Hit a giant rock in the road Insurance |
- Hit a giant rock in the road
- Young new dad (23), I'm somewhat low income and will be paying over half my check on insurance, not including taxes. Very stressed and need advice.
- Automotive Accident
- Car slipped out of the road
- Asked to pay back huge "ineligible" expense on FSA card
- Verification of Claims
- Medical claim denied due to "inpatient" status, unsure what to do next. Any assistance appreciated. Enormous liability.
- Brand new car Diminished Value claim with GEICO
- Car fire liability?
- Total loss - no title
- Canceling home insurance, policy holder deceased
- 1st time experience
- How exactly does short term/long term disability insurance work? Do I have to take approved leave from work? Can I maintain the policy when if I have to leave my job due to illness/injury?
- Claim from a police report not reported by me - How to handle
- Different Accounts of Events in Auto Insurance Claim
- Claim has been filed by insured but now we don't have the car...help?
- Car Insurance quote seems too low!
- FSA
- Can I choose between Work insurance and Parents insurance?
- (22) Involved in a T Bone collision, car is most likely totaled. Just looking for a couple answers
- Pension insurance?
- Question about Additional Insured Endorsement
- Weird dental insurance charge
- Weird Auto Rate Increase
- Med-pay and Medical Liens
| Posted: 09 Jan 2019 02:44 AM PST Hey guys, so I'm uninsured because my car is through my mom's name and she's really bad at keeping up with payments and I never really thought too much about It until now. I was driving at night and there was a giant road colored rock that I didn't see until I was 10 feet away from It, didn't have enough time to brake, both airbags went off, car got totaled. Police officer told me I'd need insurance to pay off the damages done to the car and the towing fee and such, and if not I'd have my license suspended. I live in Indiana. Is there any possible chance I could get insurance for this already totaled car, or am I crap out of luck? Also, if I'm crap out of luck, how long do you reckon my license will be suspended for? 😅 [link] [comments]  |
| Posted: 08 Jan 2019 09:49 AM PST So I have a great job I love, and thanks to the benefits I had health insurance for the first time last year. I just had my first child on December 21st with my fiance, who is not going back to her current job and looking for something new. I'll be very transparent with my finances. I make $10 an hour, 40 hours a week. For just me on my insurance, it's $240 a month, so instead of bringing home $1600 a month, I bring home a little over $1000 after taxes taken out. Which is fine, it's great having insurance and taxes are taxes, suck for everyone. Adding my son to my insurance will cost an additional $240 a month. This will leave me bringing home about $800 a month. It seems really high to be paying 30% to 40% of my check just in insurance, and is going to hurt me a lot. I have supplemented my income by doing transcripts on the side as a contract position. So I work about 20 hours a week on these, and bring home about $800 a month. Since this is a contract position, I'll owe a lot of taxes on this money, and am really bringing home probably $400 to $500 if I'm lucky since I'll owe Social Security and Medicaid plus regular income tax. It's really going to hurt to work 60 hours a week like this and bring home so little. (About $1200 of the $2400 I'm earning.) I feel like I'm working just for insurance with my full time job. What other options could I be looking at? Could Affordable Care be available to me even though my company offers insurance? Could my fiance and baby be on Medicare while she's unemployed looking for a job? Just any advice for a young dad who feels way over his head is greatly appreciated. Thank you. [link] [comments]  |
| Posted: 08 Jan 2019 09:28 PM PST I was in an accident in which the other party was found to be at fault. I just got a call from the insurance adjuster, stating that the car is not totaled. He visually estimated $8,000 in damages(they are taking it to the shop to see how much damage was done underneath the hood), and told me my car is worth $20,000. He told me the car is only considered totaled if the total damage to the car is 75% of the value of the car. I do not believe my car is worth $20,000, I believe that if I had sold or traded in my car pre-collision, I would have been able to get anywhere between $16,000 and $17,000. This is what Truecar/Edmunds/KBB appraised it at. Scenario: If the car is fixed, and we go to trade it in at the dealership and they only offer me $16,000 will the insurance pay me a dimished value of $4,000 since they appraised it at $20,000? I'm hoping the car will be totaled. Do you guys have any tips on suggestions on how I can convince them to total it? Thank you for your time and feed back. [link] [comments]  |
