Machinery Breakdown Insurance Insurance |
- Machinery Breakdown Insurance
- Blue Shield CA told me my renewal premiums were $360 then charged me $630
- Can an employer dictate liability rates for a personal auto policy?
- How did you get into underwriting?
- Taking my P&C license test for Washington state tomorrow afternoon. Wish me luck motherfuckers
- [Auto][California]Difference between "Collison coverage" and "Uninsured motorist property damage"?
- Help with starting a brokerage.
- Continuous auto defect claimed under comp
- Other party's car insurance wants to total my car - can I force them to repair it?
- Proving liability for medical expenses- howmowners
- International student in the US looking for health insurance after graduation.
- Premium Raise
- Tow truck oopsie.
- GEICO or Liberty Mutual Auto insurance?
- Calculator for right amount of home insurance
- [TX] Total Loss Claim - How soon does insurance have to pay?
- Is this a HIPPA Violation? (Re: Insurance billing)
| Posted: 12 Jan 2018 04:11 AM PST Machinery Breakdown policy is an ideal cover for all kinds of plant and machinery, to cover cost of repairs or replacement of damaged parts as a result of unforeseen and sudden physical damages. The cover affords protection to the insured machinery whilst at work or at rest and also when they are being dismantled for the purpose of cleaning, inspection and overhauling or removal to another position or in the course of their operations or subsequent re-election, provided these are performed in the same premises. http://www.consort.co.za/products/machinery-breakdown-insurance/ [link] [comments]  |
| Blue Shield CA told me my renewal premiums were $360 then charged me $630 Posted: 11 Jan 2018 12:52 PM PST The new year is off to a shitty start for me. Apparently, my Blue Shield Gold health insurance plan has skyrocketed in price; I've just been billed $631.11, up from last year's monthly premium of $302. There's been no significant changes in my life, I'm still unemployed, and I'm a healthy single late 20's guy. (I'm the only one on the policy, thru CoveredCA; didn't even use the insurance at all in 2017.) My beef isn't even with the 110% price increase; it's the fact that in every single communication I have received thus far, they have said that the renewal price would have been $360. I got a letter in the mail that said that $360 figure. Even if I were to go to my blueshield account online right now, this is what I see: As you can see, it's pretty clear that if I chose to "Keep my plan", it looks like I'm supposed to be paying $360/mo for 2018. So I gave them a call. The rep claimed that the reason my price is $630 and not $360 is because the $360 doesn't take into account any gov't subsidies (which I do not have). However, that's not what the renewal screen says; if you compare the column on the left (the 2017 plan) with the column on the right (the 2018 plan), the first row is supposed to indicate pre-subsidized premium; the second row is the subsidy; and the third row is the post-subsidy premium. Arguing with the rep didn't seem to change anything so he forwarded the case to the grievance dept. In another call, I was told by a different rep that it might be possible to retroactively refund the $631 if I can prove I was on Medi-Cal in January (which I can). I called the customer service number a third time trying to get instructions on sending in that proof, but every time now I get forwarded to the case assignee in the grievance dept; I called multiple times and left a voicemail to the lady several days ago, but no response. Basically, the heart of the matter is that if I had known my premiums would be so high, I would never have kept that plan. I've been told one figure but then charged another. It's almost like they had a blank check, they could've billed me a million bucks and I wouldn't have known about it till it was too late. What I'm wondering is:
To those wondering why my bill is so high, that part I think is my fault; I went unemployed in the middle of 2015. When applying to CoveredCA it asked me how much I made in 2015; I put how much I had made so far that year, and the premiums were ~$250 at the time. When 2016 and 2017 renewal came round, I stupidly thought I had no changes and thus didn't update my salary to $0; the premiums kept going up, with no subsidy. Is there any way to retroactively claim the subsidy? [link] [comments]  |
| Can an employer dictate liability rates for a personal auto policy? Posted: 11 Jan 2018 04:39 PM PST We are in Michigan and I am curious about something. A friend visits clients from time to time for work. The company vehicle is not always available, so sometimes they have to use their own vehicle. Maybe 3-5 times a month. The employer asked for his personal auto Dec page to confirm insurance, and said their liability rates were too low and is requiring 100/300. Are they allowed to require this? And not give any kind of reimbursement if so? My buddy is paid for mileage, but it's for actual miles and wear and tear, not insurance. I felt they would need a business auto policy in a situation like this. Thanks for any help! [link] [comments]  |
