Since car insurance is required?

Since car insurance is required?

we all pay higher rates for uninsured and underinsured..

 

BEST ANSWER: Try this site where you can compare quotes:INSUREFOREVERYBODY.INFO

 

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Title insurance in WA?

My lender charged me about $2,100 (for both lender's and owner's title insurance) for a home price of about $260,000. Is this normal? How much the rate for title insurance in WA state? What is the best title insurance company in WA state? Thank you in advance. Jo

 

 

What is cheaper to run on daily bassis Toyota Celica or Honda Civic Type-R?

I would like to maybe buy a Celica 190 I'm still deciding between this and the Type-R. I'd like to know does the Type-R cost a lot to run or is the Celica cheaper? I do about 100 miles a week would this kind of mileage be too expensive for any of the two cars? I'd also like to know what the average service charges are when it's due one. Also are they quick? I'm 34 so insurance is not too bad for me but I just would like to know from other owners of these cars what the real cost of these great machines are.Cheers

 

 

What is the age in Florida for males when car insurance gets cheaper and the prefered minimum age...?

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I'm 18, from Ontario and have had my G2 for over a year now. I was in a deathly car accident in january on the highway because of really bad weather conditions, I'm lucky to be okay. The cop didn't charge me because the weather was so bad and there were a number of car accidents that week. However the insurance company faulted me because I spun out first. Its been 2 months and my dad has done nothing but complain about his car being wrecked. He blames me 100% for the accident even though I hit black ice and there was nothing I could do, and he wasn't even there... For my 18th birthday my grandad (his dad) is giving me $10,000 for a car. My dad is making him wait to give it to me and he won't take me car shopping ! And when I do get one he's not putting me under his insurance ! I have to insure my own car at 18 with only a part time job. Is this unfair? Not being able to drive has been a huge hassel. What are the cheapest cars to insure ? I can drive standard so there's no limitations. What's the best insurance companies ? How much do you think it would be ? Also I'm going to college in Florida next year on an athletic scholarship so what is insurance like down there ?

 

 

Auto insurance for a 17 year old dirver?

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Is Texas a no-fault insurance state?

My G-Friend recently met with a car accident and we are still waiting for the accident report to determine the fault. She was not hurt but the other driver was hospitalized. Your opinions and suggestions welcome about how to handle this with Insurance company and attorney if required.

 

 

What are the best car insurance in Eugene, OR ?

I'm a college student and looking for the best car insurance in terms of reasonable price and have the higher coverage. I'm looking for full coverage. Please help me as you can whether you recommend one or you could lead me to a recommended insurance. Thanks in advance

 

 

What's the cheapest auto insurance for a 23-year old woman?

I've only wrecked once, and it was during a storm, with little damage resulting. I'm about to get a car, but I need insurance - what's the cheapest company for someone like me? Thanks!

 

 

Do I need car insurance If I am not a driver?

I own a car. The title is in my name, but I will not be a driver of it. My boyfriend will be the driver. Do I need insurance if I'm not driving it even though it's in my name? Or would I need a special insurance, and if so, what would I need?

 

 

I want to cancel my life insurance for a better one can i get my money back that i put in on it.?

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I need to buy a car cheap on gas/insurance. i have 2 boys and they need car seats..?

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Car insurance for a 1993 Toyota Celica? ?

How much would car insurance be for a 1993 Toyota Celica? I will be 21 in August, have a clean driving record, no accidents, married with a child. I am a full time college student with a 3.2 GPA. How much should I expect for car insurance per month? The car has 160,000 miles on it. Please, no advertising websites, just real answers. Thanks!

 

 

How much is car insurance usually?

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A starter motorbike for a 17 year old, needs to be cheap second hand and be able to ride on the motorway.?

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Dental insurance Help. Dont have insurance. 21 yrs old?

Hello, im 21 and from California. My question is about dental insurance if anyone could give me some helpful Information. I don't have dental insurance and have no idea how to go about getting it. I currently have a few cavity's and a crown that needs to be done. Im not sure how that could affect me getting insurance? Also how much is dental insurance.. a range? Any info you can give me on how to start looking for an insurance would be great..THANKS!!

 

 

How much is car insurance monthly in Oregon with a Dealer License?

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Why did my car insurance go up almost $10 a month?!?