| Posted: 09 Jan 2019 01:11 AM PST My friend's car slipped out of the road in a road trip in Vermont. One of the passengers was injured. His car is registered and insured in New York. However, the insurer refused to cover the medical bills because it found the passenger's aunt also has auto insurance. The passenger's aunt refuses to use her policy because she is afraid of the raise of premium after the claim? What should the passenger do? Edit: she doesn't have her own personal medical insurance... (As bad as it sounds).... [link] [comments]  |
| Asked to pay back huge "ineligible" expense on FSA card Posted: 08 Jan 2019 08:26 PM PST Last year my daughter needed a helmet due to plagiocephaly and long story short we knew that insurance didn't want to cover the expense because they said it was "cosmetic," but the doctor suggested we try running the $900 on our FSA card. We did and it went through, no problem. Or so we thought for several months. Recently I tried running my debit card for a doctor's visit, only to have it rejected. When I called my insurance they said that my daughter's helmet was an ineligible expense and that we need to pay back the $900 in order to use our FSA account again. I'm baffled because the card went through initially and the payment was cleared by the orthopedic. Usually if something isn't covered my FSA card will get rejected immediately. Anyway, we don't have $900 right now. If I had known the FSA would be rejected, I would have set up a payment plan with the orthopedic. So now what? If we can't pay the amount will we get put in jail? Will it ruin our credit?? [link] [comments]  |
| Posted: 08 Jan 2019 11:16 PM PST Located in TX. I was involved in a car accident last year. My car was totaled, the other driver was 100% at fault and their insurance accepted full responsibility- we did not go through my insurance at all. However, I was just shopping around and one quoting website listed "incidents" and showed the accident. It didn't give me any details- just the month/year. Does this mean all insurance carriers will see this accident and possibly use it against me? Is there a way to verify my "incidents" to verify that it is not listed as at fault or listed incorrectly? I apologize if this is confusing, but seeing that I have an accident listed on a public database, where the other party was 100% at fault, is stressing me out. Thanks in advance! [link] [comments]  |
| Posted: 08 Jan 2019 11:38 AM PST Hello, I suffered from appendicitis recently. I called my doctor upon waking with pain in my abdomen, and he informed me to immediately head to the ER. Please find below a schedule of events: 10 AM: Arrive at ER 2 PM: See nurse, get a scan 5 PM: Appendicitis confirmed, told surgery must happen ASAP. 8:30 PM: Laparoscopic Appendectomy performed 11 PM: Make it back to a room I was transferred to. In intense pain, was not able to sit up or walk 10 steps without assistance. Slept overnight 3 PM Next Day: Finally show signs of bowel sounds, doctor allows me to go home. Doctor was adamant I had to be admitted, I assume because by the time that I got out of surgery it was already so late. I slept overnight in a private room. I was at no point given a choice in the matter (perhaps I am naive and wasnt aware of my rights to demand NOT to be admitted, but who would do that in pain, unable to walk to the bathroom unassisted, at almost midnight?) My insurance company paid all of my claims, including the anesthesia and surgery, except for one ludicrous line item titled "Inpatient Services". I can only assume this is for everything that was done for me while I was in the room. It is roughly 30,000, which is money I do not have. Their reasoning being, essentially, that laparoscopic appendectomies do not require admission and mine was therefore not medically necessary. Claim denied. I make a decent salary (70k), too much to qualify for the hospital's financial assistance, but that doesnt mean I just have 30 grand lying around to spend on the world's worst, most expensive hotel room. I know that I need to file an appeal. Here are my questions. All opinions are welcome and I'm thankful for all of you, but anyone with professional background is doubly appreciated. One last point. I have no doubt that many of you have horror stories about working with insurance companies. Some of you have likely worked as claims adjusters in the past, and I assume you are all no different than the general population in terms of your good/bad attributes. I am not interested in sympathetic posts or ones telling me how screwed I am. I am only interested in proactive advice for reducing my financial burden to the fullest extent possible. If you have none to offer, then at the very least, accept my thanks for taking the time to read this. Its comforting to know that other humans cared enough to read about my problems. All that being said, my questions:
