Is Root Insurance Legit? Insurance |
- Is Root Insurance Legit?
- Auto Insurance Confusion
- My car is a total loss so my insurance will write me a check, but can I take parts from the car?
- Burglary Victim - Do I Need An Attorney Now?
- For the auto adjusters in the crowd...
- Water damage from improperly built deck by previous owner
- How can I be sure I don't get low-balled? (No attorney). Western Connecticut.
- How does 'crash for cash' work?
- State Farm insures my moving company and has taken over a month to submit paperwork proving I have insurance to the USDOT. Deadline has passed and now my DOT is suspended. Need advice how to proceed.
- Car Insurance - Registered in one state, garaged in another
- My sad tale of woe, loss of use questions and more...
- [NY] I just need a little help having terms explained to me for filling out an insurance claim for my mom.
- VA Life and Annuities
- How will using a mid-range body shop who will charge a lower repair amount to my insurance vs. using a high-end body shop affect my insurance premium?
- Spouse and I have same employer, separate health ins policies, can we share an HSA account?
- Total Loss and planning to rebuild
- Got hit by a school bus, questions
- Renter's Insurance Relocation Question?
- New insurance at work and slightly confused
- Why are my doctor checkups not 100% covered?
- Car Insurance
- Looking for adjusting work in CO - please critique my resume!
- Rear-ended by a drunk driver at a stop light. Will my insurance go up?
- Trying to understand HMO medical insurance.
| Posted: 04 Jan 2018 12:07 PM PST Hi all, I was curious if anyone has had any experience with the company "Root". State Farm hiked my plan up an additional forty dollars when it was already high so I've been looking elsewhere. I did the test drive with the app and they're offering 100 a month for the same coverage I'm getting with State farm where I'm paying 220. I'd really appreciate anyone's input! [link] [comments]  |
| Posted: 04 Jan 2018 02:21 PM PST I feel like I might be in an interesting situation. I went to school in Wisconsin and commissioned as an officer in the military when I graduated in May 2017. However I am not reporting to my assignment until the end of February 2018. I lived out my lease in Wisconsin and then drove down to Florida to live with my parents until I report in February. My car is still currently registered and insured in Wisconsin. My insurance is up Feb 6. I am leaving for Oklahoma on Feb 25. I will be registering my car in Florida and getting licensed in Florida for state income tax purposes before I leave for Oklahoma. Military members can maintain the same state of legal residence throughout their career even though they move constantly. I am a little confused with everything. I will need Florida car insurance when I register the vehicle, correct? But then when I move 3 weeks later, I will have to get new Oklahoma insurance? So I will get Florida insurance, register my car in Florida, move to Oklahoma 3 weeks later, and switch insurance to Oklahoma? Florida will let me keep my car registered in Florida but get car insurance in the state that I am stationed in. There is a military exception. [link] [comments]  |
| My car is a total loss so my insurance will write me a check, but can I take parts from the car? Posted: 04 Jan 2018 10:53 PM PST What happens to the car? Do they need to keep it? Do they just scrap it? [link] [comments]  |
| Burglary Victim - Do I Need An Attorney Now? Posted: 04 Jan 2018 10:46 PM PST My home and vehicle were broken into and $14k of items were stolen. Progressive/Homesite wants to give me $5k. I can't tell if it is incompetence, maliciousness, or just par for the course. I am looking for help from someone with more experience to help me decide if I should continue working with the adjuster, or just go find an attorney. I also had a couple questions about coverage limits and depreciation. Here are the reasons for the lower amount:
Depreciation Question 1: It's just a lot more than I expected. I was incredibly honest and detailed in my inventory, and provided exact item ages or accurate estimates for every item. Did I screw up? Should I have left the age blank? Depreciation Question 2: They used a maximum expected life of 20 years on everything, even if they are items that would last for 150 years. Is that standard practice? Question regarding the firearms limit: I thought the limit was on the payout (the ACV). Instead they have calculated an overage amount based on the RCV to create a larger number, and then subtracted that amount from the total combined ACV for all items. Can anyone confirm that this is how it's supposed to work? Thanks in advance to anyone who takes the time to read this and especially those who offer advice. It means a lot to me. [link] [comments]  |
| For the auto adjusters in the crowd... Posted: 04 Jan 2018 04:44 PM PST When calculating reasonable repair days for LOU/RR what does your company divide by? Someone said State Farm uses 2 or 2.5 hours/day? [link] [comments]  |
