Car accident - no damage but existing damage Insurance |
- Car accident - no damage but existing damage
- As a student, could I get life insurance even though I support no one and have no liabilities?
- Is it better for me to decline the insurance at work and buy on the exchange?
- Insurance company claims to have issued check (several times), but I have not received it.
- Prevention vs treatment.
- (Ontario) Premium goes down if I add a secondary driver?
- Just got back from the hospital, almost certain to hit OOP max. Advice please!
- Should I consider getting a CPCU if I am horrible at math?
| Car accident - no damage but existing damage Posted: 31 Dec 2017 09:14 PM PST I was involved in a car accident today where my tire bumped into another vehicles tire. I was found at fault. What happens now? I don't plan on calling my insurance because I have no damage (and don't plan on getting my tire changed). The other vehicle has old damage (clearly no way my car caused it, too low of vehicle to have impacted theirs that high). I'm sure they'll try to say the old damage was my fault. What can I do? Will I just get a bill from my insurance? [link] [comments]  |
| As a student, could I get life insurance even though I support no one and have no liabilities? Posted: 31 Dec 2017 08:13 PM PST Lets say if I just wanted my brother to have his school and car paid off even though I in no way support him right now USA Also only 21 if that matters [link] [comments]  |
| Is it better for me to decline the insurance at work and buy on the exchange? Posted: 31 Dec 2017 04:11 PM PST I will try to add as many details as possible, please let me know if you need any more. Age: 35, with 37 wife, and children 6, 4, 1 Income: W2 income $98,000, side self employed income $18,000 Work in a small business where my insurance is covered, but none of my family is. Less than 25 employees, in the state of Colorado. Currently paying $1400/month for coverage for wife and kids. Anthem BCBS, PPO plan with I think $6000 family deductible. $1400 is pre-tax so I do see some benefit there. Looks like on Connect for Health Colorado I would qualify for a subsidy and my monthly premium would be $900-$1000, am I able to forgo my personal health insurance (I'm sure I can get that back in income) and go on the exchange? Any more information needed? TIA [link] [comments]  |
| Insurance company claims to have issued check (several times), but I have not received it. Posted: 31 Dec 2017 09:45 AM PST TL:DR - Insurance company says three times they'll send a check to pay my claim, but don't. Six months later, my car is still not fixed. Now what? A school bus hit my parked, unoccupied car on 6/29. It took over a month, but their insurance company said they would pay for repairs. They told me on 8/14 that I would receive a check in 10-15 business days. In early September I called and left a message for the adjuster. In October I finally called their main number and learned she'd left the company, and no one had been assigned my case. I guess because it had been paid, but also no one was responding to my voice mails and emails. I spoke to her supervisor who told me the original check would get a stop-payment and a new check would be issued. Again, 10-15 business days. In November I called again. Still no check. I was told the second check would be stopped and a new check issued. In the beginning of December, I called again and was told the stop-and-reissue check I was promised in November had not been done. They promised it would happen again, and this time I gave them my work address. Last week I called, and when the supervisor's voice mail said she was in the office that day, I told her that if I did not hear from her that day, I would file a complaint with the state's office of insurance. I did not hear from her, so that's in the mail. What are my next steps? The bus that hit me had an Illinois license, and I live in Illinois, so that's the paperwork I did. The bus company, though, is based in Ohio, and the insurance company is based in Texas. Do I file complaints in Ohio and Texas? Do I complain to the bus company? Tuesday I'm calling and asking to speak with the supervisor's supervisor. But do I file suit in small claims court? My car is still not fixed. I have assets I could use to fix it, but that would require taking money out of long-term savings, which would cost me money, so I haven't done it. It's drivable, so I haven't bothered. [link] [comments]  |
| Posted: 31 Dec 2017 02:40 PM PST I'm guessing that effective prevention is cheaper in the long run than most treatments. I.e. wellness checks etc. if it is cheaper then insurance companies have a financial incentive to provide preventive care. Does anyone happen to know if contraception, vasectomy, tubal ligation etc are cheaper than prenatal care, delivery etc? Also the long term costs of 2nd and additional children for employer provided policies that have a single "family" rate regardless of 1 or many children. Apologies if this is the wrong place to pose this question. Also a search didn't bring up the answers I was looking for. [link] [comments]  |
| (Ontario) Premium goes down if I add a secondary driver? Posted: 31 Dec 2017 09:02 AM PST Just wanted to double check as it seemed a bit counter-intuitive to me. I assumed adding any sort of additional driver would be an increase to my premium. I wanted to add my father to my car insurance policy as a secondary driver so that he could drive it in emergencies. When I went to update my policy online, adding him as a driver projected a significant discount on my premium. I'm a relatively new driver, having had my G2 for just a year, and my dad has been driving for decades. The only thing I could see causing the lower premium is that from the insurer's point of view, any time my dad would be behind the wheel instead of me would be lower risk for them. Is this projected discount legit, or did I make a mistake in updating my policy somehow? [link] [comments]  |
| Just got back from the hospital, almost certain to hit OOP max. Advice please! Posted: 31 Dec 2017 12:40 PM PST Sorry if this is long. My son just had a sistrunk procedure done. It was the second time doing this, since the first time it failed. The first time was covered by an HMO and we're done paying for it. It didn't work, and the cyst came back. In the meantime we moved out of state (to CO), got on a (UHC) PPO plan, and had to do the surgery again. The surgery had a major complication or three, and he ended up undergoing a second surgery, and stayed in the PICU for three nights. I'm pretty sure we'll be hitting the OOP max. My questions are: What can we expect? Should we pay bills as they come in because we'll be hitting the OOP max anyway, or wait until most or all of the bills come in? Will we be paying the family OOP max or the individual one for just him? How do in and out of network OOP maximums work? Do in-network payments count towards out of network OOP maximums? I forgot to check if the procedure itself was covered because I assumed it is and our previous plan covered it. In the event that it is not, will the emergency second surgery be covered? I would call UHC to find out since their website is not helpful in finding this, but wanted to see what else to ask about first. [link] [comments]  |
| Should I consider getting a CPCU if I am horrible at math? Posted: 31 Dec 2017 10:55 AM PST I am thinking of getting my CPCU, but through out high school and college I struggled with math and finance. [link] [comments]  |
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