Car was stolen for more than 30 days, but recovered before the title was transferred to the insurance company. Insurance |
- Car was stolen for more than 30 days, but recovered before the title was transferred to the insurance company.
- Making a critical illness health insurance claim ... from 2017. Help.
- Travel insurance & lost item
- Car insurance: why get Uninsured Motorist BI and health insurance?
- Security lowers rates?
- (Re)Insurance glossary and resources request
- Short term insurance for a pregnant spouse
- Need help on car insurance + liability
- Car Insurance Comparison and Recommendations?
- Home owners policy question
- How often does Geico run MVRs (driver records)?
- Medicare and supplemental insurance
- Reassignment of Medicare benefits
- Progressive is asking (forcing) us to completely replace our roof or drop our coverage. Do I have any means for recourse?
- Borrowing family car in a different state
- American Home Shield coverage.
| Posted: 28 Oct 2018 10:14 PM PDT My friend's brother has a car that he was still making payments on. His car was stolen for 34 days, 4 days past the timeframe that State Farm has in order to be eligible to pay out the loss. However, 4 days after the 30-day mark, the police department called him and said they had recovered the car. After he called the insurance company, they said that because the title hadn't been transferred to them yet, the car is still technically his, and he is also responsible for paying the fee to remove the car from the impound lot. While nothing of value was stolen from the car, he received it incredibly dirty and the car reeking of cigarettes - something that's basically impossible to fully remove. Since he purchased the car, he's invested a lot of time and money into keeping the car detailed and clean. Is it legal for the insurance company to deny a payout after the stolen car timeframe was met but the title transfer to the insurance company didn't happen soon enough before the car was recovered? [link] [comments]  |
| Making a critical illness health insurance claim ... from 2017. Help. Posted: 28 Oct 2018 04:24 PM PDT I live in Canada and have been a member of my work health insurance since 2014. I was sadly unaware of my benefits coverage, and was under the impression it only covered dental/prescriptions/massage therapists etc. In May 2017, I was diagnosed with malignant melanoma stage 1a with a Breslow depth of 0.28mm. My benefits book, which I just found at work tonight, states under the critical illness section: non life threatening cancers like melanoma under 0.75mm must be diagnosed by a physician and supported by a pathology report (which I have). The benefit will provide 25% of the principal sum. How to claim: written notice of claim must be filed within 20 days after the diagnosis, or as soon as reasonably possible. Since I was unaware of my benefits coverage and just found out tonight, is this considered reasonable? I will be calling them first thing tomorrow morning but am unsure how to approach this situation. Any advice is greatly appreciated. This is a big deal for me since I took a lot of time off work last year to deal with this (physically and mentally). [link] [comments]  |
| Posted: 29 Oct 2018 03:02 AM PDT I'm on a working holiday visa, I went to the swimming hole yesterday and lost my glasses, I retraced my steps and they were/are gone. I had planned to go back today to see if they had been put into lost & found but tragically, two people died just an hour after I left and now the whole area is boarded off. I can't drive without my glasses, what are the chances my insurance will cover new ones? [link] [comments]  |
| Car insurance: why get Uninsured Motorist BI and health insurance? Posted: 28 Oct 2018 04:18 PM PDT This applies to any State, but why would you need tl get Uninsured Motorist BI that pays 15~50k in case of accident when your max deductible for health insurance is like 2k? I'm never going to pay more than 2k out of my pocket, so why do I need to get medical expenses paid by Car insurance? [link] [comments]  |
| Posted: 28 Oct 2018 10:36 PM PDT How much does having one or more security guards reduce the cost of insurance and does special training for the guards in question reduce the rate even more? [link] [comments]  |
| (Re)Insurance glossary and resources request Posted: 28 Oct 2018 07:15 PM PDT Hi Guys! I recently just graduated and got hired as a Reinsurance Broker in Australia. It has been 3 months since I work here, and the work environment is very supportive as well. I am a part of a small broking team in which we deal purely reinsurance business. The only problem I have so far is that I didn't quite understand all the glossary and term used for re/insurance purposes, such as "pre-agreed", "facility", " line size", etc., as I never touch anything remotely similar to insurance during my uni (I currently hold Master degree in Commerce). My supervisor is supporting me all the time with the knowledge, and I feel pretty bad that I have to ask him often regarding the inquiries coming from our client if I don't understand the terminology. So, can you guys suggests any good read or documents that covers majority of insurance/reinsurance terminology ? Many, many thanks before hand! [link] [comments]  |
| Short term insurance for a pregnant spouse Posted: 28 Oct 2018 05:43 PM PDT I work in the US and recently married someone from another country. She's coming to the US soon, and is 3 months pregnant. I'm new in the US and didn't know about the 30 day window after marriage to add your spouse to an existing insurance plan. She will be covered jan 1st, but until then will be in insurance limbo while living with me. I need some kind of insurance plan for the next 2 months in case anything goes wrong, but it seems like most travel insurance and short-term insurance plans have far greater restrictions on what exactly is covered and consider pregnancy a pre-existing condition. Is there anything out there which would provide a good safety net in case something goes horribly wrong in the next 2 months? I have a decent job and can cover any minor expenses that come up or routine checkups until then. [link] [comments]  |
| Need help on car insurance + liability Posted: 28 Oct 2018 11:52 AM PDT I recently got into a car accident that totaled my car, at fault. I had insurance and took the payout, but don't have the ability to get a replacement car based on the value. I cancelled my policy and am borrowing cars to get around, getting a rental for long trips and doing Uber for short trips. I'm based in California. Most of the cars I'm borrowing are family (Mother and Sister), they're insured. I am not on those policies but they have comprehensive coverage. That said, my understanding is if I'm frequently using their cars, the policy goes with the car, not the driver. But I've had confusing information from my research. I'm wondering if I should get Non-Owner Car insurance to protect myself. Or in the case I get stopped by a police officer and have to show proof of insurance. Would the policy on the car, purchased by the owner qualify as proof of insurance? Or would I be liable for driving without insurance. Can anybody provide clarity? I'd highly appreciate it. [link] [comments]  |
