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	<title>Auto Insurance Service &#187; Help</title>
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		<title>17 YEAR OLD CAR INSURANCE QUOTES HELP PLEASE?</title>
		<link>http://jclewisinsuranceservices.com/2146/17-year-old-car-insurance-quotes-help-please/</link>
		<comments>http://jclewisinsuranceservices.com/2146/17-year-old-car-insurance-quotes-help-please/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 17:20:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Quotes]]></category>
		<category><![CDATA[Help]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Please]]></category>
		<category><![CDATA[year]]></category>

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		<description><![CDATA[Question by : 17 year old automobile insurance quotes help please? Right i havnt yet passed but my test is soon and i can&#8217;t get quoted less than 3000 on a toyota yaris and even a mitza 800cc its crazy if i could get it to 2000 pound i can afford it ive heard of]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by </i>: <br />17 year old automobile insurance quotes help please?</strong><br />
Right i havnt yet passed but my test is soon and i can&#8217;t get quoted less than 3000 on a toyota yaris and even a mitza 800cc its crazy if i could get it to 2000 pound i can afford it ive heard of i kube but that was still 3000 just wondering if there were any more companies like that or wether any of you have in the last year or so had any quotes for 2000 or less and with which company can u help me please and no answers like tough its always costly i know that i just need it at a reasonable price thanks.<br />
See a lot of people have told me about going on parents and that but i dont know how and my mum n father are as thick as two short planks with things like this so how would u i dont comprehend itt</p>
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<p><i>Answer by Kim Cheung</i><br/>first off, good luck, 2nd do pass plus which lowers ye insurance, go on another person&#8217;s insurance plan (cheaper a lot cheaper) only do these price comparison things ect after ye have passed for a superior precise price</p>
<p><i>Answer by Benjamin Smith</i><br/>Finding a good insurance company can be tricky.</p>
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<script type="text/javascript"
src="http://pagead2.googlesyndication.com/pagead/show_ads.js">
</script></div><p>You can compare auto insurance quotes and save 40% or more here</p>
<p>http://globalmatrixmedia.go2jump.org/SH4oT</p>
<p><i>Answer by Martin</i><br/>Insurance cost depends on a LOT of factors,  what would suit you would not suit another person, Just get on that phone and try out a few insurers.</p>
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<strong>Add your own answer in the comments!</strong></p>
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		<title>INSURANCE QUOTE HELP FOR 1995 CONTOUR.?</title>
		<link>http://jclewisinsuranceservices.com/2141/insurance-quote-help-for-1995-contour/</link>
		<comments>http://jclewisinsuranceservices.com/2141/insurance-quote-help-for-1995-contour/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 15:21:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Quotes]]></category>
		<category><![CDATA[1995]]></category>
		<category><![CDATA[Contour.]]></category>
		<category><![CDATA[Help]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Quote]]></category>

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		<description><![CDATA[Question by MiSS M0RGAN ♥: Insurance quote help for 1995 Contour.? I need to find out where i can get quotes for auto insurance on a 1995 Ford Contour. Its like a faded black color. I&#8217;m not sure what insurance company my parents use but they are taking care of it for me because i]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by MiSS M0RGAN ♥</i>: <br />Insurance quote help for 1995 Contour.?</strong><br />
I need to find out where i can get quotes for auto insurance on a 1995 Ford Contour. Its like a faded black color.</p>
<p>I&#8217;m not sure what insurance company my parents use but they are taking care of it for me because i am about to inroll in college &#038; paying for it myself.</p>
<p>They are helping me out.</p>
<p>My mother stated that it shouldn&#8217;t be more then $  65.</p>
<p>Thanks.<br />
COME ON GUYS!<br />
i stated where i can look on the internet.</p>
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<p><i>Answer by car253</i><br/>It depends on your state.   You should call their insurance agent.</p>
<p><i>Answer by Gobucksfromnc</i><br/>To many variables, what state, what type of coverage, how much coverage, your driving record etc&#8230;..</p>
<p>Without these no one will be able to give you an accurate answer. </p>
<p><i>Answer by Queen B</i><br/>if you want to look on the web type in &#8220;insurance&#8221; and you will get a lot of places to look.<br />