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Would insurance costs go down if more people had a license?

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HELP! Car & Insurance for 17 year old.?

Hi, I'm 17 in a week & will be starting my driving lessons. I have my theory booked for a few days after & aim to pass in around 6 weeks, depending on the waiting list for the test, having 3-4 lessons a week. Driving a car isn't a problem for me, have had plenty of practise on tracks in my dads weapon ;) & have for the last 8 weeks or so been going to an empty industrial estate one or twice a week, driving my mums cooper S or occasionally my uncles M3. Just need practice with the ways of public roads from my instructor. Anyway, as you can probably tell I've had a fair bit of experience driving fairly fast cars, so thats where i need advice - can anybody suggest any fairly fast cars that are reasonable to insure? or any cheap insurance company's, or any ways to get insurance down, as long as they aren't completely ridiculous lies, I want to keep it as legit as possibly ideally. So far I've been quoted 1600-ish on a standard golf on my mums insurance, but ideally want something a bit quicker then that. My budget for a car + insurance overall is 4-5k. My ideal car would be a GTI, anybody know where i can insure one cheap-ish? ALSO, *PLEEEEASE* no do-gooder's telling me it is 'fronting' to go on my mums insurance, I am well aware of this, however I am also aware that if the car is registered in my mums name with the DVLA, then they don't have a leg to stand on. I have checked this with one of my mums friends, a solicitor. Also, nobody telling me that I 'wouldn't be able to handle the power' or that I'd 'kill myself', believe me, I'd smoke you ;). Sorry its a bit long, please help! :-)

 

 

Poverty level, affordable health insurance plan for a family of 5?

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what is the best health insurance?

 

 

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Who has cheapest car insurance in florida?

 

 

Where can I get second driver insurance for a 2.0 litre car?

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Since car insurance is required?

we all pay higher rates for uninsured and underinsured..

 

When getting a car insurance quote do they run your credit?

When getting a car insurance quote do they run your credit?

 

 

Is there a good/cheap motorcycle insurance where you can pay like $100 for a whole year?

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What is the best Health Insurance?

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Insurance for Yamaha enticed 125?

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Health Insurance Questions?

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Does anyone here use cancer insurance? If so, which kind?

 

 

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From whom can I get home insurance in Delaware if I own a Pit-bull?

From whom can I get home insurance in Delaware if I own a Pit-bull?

 

 

What good is affordable health care when more...?

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Auto insurance rate suddenly increasing by $140+?

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How much can i sue and get from car insurance for pain and suffering for $600 worth of medicals?

 

 

How much will the auto insurance be? ?

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How much will my insurance go up approximately after I totaled my car?

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Whats a good affordable car insurance company in dfw?

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Can Insurance company go bankrupt form a disaster?

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Since car insurance is required?

we all pay higher rates for uninsured and underinsured..

 

Auto Insurance in Ohio?

I'm going to be getting my license soon. Do I need auto insurance if I'll be driving one of my parents cars that already has insurance, or do I just need it if I have my own car?

 

 

Can insurance change term suddenly without tell me?

Can health insurance stop cover my medicine suddenly? I have used this medicine for 6 months and now I refill it,( I have 12 months refill) my phymesist told me that the health insurance changed code and stoped cover it. Can insurance do that suddenly? What can i do to fight with them? thanks.

 

 

Cheap car insurance for a teenager .?

I WILL BE GETTING MY LEARNERS PERMIT SOON... GOT DRIVERS ED AND WILL BE GETTING BEHIND THE WHEEL TRAINING.AND LOOKG FORWARD TO DRIVING A 2008 SCION TC ..ABOUT HOW MUCH WILL INSURANCE BE A MONTH... ANY STUDENT DISCOUNTS I CAN GET...?? ..OH YEAH IF IT HELPS ..I LIVE IN CALIFORNIA

 

 

Do i need to be on my parents insurance?

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Which companies offer insurance for individual items such as laptops, iPods, cell phones, etc?

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Planning ahead for car insurance ADVICE.?

OK, So I have recently passed my driving test and am now currently trying to sort out a car for myself. As a young driver I know insurance is high. All I want to do is find out how much the insurance is on each small car, so I can find the cheapest. E.G KA ETC. I have looked online such as confused.com and they ask you for the number plate and ask questions about the specific car. Obviously I can't fill it in because I haven't got one. Is there a website that will show all insurance companies and their prices????? Many thanks.

