Up and Coming Underwriter Insurance |
- Up and Coming Underwriter
- [NV] Car insurance company reported wrong VIN to DMV and car registration has been suspended for "insurance lapse" that never happened. What are our options?
- Renters Insurance help. Water damaged MacBook. Am I covered?
- PreAuthorization and Health Insurance Changes
- Is it normal for liability insurance to ask for deposit?
- Denied short & long term disability coverage based on a likely misdiagnosis (FL)
- Home Owners Insurance/ Renters Insurance?
- Pre-existing conditions
- Seeking advice on uninsured motorist claim and subrogation of the settlement. (Indiana)
- Minor accident on carfax? Jacked up rates?
- Auto insurance claim question
- We were robbed. Will my rental insurance cover the things stolen from my housemate?
- I think my wife totaled my baby. Do I need to do anything before calling my guy?
- State Farm vs. Progressive Quote
- My car has been sitting for a couple months and has water damage, am o covered?
- Business closed due to building issues
- Complicated - insurance liability in crash
| Posted: 06 Jan 2019 11:29 PM PST Edit: I live on the island of Guam, which is U.S territory Hello, I'd like some advice on the licensing exam that I'll be taking in February. I'm currently training to become an underwriter for a small insurance company that is in desperate need of licensed employees. My employer has given me two text books, Introduction to Underwriting (which they say has maybe ten questions in the study guide that'll be word for word on the exam), and Property and Casaulty. For a company that's very short staffed, they are only given me my probationary period to study, take the exam and pass, or get the boot and be out of a job. If anyone can give me any insight to the exam, or point me in the direction of materials that could help in the studying process, I would very much be in your debt. Sorry If this isnt appropriate for this sub. Delete the post, and I can look for information elsewhere. [link] [comments]  |
| Posted: 06 Jan 2019 12:03 PM PST My mother switched insurance companies in October. She received a letter from the DMV saying they couldn't confirm her car was insured. We uploaded her information straight to the DMV's website and we thought that was done. I had her go to the DMV just to make sure everything was taken care of. To her surprise, it wasn't. They told her the insurance company reported the wrong VIN, and that's why the DMV couldn't see that her car was fully covered and never had an insurance lapse. Now comes the fun part. Because she didn't know this was taken care of, this whole thing happened 2 days before the DMV suspended her car registration. Now her car is not registered and she can't drive it because of the insurance company's incompetence. She'll have to pay fees to get the car re-registered. Is there any way to get the insurance company to assume responsibility for their mistake and get this corrected? They have been contacted about this and have the correct VIN. What can we do here? She lives in NV. [link] [comments]  |
| Renters Insurance help. Water damaged MacBook. Am I covered? Posted: 06 Jan 2019 03:30 PM PST Hi, less than 48hrs ago my girlfriend spilled a large cup of water on my MacBook while I wasn't home then used her hair dryer to try and dry it out and melted half the keyboard. Yeah! It's bad! I took my MacBook to the Apple store and the guy told me the repairs would be as much as a new MacBook. I am still just as nauseous as I type this as the moment I came home and heard what happened. I need a laptop for my personal website (I do make a small income from it - SMALL). I'm building a freelance portfolio as well. The screen and touch bar do not turn on the computer does. I removed some of the melted keys because I was in shock and was trying to convince myself it's not that bad, it is that bad unfortunately. I bought this laptop in March 2018 for $2,599. My renters insurance policy says it will cover computer damage up to $2,500 so $100 less than what I paid for it. I'm happy with that. I just need advice on what to say to them. I never claimed anything in my life. I know they essentially don't want to write me a check for $2,500. Is it okay to tell them the truth (what my girlfriend did, water, hairdryer and all)? Or should I say I did the water and hair dryer or should I not mention the hair dryer melted the keyboard at all? I just can't afford to mess anything up. If I had the money to just buy another I probably would of never even found out to check my insurance policy. I actually dont even have a real job right now and need a computer fairly bad. Thanks in advance for reading this and any input is appreciated! Picture of policy attached. [link] [comments]  |
| PreAuthorization and Health Insurance Changes Posted: 06 Jan 2019 05:29 PM PST I currently have health insurance, Regence BlueShield of Idaho, through my employer. I have a medically necessary orthognathic surgery that is excluded from my employers healthcare plan. I won't be having surgery done until November of 2019 which during the 2019 open enrollment. I found an individual health insurance plan through Aetna on the healthcare exchange during 2018 open enrollment. It specifically deems what I have as medically necessary but still requires submittal of preauthorization to make sure I fall within their guidelines for medical necessity (which I do). Aetna's plan covers all medical services and supplies after my copay and coinsurance. If I were to drop my employers health insurance and sign up with Aetna, could there be any repercussions from the insurance company since I will immediately have my doctor submit preauthorization? Also, are there any instances where an insurance company will approve medically necessary surgery even if it excludes it from coverage? Thanks. [link] [comments]  |