the ideal advice i can give you is to either contact your parents agent or call a local independent agent where you live.  they can find you the ideal coverage at the ideal rate.<br />
online quotes are NEVER accurate as they do not pull your MVR, CLUE, or credit.  they usually come back higher than quoted.<br />
you also really want an actual human being working for you that knows your policy when you need help or have a claim.<br />
if you just HAVE to go online, try Progressive or Nationwide.</p>
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<strong>Know better? Leave your own answer in the comments!</strong></p>
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		<title>Q&amp;AMP;A: PLAN TO SWITCH FROM LIBERTY MUTUAL TO AMICA &#8211; AUTO INSURANCE &#8211; NEED HELP?</title>
		<link>http://jclewisinsuranceservices.com/1868/qa-plan-to-switch-from-liberty-mutual-to-amica-auto-insurance-need-help/</link>
		<comments>http://jclewisinsuranceservices.com/1868/qa-plan-to-switch-from-liberty-mutual-to-amica-auto-insurance-need-help/#comments</comments>
		<pubDate>Sat, 03 Dec 2011 22:18:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Online]]></category>
		<category><![CDATA[Amica]]></category>
		<category><![CDATA[Auto]]></category>
		<category><![CDATA[From]]></category>
		<category><![CDATA[Help]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Liberty]]></category>
		<category><![CDATA[Mutual]]></category>
		<category><![CDATA[Need]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[switch]]></category>

		<guid isPermaLink="false">http://jclewisinsuranceservices.com/1868/qa-plan-to-switch-from-liberty-mutual-to-amica-auto-insurance-need-help/</guid>
		<description><![CDATA[Question by RPG: Plan to switch from Liberty Mutual to Amica &#8211; Auto Insurance &#8211; Need Help? Presently I pay $ 109 to Liberty Mutual per month towards my automobile insurance. I have 2002 Nissan Sentra 83 K miles. I have taken 100/300, 50K property damage and 500 for collision and comprehensive. Also Roadside assistance]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by RPG</i>: <br />Plan to switch from Liberty Mutual to Amica &#8211; Auto Insurance &#8211; Need Help?</strong><br />
Presently I pay $  109 to Liberty Mutual per month towards my automobile insurance. I have 2002 Nissan Sentra 83 K miles. I have taken 100/300, 50K property damage and 500 for collision and comprehensive. Also Roadside assistance and automobile rental $  30/$  900. Feel bad that I pay a lot for this old car.</p>
<p>Just got an on the web quote from Amica. They quote me $  90 per month for the same configuration which I presently have. Is Amica reliable auto insurance provider with respective to claims?</p>
<p>Does Amica Auto Insurance cover insurer&#8217;s rental automobile (car rented from Enterprise, hertz)? I could not find this information from their website.</p>
<p>Any suggestions/ help welcome. Thank you</p>
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<p><i>Answer by roger</i><br/>be careful about getting quotes off the world wide web , often times it might change at a later date. Personally you can probably call the local yellow pages and ask agents local to you for a superior quote. I recommend if your insurance is paid up that you just let it run its course, anything you do to change in the middle of a policy ,may likely end up with excessive fees, and mistakes and excuses that eat up any savings you think you will get back, insurance companies do not like giving money back. I would set it up for the day the policy ends, and contact your insurance company at that time and cancel. They will want to know what company you are going with because they send letters to the motor cars now when you leave .</p>
<p><i>Answer by Entidtil</i><br/>In the USA, All insurance companies are decent.  If they were not, they would not be issued a license to sell insurance. You can check any insurance company specific satisfaction ratings on either A.M. Best, or J.D. Powers websites.   You will have to ask Amica if they provide a rental.  </p>
<p>Despite what others have stated here, There are no penalties and no problems and no reason you can&#8217;t cancel when you want to cancel.</p>
<p>Tip:  It is ALWAYS more costly to pay for insurance monthly compared to semi-annually or annually.  People who pay monthly are being &#8220;penny wise and pound foolish&#8221;.</p>
<p><i>Answer by G G</i><br/>They are both good companies.   You can cancel anytime you want to cancel without problems or financial loss.  You do not need to let your present policy expire before you switch.  There is no good reason to do that.  Be careful of people giving you advice who have not a clue as to what they are speaking about.  Any questions can ideal be answered by your present insurance company and by  your prospective insurance company.    Communicate with them.</p>
<p>
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<strong>What do you think? Answer below!</strong></p>