 

 

Opposing insurance asking for information?

2 weeks ago I got into a car accident, I've already: -Plead guilty and paid ticket online -Submit claim for insurance company -Had car towed for auto shop And today I receive in the mail, forms from what I can see is the opposing insurance company asking for my name, age, address, SS#, license plate, insurance #, passengers during accident, and a diagram to draw how the accident happened. Am I require to fill this out? I thought the 2 insurance companies got this kind of information from each other

 

 

How would obamacare affect our family?

We are a middle class family, smack dab in the middle... Hubby's job provides health insurance, but for a family of 3, which we are, it would cost $200 a week for coverage, with high deductible, so! Since hubby is in exceptional health and hasnt had any medical problems (knock on wood!) he continues without health insurance; I remain on my parents plan as I'm 25 (aka under 26yrs old), and we pay for child health plus for my daughter, for a small fee a month, which depends on our income We simply couldn't afford to pay $800 a month for family coverage, so doing it this way saves us, like $600+! So since we don't make enough to pay for hubbys $800 family plan through work, is obamacare basically going to force hubby to get health insurance through his work, even though it's complete garbage? Or will his employer have more affordable family plan that we could afford? Just trying to understand it all better! Thanks in advance! :-)

 

 

What is the cheapest car insurance? PLEEASSEE HELPPPP!!?

I have searched around, i'm 18 and male I know it's going to be expensive and it changes daily BUT if there is any companies at all that people know are relatively less expensive than others? would be great :)

 

 

How much should an attorney charge for helping someone with an insurance claim? (average charge?)?

I don't wanna over pay. ..and does anybody know any good attorneys?

 

 

Can i buy car tax with only 24 hour insurance?

i need car tax first then im going to search for car insurance.

 

 

What's the best car insurance to go through?

I'm getting a car soon would like to know the best and the cheapest kind of insurance to get.

 

 

Renters insurance?

What is a good company to have renters insurance through, that is still pretty cheap?

 

 

How can I convince my dad that leasing a cheap car would be a good decision given my circumstances?

Ok. So I'm about to be 18 and have about $1,400 saved up towards a car, should be getting a few hundred more after graduation and from a few other things, so I expect to have around $2,000 in the summer. This is what I was planning on spending on a down payment on a cheap used car. For the monthly note and insurance, my parents said that they'll help at least some until I get a job. The thing is, it's seriously impossible to get a job in my town. I've been trying for a couple years and just nothing. Most other people I know - not just teenagers - are having the same problem. Because of this, my parents are worried that having to pay for so much and me pay for basically just the down payment would be too much on them. They're struggling very hard financially and haven't bought a car themselves in 13 years. So I was looking at some car websites the other day and noticed that some of them had really appealing lease deals. The ones that most caught my attention were $0 down, and then a monthly payment of around $200 or less per month for three years. What really interested me about that deal is the no down payment, because if there's no down payment and they pay for the monthly note, then that's the only thing they have to pay, at least for quite a while. That leaves me with around $2,000 still in pocket to spend over time on insurance, gas, various maintenance costs, etc., plus if there are too many hidden fees, etc. in the lease. (My dad got me an insurance quote and it was a lot lower than I expected btw, about $560/yr.) That seems so much better than having to start back at $0 after buying the car having paid all the rest on the down payment. I just don't wanna spend that much down because then I'm left with nothing, if I can't get a job then I have no way to pay for everything, again my parents don't think they can pay too much. If they only have to pay the monthly note, then I still have quite a while to get a job and start making money before that couple thousand runs out and if I do eventually get a job (hopefully it'll be easier in another city, but I need a car in order to move), I can even help them with the monthly payments or pay all of them. But all they can say is, Why lease a car when you can buy one, you'll just be stuck in the same spot in three years. But this is completely missing the point. The problem here is that if I spend everything down, then I have nothing left to maintain the car with, and therefore can't have a car at all. I have no steady source of income and can't make a steady source of income without a car. But if I can afford to maintain a car for at least several months with money I already had and can later get a job in a bigger city, I at least have some car, regardless of whether not I own it or it's the best and wisest financial decision in the long run. Once I have a car I can move to a bigger city and hopefully go to college and then get a better job, I'm sure I can get another car later. So basically, if I want a car now (which I need one in order to advance my life and go to college and such) the only possible way is if I lease instead of buy, unless I suddenly come into a bunch of money or can find a car for sale with no down payment. I need to just do whatever I have to do to have a car and get by at the moment, but my parents won't let me. They're so stuck in their stubborn ways that leasing cars is always a waste of money (I agree that it'a a waste of money, but again that's not the point here, the point is that I need a car) when in this situation it would work much better for me. But they refuse to let me.

