[FL] A large hospital bill has gone to collection because insurance claims they never received it. Insurance |
- [FL] A large hospital bill has gone to collection because insurance claims they never received it.
- House still standing after fire destroyed town. Are there any insurance options?
- Food poisoning by supermarket products
- Insurance Asking for Another $200 in Premium
- Got rear-ended (minor collision). Questions about filing/not filing claim.
- Broker vs Underwriting Assistant
- Question about short term & long term disability approvals
- Wife denied as a dependent on my health insurance due to no SSN
- Car accident
- Leaking pipe in ceiling...
- Insurance says no, roofer says yes. Both inspected with different results. Roofer wants to change roof, insurance want to do minor repair after nor Easter. Where do I go now?
- Car Insurance re-opening a claim.
- Got in a collision 2 weeks ago. Other party has yet to give statement to any insurance.
- Question on health insurance, pre-existing conditions, joining the military, and database of medical records.
- Question regarding the general auto insurance and their ability to drop me. **plz help**
- Medical Transport from TN to IN
- Dental insurance issues
- UberEats' personal accident and liability insurance policy
- Am I being scammed by my car insurance company?
- Question about insurance?
- Small Business Commercial Liability Insurance Audit Questions
- Question regarding FEMA's NFIP: Received high repair cost from adjuster. Will FEMA require receipts?
- Am I allowed to carry two Health Insurance policies at once?
- Car Insurance: Other party's insurance has accepted full liability, now what?
- Life insurance questionnaire, help!
| [FL] A large hospital bill has gone to collection because insurance claims they never received it. Posted: 21 Nov 2018 04:15 AM PST My son was born in December of last year and we've been going back and forth between the hospital and insurance about getting these bills paid. Today we just received a letter from a collection agency for $13K for the bulk of the bills. We've been talking with the hospital and insurance almost weekly (since January) to get things straightened out but so far no luck. The hospital claims they send the info to insurance, insurance claims they never receive it. How do I get this resolved so we don't end up having to shell out all this cash on top of it ruining our credit? [link] [comments]  |
| House still standing after fire destroyed town. Are there any insurance options? Posted: 20 Nov 2018 01:41 PM PST Hi r/insurance my parents hometown burned in the Campfire currently still burning in Northern California. Although the majority of their neighborhood and town burned, their house is still standing, and has sustained minimal, if any, damage (they still have yet to be allowed back to to fully assess the property). My question is, as the vast majority of the town is burned and they will not be allowed to live in the residence for the foreseeable future, is there any options for an insurance buy out due to it being a disaster area? They have State Farm insurance, not sure of policy specifics, but can get them if it would help. Thanks in advance for any advice! [link] [comments]  |
| Food poisoning by supermarket products Posted: 21 Nov 2018 03:36 AM PST Hi If someone was severely food poisoned by supermarket prepackaged products, e.g., biscuits, can the victim seek damages from the supermarket or should they confront the biscuits maker? Are shoppers covered by the supermarket's public liability insurance for food poisoning by prepackaged stocks? [link] [comments]  |
| Insurance Asking for Another $200 in Premium Posted: 21 Nov 2018 03:19 AM PST I recently got engaged and bought insurance for my fiancé's ring. I got the ring outside of the state I currently live in, so I used my parents SF agent to connect with a local agent to get the insurance policy in my current state the day I got the ring. Over the phone, with the local SF agent, I paid $367 and shortly after received my application and binder receipt in an email. The receipt states that the Total Premium is $367 and the amount owed is $0 since I paid that. Now when I log onto my SF account it says that another $220 is due on 12/24 and the total premium is $587. There is a clause in the receipt/binder stating "The premium due State Farm for the coverage provided by this Binder will be the full annual premium for the policy for which application has been made, and will be pro-rated for the length of time coverage is provided under this Binder." So was the $367 just a prorated amount, or is there some kind of confusion? I have a hard time figuring out how $367 could be the prorated amount for less than 14 days. I am going to go talk to the agent in person, but if anyone has any insight that I could have before going I would appreciate it. [link] [comments]  |
| Got rear-ended (minor collision). Questions about filing/not filing claim. Posted: 20 Nov 2018 07:40 PM PST I was rear-ended, all parties involved are fine. It was a minor collision, but my rear bumper and lower cover need to be replaced. I've gotten 3 estimates all around $1,100, and of course they advised the cost could increase if they find more damage after taking off the bumper. The other party naturally wants to settle this without insurance involved, we however did exchange driver license and insurance card info. I'm wondering what is the best course of action. If we decided to settle this without insurance, what would my options be if the actual cost of repairs is higher than the estimate and the other party refuses to pay the difference (this of course assuming the other party pays the estimate in the first place)? Would I be able to file a claim then or would it be a mess since I did not file earlier? Or is the best option to not reveal anything to the other party at all and deal strictly with insurance? I was advised by one person at a body shop that the best way to file is to file with his insurance first, and if they give me the run around, then file a claim with my own insurance. Thoughts on going about it this way? My only concern with filing a claim with my insurance is the possibility of my own rates going up even though I was not at fault. Thank you in advanced. edit: format [link] [comments]  |