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		<title>NEED RECENT YAHOO HELP ARTICLE ON SITE TO SEARCH INSURANCE QUOTES. ANY IDEAS?</title>
		<link>http://jclewisinsuranceservices.com/1821/need-recent-yahoo-help-article-on-site-to-search-insurance-quotes-any-ideas/</link>
		<comments>http://jclewisinsuranceservices.com/1821/need-recent-yahoo-help-article-on-site-to-search-insurance-quotes-any-ideas/#comments</comments>
		<pubDate>Thu, 17 Nov 2011 06:20:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Quotes]]></category>
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		<guid isPermaLink="false">http://jclewisinsuranceservices.com/1821/need-recent-yahoo-help-article-on-site-to-search-insurance-quotes-any-ideas/</guid>
		<description><![CDATA[Question by not_omniscient_enough: Need current Yahoo help article on site to search insurance quotes. Any ideas? It was posted on the yahoo frontpage as a help thing.. it took you to a site that searches multiple auto insurance companies and saves you bucks. TIA thanks for the info.. but here is the website I was]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by not_omniscient_enough</i>: <br />Need current Yahoo help article on site to search insurance quotes. Any ideas?</strong><br />
It was posted on the yahoo frontpage as a help thing.. it took you to a site that searches multiple auto insurance companies and saves you bucks.  TIA<br />
thanks for the info.. but here is the website I was looking for..</p>
<p>http://www.netquote.com/nq/Zango_Savings_General.asp?nqid=14536&#038;status=article2</p>
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<p><i>Answer by Sonia</i><br/>There are lots of people having the same question like you and yours is just another one. Basically talking about vehicle insurance<!--Car insurance is the most widely bought type of insurance coverage. Automobile insurance is designed to protect you, your family, and your automobile. You might get your query answered here,</p>
<p>http://www.best-autoinsurance.we.bs/</p>
<p>Cheap vehicle insurance is a popular avenue these days, but you should be sure that you are getting all of the coverage you need, as damage to your vehicle or another-->person&#8217;s vehicle might cost you money out-of-pocket if you do not have adequate coverage and your vehicle insurance rate might go up.</p>
<p><i>Answer by Tom Larsen</i><br/>Do a Yahoo search for insurance close to you. Then select an independent insurance broker who will shop the market for you. Let the experts do the work on your behalf and come up with the ideal rates.</p>
<p>
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<strong>Give your own answer to this question below!</strong></p>
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		<title>HELP DECIDING WHICH SPORTY CAR OR CONVERTIBLE?</title>
		<link>http://jclewisinsuranceservices.com/1800/help-deciding-which-sporty-car-or-convertible/</link>
		<comments>http://jclewisinsuranceservices.com/1800/help-deciding-which-sporty-car-or-convertible/#comments</comments>
		<pubDate>Wed, 09 Nov 2011 23:21:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Quotes]]></category>
		<category><![CDATA[convertible]]></category>
		<category><![CDATA[deciding]]></category>
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		<category><![CDATA[sporty]]></category>

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		<description><![CDATA[Question by cman: Help deciding which sporty automobile or convertible? I want a convertible or sporty automobile and am on a budget of $ 20,000. so I have got a few options that I have been considering. New Mazda Miata-I have heard great things about Miatas, the one thing I am worried about is it]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by cman</i>: <br />Help deciding which sporty automobile or convertible?</strong><br />
I want a convertible or sporty automobile and am on a budget of $  20,000. so I have got a few options that I have been considering.<br />
New Mazda Miata-I have heard great things about Miatas, the one thing I am worried about is it maybe feeling a bit underpowered, even though I am coming from a 2008 Honda civic sedan. how do those compare?<br />
Used Porsche Boxster-this would solve the potential underpowered problem of the miata, however I have heard a blended bag of responses regarding the reliability of these, and I know that any fixes that are needed will be absurdly expensive.<br />
Used Honda S2000-this automobile seems great, the things that worry me are possibly a lack of low end torque, and I have never driven a manual before, and the other options can be found as automatics.<br />
Volkswagen GTI or Golf TDI-these seem like excellent cars, but the one downside is the lack of convertible top-I really like that open road feeling<br />
Mini Cooper S-This is sporty and can be a convertible, but I have heard bad things regarding reliability and parts/maintenance costs, also the interior seems to be disliked by a lot of people.</p>
<p>other pertinent info-<br />