 

 

Homeowners Insurance Policy Rate increases $220?

I bought a home in 2006. Had a policy for $550.00. Next bill 200+ more (nothing in policy changed). switched company Got AAA policy $ 512.00 (same policy coverage) Next bill $734.00 - Only change here was $29 dollars for Earthquake and House is covered for 1,000 dollars more. (Keep in mind my house is less than $100,000 and in good shape for being 40-60yrs old) Is there some unwritten law that states after providing insurance to homeowners for 6 months you have the right to jack up the price $200 every year? Should I get new insurance company again? If so, what guarantees that they don't tack on an extra 200 like the last company. This pattern is discouraging at this rate I will run out of insurance companies before I pay off the house. My insurance is paid through an escrow account so taxes already went up and insurance goes up - Monthly Mortgage Payment goes way up! Something none of us need. Please offer any of your experiences and advice.

 

 

Buying Car Insurance?

Looking to buy a car next week, but i have not owned a car before and have no insurance. Is there something i can do before i go to the dealership that will allow me to drive the car off the lot? Ie. can i somehow buy insurance before buying the car (even if i do not know make or model? (I should also mention that i will want to register the car in CT and purchase in NJ, if that's possible.)

 

 

Does insurance cost less for drivers that are 18 than for 16 year olds?

Does insurance cost less for drivers that are 18 than for 16 year olds?

 

 

Auto insurance low monthly payments?

I am having a very difficult time getting auto insurance i can afford . am on disability, and cannot afford the outlandish prices these days. Does anyone know where i can buy cheaper auto insurance? where can i find it? the lowest i could find was $143,53 down and and $140.09 a month. Does anyone have websites i can surf? Is there any with no money down and only monthly payments? is there anyone who has had the same problem as I? can anyone help me please?

 

 

Do you have health insurance?

if so, How much is it per month? How old are you? What kind of deductable do you have? Feel free to answer also if you do not have insurance, also, do you support obamacare?

 

 

I'm 18, want a Toyota Supra in a few years. Need help!?

I'm 18 and love cars, especially Jap cars. Before anyone starts, I'm not one of those boy-racer types, I'm genuinely interested in that car. I know you can get a 2nd-hand Supra for less than 5000, but can anyone advise on insurance and how/where to buy a Supra, by age 23/24? I plan on respraying the Supra a bright orange, and getting a bodykit for it - making it look really nice.

 

 

I have my own health insurance. How will these proposed Healthcare reform measures affect me?

Am I going to have to pay more now?

 

 

Term or Whole life insurance which is best for 18 yr old female and what is the difference?

Is $12 per month a good premium for a 30k term life policy for the 18 yr old female?

 

 

How far in advance can you buy your car insurance?

I'm trying to avoid the increase that's happening in December but my premium runs out 2 weeks after the increase

 

 

Does any1 know roughly how much it would cost to insure a 2000 automatic vauxhall frontera?

thinking of buying the car for my sister she's almost 19 and is a learner driver does any1 know roughly in s how much the insurance would be

 

 

Would applying for car insuance quotes give a bad record?

I'm searching for car insurance but I am not sure if applying for a quote online will give me a bad record. Like applying for a credit card does you know.

 

Since car insurance is required?

we all pay higher rates for uninsured and underinsured..

 

I have just bought a Moped - JMSTAR 50cc, where can I get insurance from? apart from rampdale? x x x Thanks?

I have just bought a 50cc Jm Star Madness 50QT moped and im looking for insurance, the cheapest ive found is 290 with Rampdale and the most expensive was 490, Its a chinese import so not alot of companies insure them Can anyone help? and recommend a cheap insurance company which will insure chinese imports? THanks x x

 

 

I have pre-existing conditions & I'm 61. Where to go for health insurance?