| Car Insurance Comparison and Recommendations? Posted: 28 Oct 2018 02:47 PM PDT I'm currently insured with Allstate, and it's up for renewal. My current premium is $909 over 6mo, which is ~100 higher than it was the last time. Because of that, I've been shopping around and have noticed Progressive having much lower rates. I'm 23 in Texas, drive a '16 HRV that I own, drive 10-15miles a day, and have a clean driving record. My current coverage include: 100/300/100 Liability 100/300/100 Uninsured $750 collision and $500 comprehensive deductibles $2k Medical Payments $30/day rental reimbursement I'm ready to dump the rental reimbursement because that seems like a terrible value, which will save me $43 on Allstate. On progressive I can get a comparable policy (wo/rental) for $502, which seems like a no-brainer. My questions are: -What are opinions on Progressive over Allstate? I've never had a claim, and haven't had any real issues with Allstate over premiums constantly going up. -Progressive also offers CSL options for liability. What are your thoughts over a $300k CSL (+$27) or a $500k CSL (+31) instead of 100/300/100? -Does anyone have any opinions on Snapshot or the Deductible Savings Bank? I've read some scary things about snapshot, and the DSB seems like an HSA except it just seems like something Progressive could hold over my head if they raise my premiums or otherwise make me want to swap insurers. I'm leaning towards the $500k CSL from Progressive for $503/6mo, which seems to give me strictly better coverage than Allstate at almost half the price. Thoughts? [link] [comments]  |
| Posted: 28 Oct 2018 01:55 PM PDT I had an accidental spill of bleach down from my laundry room down my steps. Wife replacement of carpet in this situation be covered? [link] [comments]  |
| How often does Geico run MVRs (driver records)? Posted: 28 Oct 2018 07:41 AM PDT I am 23; I am still under my parents car insurance plan. We've been good customers with one at-fault accident in December 2015, and one not-at-fault accident in January 2013. The driver profile is two 57 year-old drivers, one 27 year-old, and me. We've all had a quite clean driving record and have been with the company for well over 10 years. Last weekend, I got a speeding ticket in my resident state, which does not assign points (I think). This is my first ticket since 2013 or 2014--well beyond the 3-year driving experience that they check. I can take "driving school" in my state and have it removed from my record. Not sure if it's worth the money, depending on the answer to the below question. I've read mixed results on how often Geico checks its insureds MVRs, ranging from every renewal to never. So, does anyone know how often MVRs are ran? Should I do the driving school to remove it from my record? [link] [comments]  |
| Medicare and supplemental insurance Posted: 28 Oct 2018 09:35 AM PDT We're in North Carolina My husband and I will soon lose our private insurance due to him turning 65 (one year before I do). I know for the year he turns 65, I will need to buy private insurance for myself via AMA. I've been researching Medicare, what it covers and supplemental insurance but a lot of the info I'm finding is marketing info and it's hard to tell what to do. Are there some good resources for how to navigate this change? Our current insurance is very, very good and we both have inflammatory arthritis and he has heart issues, so I want to make sure we have the best coverage we can afford. We currently pay about $1900/month for our private insurance through his old employer (we're both retired). Our budget allows us to keep paying that much once he turns 65 so we have the resources to purchase good supplemental insurance. I just don't know how to go about finding good options. [link] [comments]  |
| Reassignment of Medicare benefits Posted: 28 Oct 2018 09:13 AM PDT I am trying to gain a better understanding of the insurance/economic side of healthcare, specifically as it relates to the physician assistant profession, but I am confused by the concept of benefit reassignments. What does it mean to reassign benefits and how does it impact healthcare providers? [link] [comments]  |
| Posted: 28 Oct 2018 12:23 PM PDT My wife and I received a written notice from Progressive (Homesite) regarding the roof on our home. We just purchased the home in June 2018 with the roof not cited as an immediate concern. There is no structural or performance indicators to indicate that a new roof is necessary. There is natural wear-and-tear evidence typical of a roof that is approximately 12 years old. Progressive is stating that we must replace our roof, with evidence of work performed and structural integrity, by February 21, 2019. We have been in contact with several roofing companies about replacing our roof in the next year or so anyway, but as we just purchased our home with no roofing issues cited, this seems very suspect to me. Do I have any recourse to fight this, such as having separate roofing inspection performed? Is it time to look for a different insurance company? [link] [comments]  |
| Borrowing family car in a different state Posted: 28 Oct 2018 11:55 AM PDT Hey guys, I am moving out to CA and I was planning on borrowing my parents car. The car is in my parents name. Do I need to re-register the car in CA even if it is not mine? I was just planning on buying insurance in California. Will there be a problem if I get into an accident? Will my insurance company not cover me? [link] [comments]  |
| American Home Shield coverage. Posted: 28 Oct 2018 07:30 AM PDT Hey guys, I've been seeing these commercials on TV and also been having issues with my boiler and thought I would look more into this. Will they cover a boiler that was installed in 1981 and that I've done the repair work on? About a week ago the pilot went out and I replaced the aquastat, gas valve, expansion tank, pressure reducing valve and relief valve. But talking to my buddy who's an HVAC installer, he mentioned that he would condemn my unit still because of rust and lack of integrity. Can I still purchase this coverage knowing what I know? Would they replace it? After looking at their contract, it looks like they only pay $1000 towards HVAC? contract I guess I'm just a little confused on their contract language and coverage. [link] [comments]  |
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