I live in the Sacramento area, so weather problems shouldn&#8217;t be as significant.<br />
How do the insurance costs compare of these 3? I am 18 but have a clean driving record, good grades, etc<br />
Does anyone know how the fuel economy of these automobiles compare from experience? I know the EPA estimates, but real world mileage is different, especially because I am an enthusiastic driver (I only get about 26mpg in my civic)</p>
<p>One of the main things I want to know is how these will drive compared to each other and my current civic. Anyone with experience with multiple of these cars?</p>
<p>any help or advice would be appreciated!</p>
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<p><i>Answer by Old Man Dirt</i><br/>The insurance will be higher then just a standard Miata and MPG&#8217;s will be down. Also they demand a higher price, but think about finding a Mazda Miata Speed. They were made during the model years of 2004-2005. They also have a lower top end, but a quicker 0-60.<br />
You already have the link to compare MPG&#8217;s.<br />
I still lean to the Miata&#8217;s for the price difference (Boxster or even the S2000) you can do a lot to a Miata and solve any difference in performance. The engine internals can take 15 lbs of boost, which more then doubles horse power. 250 horses in a Miata is enough to scare the living daylights out of most drivers, and for the inexperienced driver a sure formula for disaster city.<br />
The ideal place (IMHO) to compare these automobiles is in the Consumers Reports Buyers Guide, and it can be found in most public Libraries (in the reference section).</p>
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<strong>What do you think? Answer below!</strong></p>
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		<title>Q&amp;AMP;A: CAR ACCIDENT/INSURANCE HELP?</title>
		<link>http://jclewisinsuranceservices.com/1747/qa-car-accidentinsurance-help/</link>
		<comments>http://jclewisinsuranceservices.com/1747/qa-car-accidentinsurance-help/#comments</comments>
		<pubDate>Sun, 23 Oct 2011 06:20:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Online]]></category>
		<category><![CDATA[accident/insurance]]></category>
		<category><![CDATA[Help]]></category>

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		<description><![CDATA[Question by John Smith: car accident/insurance help? my girlfriend, (about a month ago) was backing out of a parking lot and backed into someone driving by or something. not major damage or anything ( i wasnt there ).. but she stated it was just a scratch.. but she gave the lady her insurance info and]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by John Smith</i>: <br />car accident/insurance help?</strong><br />
my girlfriend, (about a month ago) was backing out of a parking lot and backed into someone driving by or something. not major damage or anything ( i wasnt there ).. but she stated it was just a scratch.. but she gave the lady her insurance info and that was that&#8230; few days later she calls my girlfriend back and tells her that her insurance info was no good. turns out&#8230; my girls parents (dad/stepmom) stopped paying for her insurance.. unintentionally..  they used to get the bill online&#8230; but they switched to mail or somethin and didnt realize it.. or somethin. point is.. she didnt actually have insurance at the time.   lady took it to a place.. she claims it cost like 800-900 dollars. stated my girlfriend could just pay for it with her own money&#8230; but she is only 19.. barely has enough money each month to pay for her part of rent .. much less come up with 900 bucks.  her parents apparently cannot help.. debt.. etc. i dunno.. but its been a month/month and a half since the incident.. and now she states she wants to sue her<br />
i just dont know what to do</p>
<p>first thoughts&#8230; have the lady just put in another claim and just state it happened a few days later.. when my girlfriend finally got her insurance back. but apparently they already have her info on file.. and know about it. so i dont know how that would work<br />
next thought.. she doesnt have any proof it was my girlfriends fault. . but apparently there were cameras if it came down to it<br />
anyway.. my gf is really freakin out&#8230; she has enough stuff to worry about. i want this to all go away for her. but i&#8217;m not sure how<br />
i think the lady is just trying to get money out of her. like i said.. i dont think the scratch is even that bad. stated she got an estimate&#8230;.900 dollars.. really? i had the front right end of my jeep smashed in.. didnt cost that much<br />
does it matter that she didnt file a police report? at least i dont think she did<br />
how would you file a claim with a different insurance?<br />
yeah.. i mean.. i guess she could pay her back a tiny bit at a time.. payment sorta thing.. but she seems really impatient.. seeing as how my girlfriends mother received a letter in the mail saying she wanted to sue them.. hah.. her mother doesnt have money.. shes already maybe gonna lose her house.. her father is in debt&#8230; stepmom doesnt have a job<br />