| How did you get into underwriting? Posted: 11 Jan 2018 10:51 AM PST College student about to graduate and have been rejected for 3 underwriting trainee positions so I'm wondering if there's another way to get into underwriting. Thank you! [link] [comments]  |
| Taking my P&C license test for Washington state tomorrow afternoon. Wish me luck motherfuckers Posted: 11 Jan 2018 08:11 PM PST |
| [Auto][California]Difference between "Collison coverage" and "Uninsured motorist property damage"? Posted: 11 Jan 2018 11:27 PM PST Hi r/Insurance I have had "Collision coverage" for many years. However today I noticed on Geico insurer's website [Geico] it says
So I got a quote to see if and how much I might save by switching from Collison coverage to Uninsured motorist property damage[UMPD] coverage. It turns out by switching to UMPD I would save $400 annually. So my question is should I switch to UMPD? Is there a catch here? Details:
Thank you in advance. [link] [comments]  |
| Help with starting a brokerage. Posted: 11 Jan 2018 07:13 PM PST I want to start a brokerage. I've been working as a Statefarm producer for about 5 years then now working for a broker. Things are good other then I want to do it my way. I want help with getting access to either a really good Aggregator so I have markets what do you guys suggest? [link] [comments]  |
| Continuous auto defect claimed under comp Posted: 11 Jan 2018 07:08 PM PST Hi all! I am a Personal Lines independent agent in NH, and I have run into an interesting situation and was looking for some advice/insight. So I have been working with a potential client and it would be a very large account if I can write it. In the last 4 years they have had 8 auto claims, 6 of those claims were glass windshield claims, all on the same vehicle. The other two were unrelated comp claims. My underwriter agreed to write the auto policy, but she wanted a $1000 deductible on all 4 vehicles, they previously had a $100 deductible. They will still have a $50 glass deductible with my quotes, but all other comp losses will be $1000. When I presented this to the client earlier today, they advised that the vehicle with all the glass claims has a windshield defect, where every time they install a new windshield, it cracks and then webs within 6-8 months. They do not want to have a $1000 deductible on all vehicles just because of a defect on one of them. I guess my question is how would an underwriter take this into consideration? Essentially they will always have an auto loss to pay out as long as the client owns this vehicle, because the glass will continuously break and they will continuously pay the claim. Thoughts? [link] [comments]  |
| Other party's car insurance wants to total my car - can I force them to repair it? Posted: 11 Jan 2018 06:31 PM PST I was involved in an accident where a 15 year old stole his mom's car and hit me while making a left turn. The other party's insurance accepted liability, but now are telling me they're ruling my car a total loss. I have an older car (from 2000) and the damage is repairable - they're totaling it because the airbags went off, structurally everything else is fine. It has low mileage and the upkeep is ridiculously cheap; I can't afford a new car at this point and they lowballed me on the total offer. Can I force them to repair the vehicle? Or am I going to be forced by them to buy it back and deduct the buyback amount from the offer? State is AZ. Thanks in advance for any help. [link] [comments]  |
| Proving liability for medical expenses- howmowners Posted: 11 Jan 2018 02:03 PM PST On new years eve I was at my friends house and there were fireworks. One of the mortars was put in the tube upside down and when it exploded I was hit in the face with a considerable piece of debris. It broke my jaw, knocked out a tooth and blasted a hole in my lip. So now I'm dealing with their homeowners insurance. On the one hand, I don't want to screw them over on their rates or get them booted off their insurance. On the other hand I feel like they are liable considering they had the illegal fireworks on their property and one of the occupants of the home loaded the mortar wrong, causing my injury. I guess I'm just asking for some general input on how to navigate this process. [link] [comments]  |
| International student in the US looking for health insurance after graduation. Posted: 11 Jan 2018 05:10 PM PST Am currently in the states post undergrad working on my OPT and was wondering what I should do for my health insurance. [link] [comments]  |