I am 24, have no significant attachments, and no debt. I have liquid assets of roughly 20k. Of course, I have almost no hard assets, so those liquid assets represent almost everything I own, including investments that I would be forced to offload at a significant loss were I to need everything. I hope this post has led you to see me as a pragmatist. I was angry at how "unfair" this was for about 3 hours. Now is the time to try and solve it. I am willing to do anything and everything to attack this problem. If you have something you would like to share in a PM, those are welcome as well. Thank you all so much. Much love. [link] [comments]  |
| Brand new car Diminished Value claim with GEICO Posted: 08 Jan 2019 10:04 PM PST My brand new Mercedes AMG-C43 Coupe (literally BRAND NEW!!) with less than 100 miles on it got rear ended by a young man who is carrying GEICO. It was severely damaged and I would estimate $7-8K in repair, or even more. Now since the car is brand new, I would anticipate that its value really drops a lot (probably around 10% of its MSRP? which should be more than $6K). My questions are:
FYI, I am in California. [link] [comments]  |
| Posted: 08 Jan 2019 01:51 PM PST Live in Michigan. My vehicle caught fire in a fast food drive thru. I don't carry comprehensive or collision and only have liability. I towed my vehicle to yard and got that taken care off. The insurance company of the fast food store, told me I am liable for the damages. My insurance company told me I am not and I did not show any signs of negligence. I asked the fast food company to show why I am liable? My insurance won't cover the damages? Am I screwed!? [link] [comments]  |
| Posted: 08 Jan 2019 08:38 PM PST my car was inspected today after being rear ended at the other drivers full liability and the insurance adjuster has yet to get back to me but says it's most likely going to be a total loss as my car is fairly old and the damages exceed the value. unfortunately, I am having trouble finding the car's title and am worried about how this may affect my options. assuming I choose not to keep the car, can I still get my settlement and have the car taken without the title and simply fill out a title transfer or will I need a duplicate title in order to get any sort of settlement? also will the offer be revoked if I don't have the title on hand? [link] [comments]  |
| Canceling home insurance, policy holder deceased Posted: 08 Jan 2019 01:46 PM PST Sorry in advance, I'm on mobile. This is in Colorado, USA. I'm handling someone's estate, which includes a house that they purchased brand new, in cash, and has always been owned free and clear. The home was insured, paid up to date, and it recently expired. Well before that, the person that inherited the house took out their own home policy. The new owner's insurance said to ignore the renewal letters and it would resolve on it's own. Fast forward a few weeks, and the old insurance company called me stating the account renewal payment was past due. I politely explained that the policy holder passed away, and thus, the policy would not be renewed. They then demanded that I supply them with the new insurance policy and proof the the person that inherited the house does in fact own it. Am I correct in thinking that is crazy inappropriate and invasive? Nothing about a death certificate, which is all they should need to cancel a policy held by a deceased person, on a house without a mortgage. [link] [comments]  |
| Posted: 08 Jan 2019 11:40 AM PST Hi agents, Im new to the insurance field workspace, and I'm curious.. what was it like when you first started your journey as an agent? [link] [comments]  |
| Posted: 08 Jan 2019 02:53 PM PST I'm a little confused on exactly how I can maintain these policies if I am unable to work and I am sure I will be let go. I will not qualify for FMLA. Thank you! [link] [comments]  |
| Claim from a police report not reported by me - How to handle Posted: 08 Jan 2019 08:51 AM PST My son struck a utility pole several months ago. He called the police because he felt that was necessary. After driving to the scene to pick him up, my wife spoke to the police officer, and the officer indicated no report would be filed. There was minimal damage to the pole, but his car was undrivable, with both air bags deployed. I did not have comp or collision on the vehicle due to its value, and I decide to sell the vehicle as scrap to the towing company. I signed over the title to that company, and notified the BMV that the car was scrapped. Today I received notice from my insurance company that a claim had been opened with a date of loss set equal to the date of my son's accident. My guess is that the insurance company became aware of the accident from a police report. My question is, can I essentially get this claim removed? I purposely did not file a claim because I did not want this in the record. Just wondering if this opened claim is going to have the same effect as any other claim. [link] [comments]  |