somethings gotta give</p>
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<p><i>Answer by country295</i><br/>the only thing you can do is pay it,she can tack you to court and get the mony,maybe you could ask is sh will put a new claim with a diffrent ins co cant be the same one.or you could get ins fraud you dont want that .so you only have two things you can do.i no mony is hard but might just have to bit the bullet&#8230;</p>
<p><i>Answer by Bill B</i><br/>The Lady is willing to let her pay!!! Do you think she wants to go to court? No she just wants to be paid. Work something out to pay the woman. Call her and make payments work around the home yard anything you can do to settle payment. She seems willing to work with you. Do not do something stupid to make things worse.<br />
Stay calm and things will work out.</p>
<p><i>Answer by princess p</i><br/>discuss a payment plan with  the victim, she is the victim and ur girl is at fault and must pay                good luck&#038; do the right thing  ok</p>
<p>
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<strong>Give your own answer to this question below!</strong></p>
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		<title>Q&amp;AMP;A: CAN YOU HELP ME FIND A COMMERCIAL AUTO INSURANCE COMPANY?</title>
		<link>http://jclewisinsuranceservices.com/1679/qa-can-you-help-me-find-a-commercial-auto-insurance-company/</link>
		<comments>http://jclewisinsuranceservices.com/1679/qa-can-you-help-me-find-a-commercial-auto-insurance-company/#comments</comments>
		<pubDate>Tue, 27 Sep 2011 05:18:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Question by La Reina: Can you help me find a commercial auto insurance company? I&#8217;m interested in starting a automobile rental company. The business model is fairly high risk, and I am having trouble finding a company that will provide auto insurance. The company will be located in Orlando, FL. If you know of any]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by La Reina</i>: <br />Can you help me find a commercial auto insurance company?</strong><br />
I&#8217;m interested in starting a automobile rental company.  The business model is fairly high risk, and I am having trouble finding a company that will provide auto insurance.  The company will be located in Orlando, FL.  If you know of any resources I can look into please let me know.  I have contacted GMAC and all the major companies like Statefarm, Nationwide, etc.<br />
Thanks so much!  Good information and advice.  I really appreciate it.</p>
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<p><i>Answer by mbrcatz</i><br/>Look, your attorney, who you are hiring, has connections to find someone who can do this.  </p>
<p>See, the vast, vast majority of people who think about doing this, cannot afford it. </p>
<p>If you came to ME asking for a quote, I&#8217;d charge you a $  1,000 brokers fee for my time, because odds are very, very trim that you are going to go through with this &#8211; and, you are right, it&#8217;s an extremely high risk business.</p>
<p>Let&#8217;s begin with the cars.  Physical damage on these cars, is going to be prohibitively costly &#8211; three times the cost of the car.  Automobile rental companies pay cash for the cars, they do not have automobile loans.    </p>
<p>Liability, will depend on the contract your lawyer has drawn up &#8211; and your loss control processes.  But commercial auto policies for rental automobile companies, will have a DEDUCTIBLE on the liability section, usually a MINIMUM Of $  5,000.    Even so, with that huge fat deductible, you should budget $  5,000 per car, for EXCESS liability &#8211; that means, it doesn&#8217;t cover AT ALL if the person driving is uninsured.   </p>
<p>You will not find a Standard company like STate Farm, Nationwide, Allstate, Farmers, to write this.    Your coverage will either be through  a nonadmitted carrier, or your say assigned risk pool &#8211; which I&#8221;m not sure Florida even HAS. </p>
<p>You need an INDEPENDENT agent, specializing in transportation risks.   You can find one, actually, you will get a list, by typing your zip code in to www.iiaba.net, and begin calling down the line.  Most of them will think the same thing I think when I get these calls &#8211; it&#8217;s just busy work and you will never end up buying coverage.  So do not be surprised if THEY want to charge a brokers fee to get the quote, also &#8211; refundable if you end up actually buying the insurance. </p>
<p>It takes MILLIONS of dollars invested to begin a automobile rental company.  And the people who rent cars, trash  automobiles &#8211; ALL THE TIME.    Deliberately &#8211; vandalizing them on the inside.  That is why there aren&#8217;t very many of them.</p>
<p><i>Answer by Tom Z</i><br/>Your problem is the fact that you are approaching insurance companies directly. As you have already found out standard carriers such as Nationwide, Say Farm and other name brand companies would not touch this type of risk.</p>
