medical & car insurance

I have Guardian for my car insurance on St. Croix. I have basic liability plus a couple features and i pay about $350 per year. If your insurance is less than $500, you have to pay it all up front. My policy was when i was 23, so if you're over 25, it might be even less!

Health insurance i have through my company but let me tell you that Cigna is the only health insurance that is really accepted everywhere. That and Hovensa insurance. I had United HealthCare and no one wanted to accept it, meaning that i had to fill out claim forms, which was a pain especially since i had to pay out of pocket and then wait to be reimbursed (maybe).

Give us your car info. What year and model. If its past a certain year you can ONLY get liability. I pay 375 for my beater suv. I go with Marshall and Sterling though. They are the best. If something happens they take care of it right away. I can't afford them for home insurance though. Health insurance here is going to be astronimical here if you can't get it through your employer. I would look more into castistrophic insurance, something with a very high dectible just in case type thing.

car is a jeep wrangler, 1997...
thanks!
i'm under a deadline for my research budget, and the search engine for this website to find prior discussions isn't working!
CG

hello there!
anyone have quick estimates for me regarding health insurance and car insurance?
how much to you spend per month and who do you have the policies with?
thanks!
CG

I noticed that this was posted on the travel site and received an answer from Tippi. She said she had BUPA Insurance. I had never heard of this company and would like to hear more.

Tippi...Who do you buy it from, how much is it, is it easy to use here ? ?

I checked their website, but haven't had a chance to read further.

http://www.bupalatinamerica.com/

Call Marshall and Sterling for health and life insurance. Speak to Lionel Downer the agent.
They have individual and group plans. the cost depends on your previous health and your age. Insurance companies get blamed for the doctors not accepting insurance cards, then you have to maybe prepaid. its not the insurance co.'s fault. More and more doctors are accepting BUPA , Cigna and United HealthCare. Hey one of the prices you have to pay for living in paradise right?????

check out Bupa through Marshall and Sterling Insurance. Ask for Lionel Downer. Bupa use to be Amedex. They are about the only insurance you can get down here that covers individuals. I think their phone no. is 772-2400.

cagrace, call Marshall & Sterling Insurance and speak to Lionel Downer. He can give you a quick quote on life and health insurance. He was very helpful with mine.

I actually was going to post a thread on this. One of the things that scares the he!! out of me down here is that everyone is riding around with only $10,000/20,000 car insurance. What is the point of having insurance if it only covers $10,000 per accident and $20,000 per vehicle? While that is a lot of money it's not something that's going to bankrupt you. If someone hits me and puts me out of work I will need a hell of a lot more than $20,000 to live. But no one has real coverage and I doubt they can afford the $300,000 they'd need as recompense for putting me out of work.

I have stateside type limits on my car...$300,000 liabililty etc. I pay $3,000/year to get those on my 2 cars at First Insurance and price shopping it hasn't helped me find anything lower. In the states I had similar cars etc. and the same policy was $1100 with Erie. If anything you are LESS likely to have a high liability claim down here because you aren't driving as fast etc. as in Washington DC where my other policy was. All that aside, $3,000/year is INSANE.

And this is where the island politics really piss me off. From what I hear they make it impossible for the Erie/Geico/Progressives of the world to do business down here because they have their own set of non-standard insurance laws that are prohibitively costly for these stateside companies to comply with. The side affect is that we are left to either pay way too much for good insurance, or are buying really crappy insurance in order to afford it. Insurance isn't a tangible good and there is no reason that it should cost more here than in the states other than buerocracy. People tell me "oh you would hurt the local businesses." That is BS, if they aren't competitive we all suffer, when you are in the hospital and can't pay the bills because the person who hit you has $10k/20k insurance see how much you care about the "local business."

Anyone else thought about this at all? I wonder what could be done to fix this...maybe make the insurance laws mirror Florida etc?

The only exception I know of to the lousy policies offered down here is if you are a member of USAA...they are great but I am not eligible as I wasn't military.

Sean