| Broker vs Underwriting Assistant Posted: 20 Nov 2018 06:05 PM PST Hello, soon to be grad, got two interviews. One interview is for a broker position at a Brokerage firm, second interview is for UA on a 6 month contract. Curious about pros/cons of both, scope of practice, which one has potential for growth. Would appreciate inputs. Thanks [link] [comments]  |
| Question about short term & long term disability approvals Posted: 20 Nov 2018 03:42 PM PST I recently applied for short term & long term disability as that is the only maternity leave that is available at my company. I was trying to be proactive in this as I am planning on having children in the next few years. I applied for this last year during open enrollment and was denied because of my history of depression. I worked to get off my medicines and haven't been to a doctor for this issue for 9 months. This year when I applied I was told I would have to go have my doctor submit a form of good health and submit my medical records because of the history of depression - so I did that - and was denied because of my history of depression 9 months ago AND an unrelated medical issue that I haven't been to a doctor for for at least a year that was not mentioned in the initial letter telling me to get the good health form submitted. I called the insurance company to see what the "standards" are for getting approved and the person I spoke to said there were industry standards for underwriting that were proprietary - so he couldn't tell me. In the denial letter I was told I could send another letter disputing this decision - so I have a few questions:
Thanks in advance! [link] [comments]  |
| Wife denied as a dependent on my health insurance due to no SSN Posted: 20 Nov 2018 07:01 AM PST Hi, my wife and I just very recently got married after she came to this country on a fiance visa. We are still obtaining the paperwork required to file for a social security number and I am in the enrollment period for the 2019 health insurance. I'm not able to add her on as a dependent because she doesn't have a Social Security and the help desk is not well helping. Looking online it says I should be able to add her as a dependent legally. Can someone shed some light on what the actual situation is? [link] [comments]  |
| Posted: 20 Nov 2018 08:00 PM PST My girlfriend and I got into an accident with someone who was very clearly a tweaker a few weeks ago. We were changing lanes at a stoplight. The speed limit was 40 mph, and this bitch was going at least 60 on the wrong side of the road. She bumped into the side of us, and there was little to no damage. Just a dent and a scratch on her paint. Long story short she called the police, she was ticketed, we weren't, and she filed an insurance claim expecting my girlfriend to pay for her damages. We're afraid that this may financially cripple us because we already pay up the ass for insurance anyway. Will we be held responsible for the damages that she has been proven to inflict on her own property? [link] [comments]  |
| Posted: 20 Nov 2018 07:29 PM PST A pipe in my ceiling is leaking... I discovered this while using the downstairs bathroom and someone in the upstairs turned on the water... the water is coming through the air vent and I can hear the stop sounds. The ceiling is fully tiled as is the floor of the upstairs bathroom... I don't see a way for the plumbing repair to be done without ripping up the ceiling a bit... Any chance insurance might cover this? [link] [comments]  |
| Posted: 20 Nov 2018 06:12 PM PST |
| Car Insurance re-opening a claim. Posted: 20 Nov 2018 02:17 PM PST Background I have a 2009 coupe car and had it for a month before all of this went down. Long story short, my car got into an accident. The other person was at fault. There was marjor fender issues. That got fixed. As soon as I picked up my car the battery was dead had to jump it - twice that day. The shop bought me a new battery. (They told me, two weeks later, l it was dying a ton during repairs but failed to mention hay to me - told me they"I assumed You didn't want to change it out") Fast forward to today. 2 weeks into driving car has had battery issues and assumed it was a faulty battery. Worked on jumps. Now it won't start. It gets towed to a close mechanic and states he can't figure out the issue. Next mechanic stated it's a battery term and the ECM. I believe the ECM and terminal could have been affected by the accident. An adjuster goes to the car and just looks at the battery terminal and says not related to the car. "We can't do anything to the car is fixed" How does this make any sense? Why does the car need to run to see if it's related to the accident. It seems like a direct correlation. Is there any wording or anything I can use for more help? State Farm's has been of 0 help and almost passive aggressive toward me when I'm just trying to get be right thing to be done. Thanks ! [link] [comments]  |
| Got in a collision 2 weeks ago. Other party has yet to give statement to any insurance. Posted: 20 Nov 2018 05:43 PM PST As the title says, other party has not given their statement to any imsurance. So his insurance will not provide a rental car without proof of liability, which they cannot not make until his statement is given. Is there anything I can do in this situation? [link] [comments]  |