<p>What you need to do is contact an independent agent in your area that works with commercial accounts. An independent agent has access to what in the insurance industry is called the surplus lines market. Surplus lines carriers specialize in underwriting high risk operations. That being stated you might find that even these carriers are not interested in your &#8220;fairly high risk&#8217; venture. It is possible that the only market available will be Florida assigned risk.</p>
<p>Do yourself a favor look in the yellow pages for an independent agent.</p>
<p><i>Answer by Dave</i><br/>You need to consult a commercial insurance broker &#8211; not directly approach insurers.</p>
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		<title>Q&amp;AMP;A: PLEASE HELP! CAR INSURANCE QUESTION?</title>
		<link>http://jclewisinsuranceservices.com/1653/qa-please-help-car-insurance-question/</link>
		<comments>http://jclewisinsuranceservices.com/1653/qa-please-help-car-insurance-question/#comments</comments>
		<pubDate>Sun, 18 Sep 2011 21:18:23 +0000</pubDate>
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		<description><![CDATA[Question by F3Lix: Please Help! Automobile Insurance Question? My insurance renewal date is 01/03/11, I want to pay monthly but if i pay on the web this day will they take the deposit this day or on 01/03/11? I have already tried to phone but ive been on hold for 20mins!! cheers &#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212; Answer by]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by F3Lix</i>: <br />Please Help! Automobile Insurance Question?</strong><br />
My insurance renewal date is 01/03/11, I want to pay monthly but if i pay on the web this day will they take the deposit this day or on 01/03/11? I have already tried to phone but ive been on hold for 20mins!! cheers</p>
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<p><i>Answer by Pat</i><br/>Paying is one thing, when they post it is another..</p>
<p><i>Answer by Donald White</i><br/>Your renewal is over a year old.<br />
Why do not you try a local insurance office that you can walk into and pay.</p>
<p><i>Answer by jw072451</i><br/>i would state the only one that can give you the ideal and for sure answer is your insurance agent, give they a call if it takes all day</p>
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		<title>Q&amp;AMP;A: I NEED HELP I BOUGHT A CAR AND THE LOAN DIDNT GO THROUGH AND NOW THE DEALERSHIPS TRYING TO PRORATE ME?!?!?</title>
		<link>http://jclewisinsuranceservices.com/1647/qa-i-need-help-i-bought-a-car-and-the-loan-didnt-go-through-and-now-the-dealerships-trying-to-prorate-me/</link>
		<comments>http://jclewisinsuranceservices.com/1647/qa-i-need-help-i-bought-a-car-and-the-loan-didnt-go-through-and-now-the-dealerships-trying-to-prorate-me/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 19:19:19 +0000</pubDate>
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		<description><![CDATA[Question by joe: i need help i purchased a automobile and the loan didnt go through and now the dealerships trying to prorate me?!?!? ok i went to a used automobile lot called automacks inc. in cocoa florida. i found this automobile on the web and liked what i saw and it was with in]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by joe</i>: <br />i need help i purchased a automobile and the loan didnt go through and now the dealerships trying to prorate me?!?!?</strong><br />
ok i went to a used automobile lot called automacks inc. in cocoa florida. i found this automobile on the web and liked what i saw and it was with in my price range. well the first week i had it the automobile overheated and i called the guy and he stated that he would fix it no problem. well i didnt really want to keep it because of this but i sighed the papers and on my contract i read that once it was sighed there was no grace period or cooling off period so the deal was done and i was willing to accept this and move forward. so i ended up missing two days of work for this because it was being fixed by his mechanic. it ended up being the thermostat which was not a problem i comprehend things happen. so to some things up after i got the automobile back it drove great its an 2003 cavilier by the way, so anyways i needed to come up with some paper work i needed my bank statement and to show him i had full coverage insurance on the automobile so a week later i took it to him and i guess he never submitted it to the lender at the time he recived the imformation so two weeks go by and in those two weeks i got laid off and the same day the finance company called to verify my employment there and they were informed i was laid off due to economical cut backs and the economy so i get a call the following day from the dealer saying the loan didnt go through and that he was going to try and get it to go through some how some way so the next day he calls me and states hey i got a friend thats willing to state i work for him so the loan could go through well i thought about it and im not going to commit fraud cause this guys itching to get a sell i told him no and he stated well were going to have to make something happen other wise hes got to take the automobile back. well i stated if you are taking the automobile back i want my 800 dollar down payment back and he starts going into this prorate garbage and i read my contract and it states nothing about that any where in any of the paper work so he stated something like &#8220;you act all huge and bad on the phone why dont you act like that in person?