My kitten died; should I get another?
8 days ago, my kitten passed away of FIP. I only had her for 24 days but as any animal lover can attest, you fall in love with your pets so easily and become attached. I had rescued her from the Humane Society and since I was left with a $1300 vet bill trying to save my kitty, I tried to see if they could help me out. They can't - it's up to the insurance company. But my insurance company (it was a free gift when you adopt) will not help me out. The Humane Society however said that I can get another kitten without charge. Part of me thinks it is too soon after my other kitten passed away. But the other part of me really misses having a kitten around. They really do bring some life and character to the home! After spending my holidays with my little sister's kitten (who happened to be my kitten's sister), it made me really miss having a kitten around. I know I am likely to get another kitten someday anyway... but do you think it is too soon after the loss of my other cat?
I remember your earlier question, when your kitten was ill with FIP, and I remember how much you loved her and did everything you could for her.
All things considered, if I were you I would take the Humane Society up on its offer of another kitten, but not a kitten from the same litter. (Keep a very close eye on your sister's kitten, who was from the same litter as yours, because she may be infected with FIP also.)
I would get a kitten from a litter that had been fostered elsewhere, not one that had been at the shelter for more than a few days.
Incidentally, though it seems like the obvious thing would be to have a kitten tested for FIP, it doesn't work that way. Testing kittens under six months of age is inaccurate because they may still have passive immunity from their mother, and the FIP test is notoriously inaccurate, most often in the direction of false positives.
FIP is a disease associated with large groups of cats living in crowded conditions, so you find it most often in cats from feral colonies, hoarders, sometimes shelters and breeders.
I don't think it is too soon after the death of your kitten to get a new one. Be sure to take it to a vet promptly to get a full evaluation of its health.
Filed under Home Insurance by on Apr 24th, 2010. Comment. 
Insurance for renting a lock-up garage?
I am considering renting a lock-up garage in the UK and want to know if it is possible to get some sort of insurance policy to cover the building and contents (I currently do not have any other property insurance e.g home insurance). Does anyone know of any insurance company that can offer such a policy? I would be using the garage as a small workshop and therefore I plan to store and use some expensive equipment e.g aprox £15,000 worth. Also, the insurance would also have to cover the actual garage in case of damage e.g fire.
Do you own or rent a home? I am assuming you rent, or most likely you would have a homeowners insurance policy. You could buy a renters insurance policy which is usually very reasonably priced, and then your belongings in your lock-up garage would be covered. If your equipment is worth more than $2,500 you will want to tell the company you choose about them specifically, and schedule them. This may require appraisals, but it would ensure that you would get what they are worth in case of a loss. An agent who represents many different companies (an independent agent) will probably be your best bet as opposed to a captive agent, who only represents one company. You can locate a local independent agent in your area in the phone book. You will recognize them because they will have several company logos on their ad, not just one. I hope this helps!!!
Filed under Home Insurance by on Apr 2nd, 2010. Comment.
Insurance Check - Made Out to Me and Auto Body Shop?
I read a few answered questions here. I got my car hit and couldn't find the title to my car, so instead of making the check straight to me, they put the auto body shop's name on it as well. It was made out to me and the auto body shop. The bank isn't supposed to take it obviously, but I got mine to deposit it. I'm crossing my fingers and waiting to see what happens. What are the chances I will get the money and the bank will not catch the error? I've heard of this happening before to people with no problem. If worse comes to worse, I can send them a copy of the title and then I get a check made out straight to me. I can then either get my car fixed or choose to pay off my credit card debt with the money. I have a feeling I will get some responses saying it's illegal to not get my car fixed. Actually, it's not; I can do whatever I'd like with the insurance proceeds as long as my car is paid off. (Which it is.) Any bank personnel input would be greatly appreciated. Thanks!! =)
If the car is paid for you can do anything with the money you wish ... it is NOT iillegal. Now that the check is made out to both there are some things you can do.... get the car repaired, sign the check and give it to them....go to the shop and have them sign the check and deposit/cash the check... or sign the check for the body shop (not llegal, but the body shop is the only ones you have to worry about and the only ones who will/can get you in trouble) sign your name and then deposit/cash the check. Now I'll get thumbs down from the know it alls... but I have done all three with checks and it can be done.
Filed under auto insurance price quote by on Mar 16th, 2010. Comment.