I'm having a hard time trying to find health insurance. I have pre-existing conditions (take medication for a mild heart arrhythmia & for cholesterol) plus I'm on medication for depression. And I'm 61. I've searched the web without luck - insurance agents who've called me say my condition makes me Uninsurable. Either that or I'm contacted by scam artists. Does anyone have experience with the Health Insurance Industry & have suggestions on what company to contact? Or what insurance agents are reputable? I live in California. I welcome your thoughts & suggestions. Thanks!

 

 

Is Mitsubishi Lancer Coupe considered a Sports Car in Insurance?

Hi, im in australia planning to get a lancer coupe, not the sedan. they range in late 90 models. I cant tell if theyre a sports car or not by insurance companies. (sports car are more expensive). a small low budget economical 1.8L car wouldnt be classified as a sports. But then lancers were originally used in rally races. Can anyone tell me if this lancer would have higher insurance costs than a 4 door sedan version.

 

 

If I had a company, and I had to pay for car insurance out of the capital...?

Would the car insurance be counted as an 'expense', 'liability', or an 'overhead'? Also, if possible, could you provide an explanation as to what each term means exactly? Many thanks! :-)

 

 

Whats the cheapest auto insurance for honda civic?

I'm 19 years old, i have had a license for a year and a half. i have had one speeding incident where i was going 100 miles per hour. Other than that i have no records of bad driving. i drive a honda civic sedan. what is the cheapest car insurance i can get so i can drive again?

 

 

Renter's insurance, is it worth it?

I keep on getting these ads from Geico on the renter's insurance packages that they offer. I am renting right now and has one roommate. I've gotten mixed opinions on the renter's insurance, some say it's not worth it some say it is. So what do you guys think? I don't think it's that much money, maybe like $20 a month or something like that?

 

 

Car insurance question?

I'm from the UK, 22 year old man. Passed my driving test in November, looking to buy my first car. For the cheapest 2 insurance bands, how much a year could I expect to pay for insurance? ball-park figure obv. also, can you give me examples of the sort of cars I'd be able to get insured for?

 

 

Maternity insurance in North Carolina is it worth it?

My husband and I want to have another baby. I had to have an emergency c-section with the first baby and my doctor told me if I had another baby I would have to have another c-section. I had Medicaid with the first child, and I am not sure of those cost for that baby. I have a basic individual insurance plan now. I do not qualify for my employer's health plan because I am a casual staff worker. So my question is would it be worth spending the extra for maternity insurance or better to ask for a payment plan at the doctor's office and hospital? I would be seeing a doctor in Greenville, NC.

 

 

Would it be better for our government to give everyone health insurance or?

Produce more health care resources by increasing funding for medical schools and work to flood the market in health care services thus making it more affordable for everyone?

 

 

Dose my 400,000 SGLI military life insurance cover me off duty?

i have been in 4 years and a spc in the colorado army national guard and i have 400,000 sgli life insurance. Someone told me on or off duty that life insurance covers me as long as i am in, is that true? I always thought it was on duty only life insurance so basically if one day off duty i get hit by a bus, that 400,000 dollars before taxes will be paid out to my beneficiaries the next couple of months after?? thanks.

 

 

Can you get car insurance without having a car?

I want to get my license back. The state (Indiana) says I have to have insurance in order to get it back. Except I don't have a car. And I can't get a car without a license. Seems like a total catch 22. The form they said I need is a sr50. The girl I talked to on the phone was rude and wouldn't even listen to me saying I don't have a car so how can I get insurance. Just kept repeating you need insurance to get your license back. Help!

 

 

My grandmother bought a life insurance policy for me in 1980...?

My grandmother passed a few months ago, (i was not close to her, long story) I just found out from my aunt that my grandmother had a life insurance policy on me and my sister. I was born in 1980, I'm assuming that's probably when she started paying on the policy. She paid $1.20 a month and my aunt wants to know if I want to continue paying it. What happens if I don't? Can I cash it in? I do not have the policy in front of me but my sister has hers and it says purchased in 1986. the monthly payment was $2.40 for her. And it says something about a cash value on the back. from what I gather it is a whole life/ universal life policy from liberty life insurance out of south carolina. does anyone know if there is a way to calculate the cash value, estimate. I guess I might have to wait until Tuesday to call them to see if it is worth still paying on. (I do have other life insurance on myself)

 

 

Will filing a claim for broken car window raise my insurance payments?