| Posted: 20 Nov 2018 05:15 PM PST I recently went to the doctor and found out i have "borderline lupus" basically my body isn't in the greatest shape. But i've wanted to join the military. I also don't have an education so finding a job to cover my disability aside from the military would be unlikely. My first question, if i get diagnosed with lupus then go to a different insurance company and don't disclose it how would they know i had a "pre existing condition" how do people get denied for pre existing conditions when they could just get re-screened and then treated? (lie) If i join the military and do not disclose this i will get in. I'm confused on medical records and there being a "national databse of records" i thought one didn't exist. Meaning even if i went into the military and said i didn't disclose records if i didn't tell them my specific doctors name they wouldn't find it. Last question is on disability and how can i speak to an actual person in person about my potential ability to apply? [link] [comments]  |
| Question regarding the general auto insurance and their ability to drop me. **plz help** Posted: 20 Nov 2018 09:42 AM PST Hi guys, so I am in kind of a unique position and I am hoping yall can provide me with some advice. I currently have car insurance with the general out of IL. When I called them to ask what I need to do if I am planning to move to WI, they told me I wasnt eligible for insurance out of WI. He also said now that I told them I am moving to WI they may drop me. (After he said this I made it clear I was planning to move but would be holding off until I could get insured) so the guy basically said they may drop me for that. Now for the bigger concern. He also told me they should have never insured me in IL to begin with because of my driving record.(which they looked up when they first sold it to me...) After he saw it when he was trying to help me get insured in WI, He told me they were probably going to drop me for that aswell.... I had a few rough years facing some real struggles in life and crashed a couple cars but that's all been over and done with for quite some time. I have a payment due in 3 days. I am currently technically staying in WI, but I have an IL drivers license with my old IL address (my moms house). I just quit my travelling job a month ago and start work back up on Nov 21st but right now, I am very low on money. I have enough to make my payment but I am worried I am going to pay them just for them to drop me a few days later. Are they able to do that? Are they only able to drop me when the policy is up for renewal? What would you guys reccomend I do? Any advice you guys can give would be greatly appreciated, thanks in advance. [link] [comments]  |
| Medical Transport from TN to IN Posted: 20 Nov 2018 11:02 AM PST I also posted this in /legal. They recommended I post here. Hey everyone! First post and I'm looking for some direction. In July, while on a family vacation in TN my wife had chest pain. It would turn out to be severe myocarditis and pericarditis. We spent several days there, while family cared for our children and got them home for us, when it was determined that the level of care we would need was greater than the hospital could provide. One morning they come in with good news, "We've arranged for you to be transported back to Indianapolis." We have a hospital here in Indy that had the equipment necessary to provide for her. A number of times we asked if insurance had approved it and the answer we received was "yes". So, she was transported home much to our relief. Insurance, however, has denied both our claim and our appeal stating that there was a hospital closer to where we were that could have provided the necessary care, sticking us with a $60,000 bill that we simply cannot afford to pay. Insurance has stated that, as far as they are concerned, the appeal process has ended. While we knew of that hospital - and did want to come home - we never would have agreed to be flown home had we known that insurance wasn't going to pay for it. As I said, we asked several times if insurance had agreed and were told by the hospital that they had. We are, however welcome to appeal through a "third party", insurance states. My question to all of you is, where do we go next? Who do we need to speak to about this? I'm happy to answer any questions you may have. I'm not particularly good at all of this and may not have included information you needed. Thank you for any direction you can provide. [link] [comments]  |
| Posted: 20 Nov 2018 04:34 PM PST I'm not sure if this is the right place to post this but here's some back story. I recently picked up dental insurance as I needed some work done. I go to the dentist and get my initial xrays, full mouth (covered 100%), got some cavities filled and a crown put on the same day. A couple weeks go by and I'm still having pain in one specific tooth, so I go back and tell the doctor my concerns. He adjusts my bite accordingly, I ended up coming back another week later due to pain. The doctor used some light that detects cracks in teeth and and decided to put a crown on it. A couple days later I noticed that I have this blistery, bruised spot next to the tooth with the new crown. He determined I had an infection, but to be sure he took an X-ray of the tooth to see if there was root damage (there wasn't) so I got some antibiotics and that didn't help. I was told if that doesn't work then I will need a root canal. Now, given the other dental work that took place in between and prior my insurance cap was met after the cavities were filled. So it seems all this extra (X-ray, crown, root canal) will be directly out of pocket. After every appointment the receptionist asks me how much the doctor said it would be. Like they don't have set prices, like the doctor makes it up person to person? I will be looking at over $1,200 out of pocket, is there anyway I can dispute this? I already had X-rays and was told I would not need a root canal, just a filling. Than I was told just a crown not a root canal, now I'm being told no crown and yes on the root canal. I apologize for the format and long explanation but this is why I went to a professional. If I wanted to take my chances I would've tried the work on myself. Thanks in advance for the help. [link] [comments]  |