| Water damage from improperly built deck by previous owner Posted: 04 Jan 2018 11:10 AM PST A few years ago we hired a company to finish our basement (it was unfinished when purchased - 2 story house). When they began the work the found water damage to walls and upon further investigation realized that our deck, that was built before we bought the house, had no flashing at all. They ended up "lifting" the deck away from the house to see how bad the damage was. The sub-floor to the kitchen on the main floor that leads out to the deck was completely ruined. The ledger that connects the deck to the house was almost gone, along with a lot of studs. I submitted a claim to insurance and was denied because they said there was no flashing and it was a builder's defect. The company that built our house was listed wrong to the city, and the only one we could find that might have been the right house seems to no longer be in business. I couldn't find a permit for the deck so I'm assuming it was built with the house originally. The company that finished our basement replaced as much wood as they could, bleached everything (there wasn't any mold at the time), put in new insulation, and sealed everything up and flashed the deck. But much of the damage was already done and they were just doing a bandaide fix. 2 years the area in the kitchen that connects to the deck is cold. The floor in the winter is about 50 degrees, so it's cold to the touch. It's obvious that something still needs to be done. The deck needs to be replaced and likely the kitchen floor needs to be ripped up and everything under it needs to be fixed (my assumption). I fear what might be found now, mold, or more damage. In the event that this becomes very costly, I'm looking for advice on what to do next since insurance denied the claim. It was a shady insurance company so I'm not sure this was rightfully denied. But if it was, then should the previous owner be liable? I think the company that built the deck should, but I can't find them. Or am I SOL and I have to take on all of these continued costs? [link] [comments]  |
| How can I be sure I don't get low-balled? (No attorney). Western Connecticut. Posted: 04 Jan 2018 08:48 PM PST Other driver completely at fault. She turned left in front of me as I was proceeding straight through a traffic light. She was ticketed by police. I had some lower back muscle injury, saw an orthopedic surgeon, he prescribed some minor pain meds for a short term, and physical therapy for 4 weeks, extended for an additional 4 weeks. I'm not looking to get rich from this, but at the same time, I don't want to get screwed over. [link] [comments]  |
| How does 'crash for cash' work? Posted: 04 Jan 2018 04:42 PM PST I understand the process of what happens, but how can this scam even be profitable if insurance premiums go up for both parties involved? [link] [comments]  |
| Posted: 04 Jan 2018 07:16 AM PST I own one truck and purchased a Commercial Auto policy with State Farm upon moving to Maine from Boston. My insurance needs to be on file with the Federal Motor Carrier Safety Assoc, and needs to be at least $750K to maintain my Interstate Authority. The FMSCA needs a BMC 91 form from my insurer proving I carry the legal minimum insurance. On Dec 6th I requested the form from State Farm and was told it will take 5-10 days. It is now Jan 4th and they have not sent it to the FMCSA, resulting in the suspension of my DOT number, which means my truck is off the road, I cannot rent any truck for operations with my company, and future operations are at stake. State Farm has told me they are waiting for underwriting to review the request, that I have not submitted the correct paperwork for the request, and that I do not have coverage for other drivers, which is true as I am the only driver and that has never been a problem in the past 10 years of operating. My requests to my agent are being brushed off, the 800 number reps do nothing but call my agent and tell me they are looking into it. I've requested quotes from other carriers so I can drop SF, but what recourse can I take in the meantime? TBH, this is a very slow time of year and I am in a new market, so presently I have not lost any revenue, but I need this fixed ASAP, I am bidding on a $50K+ job that starts in 10 days with a corporate hotel chain and I need all my ducks in a row. Any advice how to proceed is appreciated. [link] [comments]  |
| Car Insurance - Registered in one state, garaged in another Posted: 04 Jan 2018 10:54 AM PST I am a permanent resident of NJ - my permanent address is here, I work, pay taxes to, vote all in NJ. I am thinking of renting an apartment in Philadelphia as it is very close to my work and would make a quick commute. Is there a way to keep my car registered and insured by NJ but garage it a few nights a week in PA and still be covered? The time between places would be almost 50/50 - maybe leaning toward NJ more. I know the rates are based on the zip code its garaged in - just not sure how it would work between states like this. Thanks! [link] [comments]  |