| Different Accounts of Events in Auto Insurance Claim Posted: 08 Jan 2019 06:03 PM PST Just today my girlfriend was involved in a minor accident in my car. Here's the situation: She was in the middle of an intersection when the light turned red. She decided to reverse back out of the intersection so that she would not get hit (not what I would have done, but whatever). The rear of her car made contact with the front of a car behind her. My girlfriend claims that she reversed, stopped and the woman rear-ended her. The woman driving the other car claims that she was stationary and that my girlfriend backed into her. Cops come and they hear both sides of the story and give my girlfriend a ticket for "improper backing up" or something of that nature, even though they were not there when it occurred and there were no witnesses. The woman opened up a claim with my insurance and I opened one with hers. In a situation like this, what typically happens? I know the citation doesn't make it look good for her, but I'm curious to know how the insurance companies will figure out where to assign blame. There was very minor damage to my car and practically no damage to hers. I don't know if the woman will to the "ow my back" angle, but who knows. State is Ohio, if that matters. [link] [comments]  |
| Claim has been filed by insured but now we don't have the car...help? Posted: 08 Jan 2019 01:58 PM PST My dad's car was hit while parked in front of our house very early in the morning. My dad didn't have full coverage for this car so we had to go through the person's insurance. The problem was when we got the police report, the car that the driver drove was not his car. The driver had Geico insurance but the car was not under Geico. I tried contacting the driver but the number that was provided was no longer in service. The car was a total loss and was parked in front of our house for a good two weeks but the police came and told us we had to move the car due to street sweeping. My dad was stressed and couldn't afford to take the car to a body shop for it's daily fee so instead took it to auto salvage by the 3rd week thinking he should get at least something out of this. The car was sold for parts and two weeks later we get a letter from Allstate saying that a claim has been filed by the insured. They were going to take complete liability but needed to inspect the car. We have a bunch of pictures but no car. We had the car, but no help. We had the help, but no car. They told me that in order to get compensated they needed the car and unfortunately they can't progress further into the claim unless they got it. I was just wondering if there's any way my dad could get around this? I know it's a long shot but I thought I should ask. It's been stressful and my dad recently found another job and it's been hard having to share cars. We don't have enough money at the moment because my dad was unemployed for a while and it's going to take some time until we can save up enough to buy another car. Thanks! [link] [comments]  |
| Car Insurance quote seems too low! Posted: 08 Jan 2019 05:41 PM PST Shopping for car insurance (+ Home and Umbrella) and the 6 month price is half of what other insurance companies are offering. Are there 'tricks' insurance companies will use to offer a lower rate & worse product? (Car insurance is what I am specifically interested in and the deductible & insurance rate 250/500 is consistent across all quotes) [link] [comments]  |
| Posted: 08 Jan 2019 04:56 PM PST Can I use funds for the current year 2019 to pay for bills from 2018? I haven't received some of the bills yet because they are still going through insurance etc... [link] [comments]  |
| Can I choose between Work insurance and Parents insurance? Posted: 08 Jan 2019 04:53 PM PST My work offers free health/vision/dental basic plans, and my parents pay no extra premium for having me on their plan. If I go get service somewhere, say vision, can I use my parents plan if it has better benefits for me? Or am I forced to use my work plan because I am the "primary" beneficiary compared to a "dependent" on my parents plan? Also assume you can't stack insurance (like get 2 fully paid eye exams per year) even if you go to like two different in-network doctors. [link] [comments]  |