&#8221; i then replyed  &#8220;you never speak the way you do unless its on the phone nither!&#8221; so i got mad and hung up the phone i called the lender and let them know what was going on and hes been reported for this issue and then i called automax the real one not this garbage auto place and i told them this story and they told me that im entitled for a full refund of my down payment by law. well im not sure about any of this and i need some help i really need a automobile and im stuck between a rock and a hard  place so what do i do? thank you for dealing with this and sorry for any punctuation.<br />
well the guy came at 3 o clock in the morning and took the automobile even before my posted date to pay for the automobile and i called him and he states that the automobile was repoed?  i called the finance company and they stated the loan never went through so how does he repo a automobile before the payment date and that didnt even have a loan on it tell me that and hes got my tag and my children automobile seat my cds a bunch of stuff the police told me it was a civil matter and that im going to have to take him to court?!?</p>
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		<title>NO CALL, NO SHOW, PLEASE HELP?</title>
		<link>http://jclewisinsuranceservices.com/1644/no-call-no-show-please-help/</link>
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		<pubDate>Thu, 15 Sep 2011 18:19:13 +0000</pubDate>
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		<description><![CDATA[Question by Adam: No call, no show, please help? hey guys thanks for taking the time to stop and read this but I have a problem. Okay so, im 17, and I dropped out of school in february and just graduated two weeks ago by taking on the web classes to get my diploma. alright]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by Adam</i>: <br />No call, no show, please help?</strong><br />
hey guys thanks for taking the time to stop and read this but I have a problem. Okay so, im 17, and I dropped out of school in february and just graduated two weeks ago by taking on the web classes to get my diploma. alright well, I have been looking for a job for a while now and I finally got one. My mother pretty much got it for me, I work at a auto collision repair shop. Since I am not 18 yet I cannot work on cars, paint, or anything like that because of insurance policies. Now I love working on automobiles and stuff and I want to be in the business but all I do is sweep and try to find something to do. I work monday through friday, from 8 in the morning to 5 in the noon. Now this is my first job, ever. And I am working full time. To me, its just too much all at one time. I have only been working there a week and im already miserable. Plus its summer, and I have a life, and me working this much at my young age, is just to much for me. I want a job, but I do not want a FULL TIME one. Ugh I do not know what to do. So tomorrow is Friday and I have to work, but I really do not wanna go because I just do not think I can take another day of just sitting there for nine hours in the blazing hot heat. And since my mother pretty much got me this job, I cannot really just quit because I wan&#8217;t to. so tomorrow I am thinking of just not going. And I do not wanna call the manager because I do not have an excuse and he is a large dick wad and he will bitch at me for not liking the job. so please, do you have any advice for what I should do? Its only been a week and I am already hating it so much. I do not think I can put up with it all summer. so please, any information would help alot! thanks!</p>
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<p><i>Answer by ladykenmax</i><br/>It is too bad you do not like the job.  But stick it out, until something else comes around.  You are lucky to have this job since jobs are very scarce.   If you hate it so much, join the military.  They will give you a career and a job.</p>
<p><i>Answer by pinkflyd7</i><br/>Just do not go.  You are 17, so your mother will comprehend that teenagers are naturally irresponsible.</p>
<p><i>Answer by Irene</i><br/>A great Job for Teens is doing Free Surveys Online. Its simple, simple and for ages 13 and up. An simple way for teens to make extra money. check this blog for more info and Proof of Payments</p>
<p>http://Jobs4Teens.tk</p>
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