| My sad tale of woe, loss of use questions and more... Posted: 04 Jan 2018 12:58 PM PST Okay so long story short I was in a car accident over 2 months ago, the other guy was at fault, my car is totaled. His insurance tried contacting him to no avail and are now finally ready to settle. Meanwhile we've had no car for two months and couldn't afford a rental. Agent wants us to go to his office to finalize paperwork, he is being really vague about what I'm going to be doing except to say he wants to help me fill out the title? He also says he can't give me anything for the loss of use of my vehicle for two months because we didn't rent a car and we don't use our car for work (we got rides, as missing work was not an option and we couldn't afford to buy a rental car.) I guess my question is, do we still have a right to $ for the loss of use, and do we really have to go to his office to settle up? What paperwork are we signing? It's hard for us to take time off work for this stuff. Any help would be appreciated. Thanks! [link] [comments]  |
| Posted: 04 Jan 2018 04:21 PM PST Hello, I don't know if this is the correct place to ask, but I was told it might be. I would like some assistance filling out an insurance claim by way of explaining what certain things mean. I'm sorry if this seems like too simple of a problem with an obvious solution, but I've never had to deal with this kind of thing before. I'll try to outline this in a clear manner. My mom went to the emergency room for a fall at work, however, it was before she officially clocked in. I think her job previously offered her to be covered by their insurance at some point, but she refused to sign anything as she thought she would not be working there for long and was afraid of committing herself to something she didn't want. When the accident happened her job told her there was nothing they could do with their insurance, since she never signed with them. My mom may be under my dad's insurance, but I'm not sure if they cover emergency room visits and he's not too big of a help. The claim asks "Was this service work related?" What should I put, given the circumstances of her not being officially clocked in and her job saying they can't help with it? For the primary health insurance information it asks for: Company Name (I assume the insurance company); Phone Number (I assume the insurance company); Claim Address (Is this our address or another address?); City, State, and Zip (Is this the claim address information or the insurance company information?) For the secondary health insurance information is asks for the same information as the primary, I'm just not sure what constitutes as secondary health insurance info. Is this only if my mom has 2 insurances? Again, I'm not sure if this is the correct place to post, but I would appreciate whatever assistance anyone can give. Thank you. [link] [comments]  |
| Posted: 04 Jan 2018 12:20 PM PST I'm starting prep for this exam and before I spend the $200 on an online course, is there an alternative source I can use to save the money? Thanks for any information. [link] [comments]  |
| Posted: 04 Jan 2018 03:59 PM PST I hit a curb with my car and I've filed an at-fault claim due to having some serious damages. I can take it to a local mechanic I regularly use or do the repair at a Toyota Body Shop (I have a Toyota Camry). The Toyota Repair Center will definitely charge a significantly higher price for the repair. If I use them, would my insurance premium significantly increase as compared to the local shop? [link] [comments]  |
| Spouse and I have same employer, separate health ins policies, can we share an HSA account? Posted: 04 Jan 2018 03:51 PM PST My spouse and I both work for the same small-ish company. We have one child and another on the way. This year we had the option of an HDHP with HSA, and doing the math with premiums, deductibles, and likely charges with upcoming baby's birth, we decided to have my husband be on his own Individual plan, and myself and our kid(s) be on an employee+children plan. I anticipate meeting the $6000 deductible for our employee+children plan. The Individual plan deductible is $3000, but my husband is a very health guy (fingers crossed). We were told we can only save up to the federal limit, $6900, for our entire "tax household," even though we're on separate policies. I had thought that we could save $3450 + $6900 if we wanted to, but am being told that's not the case. can anyone verify this? I think we'll still be OK with this however. Since I'll be giving birth this year and have no paid maternity leave (yay USA cough cough), I won't have a paycheck for 3 months and we chose to have $575 deducted from my husbands check each month to get the $6900 into a shared HSA account. I'd like some outside confirmation that I'll definitely be able to use this single HSA account for mine and my kids' expenses. Anyone hear of this type of situation before?? I don't want to get stuck with $6000 in expenses that I can't use my HSA for because we're on separate policies. Thanks very much Redditors. edit: my employer's benefits broker has said that we can all share the one HSA account despite separate policies, I'd just like to know if anyone else can confirm this. [link] [comments]  |