| (22) Involved in a T Bone collision, car is most likely totaled. Just looking for a couple answers Posted: 08 Jan 2019 04:20 PM PST Title says the main part of the story, other drivers fault and my car will most likely be considered a total loss. I still had a note on it and it is likely worth about 2000 less than I still owed. Any idea what will happen? (i.e. pay my car off, just give some money etc) Also, I did have minor injuries compared to the severity of the accident to I went to the hospital and received a small settlement and ER bills covered from the other parties insurance for pain and suffering. I did not know this claim would happen so I had started the claim process with my insurance for personal injury. Should I continue the claim for PI with my policy as well? Is that illegal if I accept any money from my insurance? Any help would be really appreciated! [link] [comments]  |
| Posted: 08 Jan 2019 03:53 PM PST I am set to get a pension but I hear all the time about companies getting bought up and sold and them raiding the pension funds, is it possible to buy pension insurance? [link] [comments]  |
| Question about Additional Insured Endorsement Posted: 08 Jan 2019 09:30 AM PST I manage CGL policies for vendors at my job. We have specific language regarding covering my company as Additional Insured. When I request a COI, our requirements letter very plainly provides the language we need, and requests an endorsement. It reads: Additional Insured Endorsement must be attached to the Liability Certificate of Insurance. Only half the time we receive it, even though it also says right on the ACORD form that AI needs to be endorsed. Why isn't this something that agents/brokers automatically provide? Is it really necessary? Should I be asking for it in another way? [link] [comments]  |
| Posted: 08 Jan 2019 03:06 PM PST Hi there! If this is the wrong spot, or if you can think of another useful spot for this, let me know :) So, I received an itemized bill from my dental insurance for a cleaning I had back in December, and there was a $38 charge for "information". I called my dentist and asked what the charge was, and apparently it's a routine charge for the hygienist telling me how to brush and floss. Ok, sure, except she didn't tell me anything of the sort, and I didn't expect her to, as I'm an adult who has been brushing my teeth for as long as I've had them! I politely told the receptionist that, and he said that it was just a standard charge and "don't worry, as your insurance should cover it". WTH. Seriously? If I get 2 cleanings a year, then, on top of the other charges, they're receiving an additional $86 from my insurance to teach me how to brush my teeth twice a year. Multiply that by all the other patients they see (and my dentist office is a chain), that adds up pretty fast. Does anyone else think this is ridiculous? Who would I even talk to about this? I'm not sure what my end goal is here, but I'm a little frustrated and am left wondering for what other nonsensical charges my insurance is being billed? Thanks! Tl;dr: dentist office is charging $86/year to teach me how to brush my teeth twice a year. Is this SOP, and if it's not, who do I talk to? Update: ok, so I called the insurance, who said dentists do this all the time and to call the office. I called the office, who said that if the insurance doesn't cover it, I won't be billed for it, as per their agreement. That's all great but what? Is this just some convoluted thing that is part of medical billing that I'm not supposed to understand? [link] [comments]  |
| Posted: 08 Jan 2019 10:32 AM PST So I have had my auto insurance for half a year now and was previously on my mom's insurance with the same company. Today I was notified of a rate increase from a ticket in 2017. I am confused as this shouldnt have put points on my insurance (per my lawyer) and never increased the rate when I was on my mom's insurance and did not affect the price when I just applied. Is it odd to see the increase now, a full 2 years after the ticket? I know I got points on my dmv record but does that affect rates? Any help would be appreciated and I apologize if this is something obvious. Edit: I realize the ticket's case concluded in January but I got it in the summer of 2016. [link] [comments]  |
| Posted: 08 Jan 2019 01:08 PM PST Hello /r/Insurance, I have a medical lien from a car accident and access to med-pay benefits through my insurance for that accident. A lawyer that I spoke to mentioned that one way to use the med-pay was to use it at the end of the settlement process to pay off the medical liens. I am not certain I understand this strategy and wondered if anyone here has seen this done. I have access to 2 med-pay benefits (I was a passenger and thus can use the drivers and my own plan) one of which is subrogatable, the other is not. Is this strategy more complicated than it needs to be since I could be using the med-pay to cover my deductible costs? Thanks! [link] [comments]  |
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