I woke up to a broken driver side window this morning and the first thing i do is call my insurance to ask if its covered. My insurance said it would cost 350 bucks to fix it and i have a 500 deductable so i gta pay out of pocket anyway. He scheduled an appointment for me to get it fixed at a local shop. Is this claim going to affect my rates?

 

 

Where can I find reasonably priced car insurance for a 17 male?

I am 16 years old, soon to be 17 and am looking for a reasonable car insurance quote. I am aware that being male and 17 both work against me in this situation, however the best quote I have found so far was with eCar at gocompare.com for 2340. I am thinking of getting a cheap 1996 Vauxhall Corsa as this has been the cheapest to insure when comparing quotes. I have tried Directline, gocompare, comparethemarket, moneysupermarket, tesco compare, insurance.co.uk, confused.com, uswitch.com, and beatthatquote.com. I really need something lower than what I have found so far, if you have any suggestions they would be greately appreciated. Thankyou.

 

 

My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good?

My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good enough to get in state of California? 1- Liability only? 2- Liability plus collision? 3- Full coverage? 4- Any other type? Regards, Mo.

 

 

Car Insurance - No claims bonus-?

As I understand it no claims bonuses can be retained for a maximum 2 years after expiration of last insurance. Its approaching two years since I owned a car and had insurance for it. My father added me to his own policy to be able to drive his car , does this mean I will be allowed to keep my no claims bonus when I eventually get my own car and insurance again ?? I dont want to lose my 8 years no claims. Many thanks in advance to all answerers :)

 

 

How much home owner's insurance should I get?

How much home owner's insurance should I get?

 

 

Im nearly a 17 year old who wants to know how much insurance will cost..?

hi, with me nearly turning 17 next year and i have been looking at cars i have my eyes on a citroen saxo and was wondering how much will it cost to insurance and not botherd about the price of the car because you can get them for at least 500 pounds, there are ll types of saxos arnt there like the 1.4 and i have been looking aat the saxo vtr but im wondering what saxo is better fo a first car and the insurance thanks zac whalley

 

 

I will be 16 soon and I was looking at getting an 01-03 BMW M3. Any ideas on how much insurance would cost?

I live in Florida and I'm a new driver, also this will be my first car (if that helps with info about the insurance)

 

 

Which auto insurance company do you recommend?

I've had the following insurance and was not pleased: -Insure One (real insurance: Access American Casualty)=Cheap but HORRIBLE CLAIM PROCESS -Farmers Insurance Group: Pricey and more hidden fees hence had to switch because I felt like I was paying too much and getting scammed (I tried resolving the issue but rep said there is nothing we can do ). Currently I'm with GEICO and I am paying the same as I was with Farmers (except w/out the random charges), at this point I just want a RELIABLE and CLAIM FRIENDLY INSURANCE, which would you recommend?

 

 

Where can I find the best and most affordable Health Insurance?

not some rip off. but a real company and i hate BCBS

 

 

Can I Switch my Auto Insurance to Full Coverage Just To Get It Fixed????????????????

Currently I have liability auto insurance and i hit a deer. I have a really nice car but can't afford to get it repaired at the moment.(THE DAMAGES COSTS SOOOO MUCH!!!!!!!!!) Is there anyway that i can switch my car insurance to FULL COVERAGE JUST to get it fixed????? I heard that some people get full coverage and are able to fool the insurance company into paying for there damages, BUT HOW. IS THAT REALLY POSSIBLE WITHOUT GETTING CAUGHT. IF SO , PLEASE EXPLAIN TO ME HOW. I REALLY LOVE MY CAR, BUT CAN AFFORD TO GET IT FIXED. I REALLY NEED SOME HELP!!!!!!!!!!!!!!!!!!!!!!!!

 

 

Can the color of a car affect insurance rates?

Can the color of a car affect insurance rates?

 

 

Would insurance for a small SUV cost much more than insurance for a pickup truck?

I am thinking about buying a used 2WD CRV, or something of that nature. I am wondering if insurance is typically higher on that type of vehicle.

 

 

Do pcv holders get cheaper car insurance?

Do pcv holders get cheaper car insurance?

 

Since car insurance is required?

we all pay higher rates for uninsured and underinsured..

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