| Total Loss and planning to rebuild Posted: 04 Jan 2018 03:43 PM PST I live in Cook County, Illinois and my vehicle was declared a total loss. I would like to know if i can fix the car myself and get a rebuilt title or do i need it to go through a body shop? I do not plan on selling the car anytime in the future. [link] [comments]  |
| Got hit by a school bus, questions Posted: 04 Jan 2018 06:49 AM PST So, the Thursday before Christmas I got rear ended by a schoolbus, which luckily had no kids on it. I've never been in any kind of accident so I'm pretty inexperienced regarding insurance claims. I'm going through the school districts car insurance, and they've accepted 100% liability. I'm wondering, how much do insurance company's pay out in these types of accidents? Would it benefit me from hiring an attorney? Is there anything else I can do, because I honestly can't afford another car right now, and need one for work. [link] [comments]  |
| Renter's Insurance Relocation Question? Posted: 04 Jan 2018 03:10 PM PST Our neighbor left his heat off, pipe froze and caused a massive flood in our apartment. Majority of the damage is in the master bedroom. Landlord has already ripped up carpet, removed crown molding, sections of the wall and ceiling. They placed dehumidifiers and fans throughout the unit. They can't tell us when reconstruction can begin until their insurance assessor has come by. Will have a timeline on Monday. Our building is offering us a bigger, nicer unit in the building for the same price as our current apt. We could move in whenever we wanted. Our building manager said my renter's insurance will cover relocation expenses. I called my insurance company and was told that's only the case if the dwelling is deemed uninhabitable by a civil or government agency but he couldn't tell me for sure. Can anyone provide clarity? TLDR: Part of my apartment is uninhabitable and will be for the next 4-6 weeks. Will insurance cover my moving expenses? I already filed a claim for my damaged items. TIA for your help! [link] [comments]  |
| New insurance at work and slightly confused Posted: 04 Jan 2018 02:06 PM PST We have a new insurance at work and I want to make sure that I fully understand it because I'm seeing red at the way it was described to us yesterday. Our deductible is $2700 and for office visits we have to be 80% of allowed charge after deductible. Our prescription coverage says 20% coinsurance. What will a doctor's appointment payment look like for me now, what about my prescriptions? I currently have 2 prescriptions that last month cost me $11. I know that I could possibly go online to the provider to see exactly this but my organization is just now getting the paperwork in so I have no idea how much I'm going to be paying for this crap coverage or access the website to see what pharmacies are covered now. [link] [comments]  |
| Why are my doctor checkups not 100% covered? Posted: 04 Jan 2018 10:01 AM PST I've had two checkups in the last two years and both times charge about $220. These were regular checkups, nothing special - just blood pressure, normal tests etc. I looked on my insurance coverage today (bcbs high deductible) and it says preventative visit which cover the normal tests should be 100% covered. Is a preventative visit different from a general checkup? Should I not have been charged? Is it too late to get reimbursed? (Last visit was in August) [link] [comments]  |
| Posted: 04 Jan 2018 04:05 AM PST I got into an accident yesterday. I'm not sure who is at fault. It could go three ways: hers, mine, or 50/50. Will my insurance side with me during the investigation or will they remain neutral and look at the facts? [link] [comments]  |
| Looking for adjusting work in CO - please critique my resume! Posted: 04 Jan 2018 11:21 AM PST |
| Rear-ended by a drunk driver at a stop light. Will my insurance go up? Posted: 04 Jan 2018 10:01 AM PST Hi, last night I was stopped at a stop light when I was rear ended by a drunk driver. The police were involved and she was arrested. My dad thinks we shouldn't file because the insurance will go up, but I'm worried the damage will be a lot of money since the back is really destroyed. I'm in Ontario if that makes a difference. Thanks for any help. [link] [comments]  |
| Trying to understand HMO medical insurance. Posted: 04 Jan 2018 07:18 AM PST I'm 22 and my parents switched to a HMO after having a PPO my entire life. To sum it up, they were paying more for medical insurance than their mortgage. I'm not happy about the switch but I'm going to just suck it up and deal with it. Currently my PCP is in the tier 3 category..meaning I have a $65 copay to see them! If I have to see a specialist, then I get nailed with a specialist copay! I was looking into changing to a tier 1 PCP to save.. I believe the copay then would be either $35 or $40. What is the difference between a tier 1 and 3 provider? Is there a difference? If it means sacrificing a certain level of care I'll stay where I am. I don't want to be seen by just anyone! [link] [comments]  |
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