| Posted: 11 Jan 2018 05:03 PM PST For the past several months, I've been paying around $150 with GEICO; the primary driver was my father, because he, in fact, drives this car the most. However, recently, GEICO has switched the primary driver to me (because I'm the owner), which will cause my monthly payment to increase by $100, as I'm under 25. I feel like this is very unfair because we rarely drive the car, and when it is driven, it's by my father. Could anyone please provide some advice on what could be done? I live in New York, if that matters. [link] [comments]  |
| Posted: 11 Jan 2018 08:14 AM PST Hello, fine, knowledgeable people. So the neighbor's tow truck guy dropped off his car, which rolled back into mine causing damage (about $1700 per estimates). I finally talked to the tow truck company and he said they work with a body shop like they want to fix it themselves. I'd rather have the cash like an insurance company would pay. Do I have any options, or will I have to settle for a fixed car? I am in Missouri. [link] [comments]  |
| GEICO or Liberty Mutual Auto insurance? Posted: 11 Jan 2018 01:37 PM PST Looking for any feedback on experiences with Liberty Mutual Auto Insurance? I currently have GEICO auto insurance, but could save a little money switching to Liberty Mutual, so just wondering if it worth it? Obviously, saving money is always good, but it isn't that much money if Liberty Mutual is horrible to deal with.... [link] [comments]  |
| Calculator for right amount of home insurance Posted: 11 Jan 2018 09:32 AM PST Is there a calculator to estimate the right amount of home insurance? I may be carrying too much insurance for my home and am looking at reducing some of the cost. [link] [comments]  |
| [TX] Total Loss Claim - How soon does insurance have to pay? Posted: 11 Jan 2018 10:18 AM PST If feel like the insurance company is trying to get away with this, so if you have any advice on what they are legally obligated to do, I would greatly appreciate it. I was involved in an accident where the other driver was at fault and the insurance company determined that my car was a total loss. The accident occurred on 11/15/2017. On 11/22/2017, the claims handler informed me over the phone that they were going to total my vehicle. On 11/30/2017, the claims handler sent an email with the vehicle valuation and their offer for payout. She also advised that we would have rental car coverage for an additional 14 days. On 12/29/2017 we received, via regular mail, a check in the amount of their valuation and a document we had to sign stating whether we were accepting their offer or refusing their offer. I have asked them to extend their rental car coverage to the date that the check & the document were received because that is the earliest we would have been in receipt of the funds to replace our totaled vehicle. However, they insist that their coverage is only for 10 days after the car has been declared a total loss and they, as a courtesy, have already extended a total of 30 days of rental car coverage. In addition to this, they have fought with us on the value of the car--by attempting to use a comp that had about 30,000 more miles than our vehicle--and by refusing to replace our infant car seat that was involved in the crash. We have been able to get them to agree to a higher valuation and full reimbursement for the car seat, but this rental coverage is still up in the air. Any advice or suggestions you have are so greatly appreciated!! [link] [comments]  |
| Is this a HIPPA Violation? (Re: Insurance billing) Posted: 11 Jan 2018 04:27 AM PST Sorry for formatting—just woke up and on mobile. I tried to Google my issue, but only got results about parents getting medical bills for their minor children. I went into the ER in late September. FINALLY received a bill last month from my ER physician—however, the bill went to my parents' house, an address I haven't lived at in a decade. I did not provide my parent's address to the insurance staff member who came to my ER cubie, since my wife is my emergency contact. The only guess I have is that they billed me incorrectly and got my parents' address in that process through my health insurance company. (My mom and I used to be served by the same major insurance company, albeit through different employers). I gave them my home address, too. Can I make a HIPPA complaint, or should I let this go? I plan to call them today to correct the address on file. I'm mainly irritated about the incorrect address and that I only found out about the bill (past its due date) because my mom opened it. (I know, I know. She and I don't have the type of relationship where this is or ever had been an ongoing issue.) [link] [comments]  |
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