cut back on Medicare or even eliminate it they could die happy.The question is what type of country or society do we want to live in? The other major industrial counties in the world made that moral decision years ago now can we make the same moral decision and then move forward with a fair and equitable plan that protect not only those who can afford to pay but also the weakest and poorest in our society. I wonder if Rodney has the stomach or the courage to do just that and not worry about the next election or what his party thinks.
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