| UberEats' personal accident and liability insurance policy Posted: 20 Nov 2018 07:33 AM PST Hi UberEats claims to provide insurance for all delivery riders on personal accidents and public liability. How does the insurer know how many riders are being insured? Even UberEats can't specify the number of partners there would be on a given day. Surely the premium would be quite different if there were just 100 riders rather than 10,000 riders. [link] [comments]  |
| Am I being scammed by my car insurance company? Posted: 20 Nov 2018 04:14 PM PST Hi, so I'm reaching for help. In September I was in a motor vehicle accident. I live in Illinois and I'm having problems with my insurance company. I feel like I'm being scammed. Can anyone help me make head or tails of what is going on? The adjuster said that the repairs will be $3406.92 minus $500 for my deductible. I also had to pay 60% for a front tire that is $59.37. Those tires were new barely three months old. So I sent that reciept to my insurance company. I sigend the check over to the repair company to have it fixed. When the repair guy took apart the van he said he didn't feel comfortable repairing it. He sent letter to the insurance company stating it wasn't fit for repairs. So the insurance company sent another letter saying it will be a total loss. So the value of the total loss is $7,402. Minus my $500 deductible plus the $2,847.55 for the initial payment. So I'll get $4,054.45. I thought I already paid the deductible and no repairs were made on the van. So where is my $2,847.55? I feel like I'm getting screwed here. What are my rights? What can I do ? Sorry I'm typing this on my phone. I apologise for the format. [link] [comments]  |
| Posted: 20 Nov 2018 03:23 PM PST Hi so I recently got hit bar a car, it was totally may fault, cops fame got a ticket and all that. I'm just trying to figure out how fucked I am financially. Would i have to pay for the Damages to the car for example? Thanks [link] [comments]  |
| Small Business Commercial Liability Insurance Audit Questions Posted: 20 Nov 2018 03:18 PM PST 32 Years in business and no claims ever. The audit is for 2017-2018. Florida.
[link] [comments]  |
| Question regarding FEMA's NFIP: Received high repair cost from adjuster. Will FEMA require receipts? Posted: 20 Nov 2018 11:56 AM PST My downstairs recently flooded during a torrential rain storm. Fortunately, I had NFIP insurance. The adjuster quoted me $20,000 for repairs. The damage may actually be this high; I haven't called a contractor yet to get quotes. However, there are things on the itemized list that will be difficult to show receipts for (e.g. $1,000 to fill dumpsters with damaged items). My question is how are these things handled? Will I simply get a check from FEMA for $20,000 or will I need to show receipts for things? Lets say I want to do the repairs myself. Can I buy tools in place of labor? [link] [comments]  |
| Am I allowed to carry two Health Insurance policies at once? Posted: 20 Nov 2018 07:42 AM PST I've been comparing benefit costs through my employer vs my wife's employer. It seems we can save some money using my wife's employer health insurance instead of mine. However, her open enrollment period is in June and mine is in November. Can we enroll with her insurance in June and just keep paying the premiums on my plan via my paycheck until November, and then drop my employee coverage? Are there rules against that? Thanks! [link] [comments]  |
| Car Insurance: Other party's insurance has accepted full liability, now what? Posted: 20 Nov 2018 07:41 AM PST On 11-09-18 I was rear-ended while stopped at a red light. Everything has gone smoothly so far from what I can tell. There is a small crack in my bumper and some scratches. She has Allstate and they had me submit photos through their app. They emailed yesterday and said they accepted full liability. They did an estimate via the photos, though I don't know how to read much of what it says, however the total settlement amount is $243. When looking at the claim online it is now asking me how I want to accept the settlement. I am unsure of the correct process from here. Do I claim the money and then take it to a body shop or do I leave it until after the body shop has done an in-person inspection and comes up with actual cost to repair it? [link] [comments]  |
| Life insurance questionnaire, help! Posted: 20 Nov 2018 08:30 AM PST I'm opting for increased supplemental life insurance through my employer (wife is expecting and has lower earning potential, so it seems wise), and am a bit flummoxed by one of the questions: "Has any person applying for coverage EVER HAD symptoms, been diagnosed with, and/or received treatment....for ANY HEALTH CONDITION other than those conditions listed above?" (emphasis in original, including the slightly desperate italics). I get why they're asking, but there's no way I can give a comprehensive answer. It technically requires disclosure of every cold and case of athlete's foot. I'm going for a high value policy (just under 1M), so I'm worried that post death they might try to contest the claim. 1.) How worried should I be about that? I can only think of two remotely relevant old conditions (and would disclose them), so any omissions would be minor. I'm in my 30s and in good health, so there's nothing particularly to hide. 2.) How much does the answer to Question 1 change after two years? Thanks! [link] [comments]  |
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