| Is it normal for liability insurance to ask for deposit? Posted: 06 Jan 2019 05:19 PM PST Hi! I'm expanding my business. I used to be just on my own, but am now starting to hire contractors. I've been working for a long time and can't remember if I ever paid a deposit on my current liability insurance. I don't think so, but I'm not sure. It's Sunday evening and can't call my insurance, but then thought about reaching out on Reddit. I asked around for several quotes, however the one I like the best is also the only one that mentioned anything about a deposit. Any thoughts or anyone any experience with this? [link] [comments]  |
| Denied short & long term disability coverage based on a likely misdiagnosis (FL) Posted: 06 Jan 2019 01:26 PM PST Not sure if this is the correct sub. At my new job I was able to apply for Short term and Long term disability coverage if needed in the future. In the application, I had to include my medical history, which included Chronic Fatigue syndrome, which i have been told for 10+ years. Around this time, i finally saw a sleep doctor, and I was formally diagnosed with a narcolepsy-variant sleep disorder called Idiopathic Hypersomnia, which I also included on the application. The Short and Long term coverage applications were both denied coverage, based on the history of having Chronic Fatigue Syndrome as their reason for denial. But looking back, all those years I did NOT actually have CFS; I have had IH all along. Should I be requesting that my Sleep doctor write in an appeal stating that my previous diagnosis of CFS was incorrect? [link] [comments]  |
| Home Owners Insurance/ Renters Insurance? Posted: 06 Jan 2019 04:41 PM PST Hello Everyone! I'm in the process of moving back to my homestate where I own a home. I've currently been renting a house, and have also purchased a renters policy to cover my personal property. Once i vacate said rented home I should be able to cancel my renters policy correct?, as my homeowners insurance provides $80K worth of coverage for my personal property. Figured I would hear everyones thoughts before I tried to call my insurance company to cancel. Thanks [link] [comments]  |
| Posted: 06 Jan 2019 02:03 PM PST I recently started a new job and filled out the paperwork to enroll in my employer's health insurance plan. There were several questions on there regarding health history, diagnoses, treatments, current prescriptions, etc. if they are not allowed to exclude people with pre-existing conditions, why do they ask these questions and what do they do with the information? [link] [comments]  |
| Seeking advice on uninsured motorist claim and subrogation of the settlement. (Indiana) Posted: 06 Jan 2019 07:29 AM PST I was sent here from /r/legaladvice, hopefully someone here can help... Background: Last November my wife sustained serious injuries in a major auto accident. An unlicensed, uninsured, unemployed driver darted into her lane to pass someone and hit her head on. She was going 55, witnesses said he must have been going 70. The police report cited him for unsafe lane change along with several other offences, so there's no doubt that she wasn't liable. She ended up with a broken neck (C2 vertebrae) and still has a 50/50 chance that she'll need her neck bones fused together. She broke a rib, broke her right hand, and her ankle was shattered. Broken tib/fib, shattered calcaneus, etc. She will need several more surgeries before that's corrected. She's lucky to be alive. We're looking at 3-6 months till she can walk again, maybe a year until she's fully functional. She was also working part time, providing ¼ to 1/3 of our income. Being part time also means no unemployment or FMLA benefits. We also have 2 kids who are starting their first year of college in the fall, so to say money is tight is an understatement. Here's where I need your help. My job is (and always has been) to plot a long term financial path for our family. We have an HSA that I deposit enough into to cover our max out-of-pocket amount each year – about 5k per year, so we're good there. We have enough cash savings to replace her income for about 6 months, which I always thought was plenty. It's what everyone recommends. After that we'll be eating into college funds, or just not eating. We're about 10 years from retirement, so I'd rather not use our 401k savings. We have Farm Bureau car insurance (in Indiana), and I carry 100k of uninsured motorist coverage, plus 5k medical. My agent and I both agree this will easily max out the 100k, but that my health insurance (Aetna) will likely put a claim on it to cover their costs. I work for a large company, so it's highly likely I'm working with an ERISA plan which, if I understand correctly, trumps Indiana's "make whole" doctrine. So it sounds like we will basically get nothing out of this but medical bills that Aetna refuses to cover, and the joy of permanent disfigurement. They've already started sending denial of coverage letters. I've briefly talked to one lawyer about helping us fight to keep some of the settlement, but he just seemed… shady. We have an appointment to talk to another one next week. Can anyone help me set some expectations of what I can expect this to lead to? Right now all I can see is bankruptcy. Can I expect to see any money from the settlement to pay for future medical costs, or will Aetna eat the whole settlement and bill me for more? It's safe to assume that the guy who hit her doesn't have two pennies to rub together. If anyone has seen a case like this, I'd love to hear how it went. Thanks in advance. [link] [comments]  |
| Minor accident on carfax? Jacked up rates? Posted: 06 Jan 2019 06:44 PM PST I bought a used car a few months ago and it had a minor accident on the carfax. I know branded and salvaged vehicles are not covered or cost a ton to insure. Did this raise my insurance price? I was not involved in the accident, the previous owner was found not at fault. [link] [comments]  |
| Posted: 06 Jan 2019 06:40 PM PST I was involved in an car accident recently. My question is, would it be better to have my car inspected on the street where it is currently and have Geico cut me a check for the damage, or bring it into a shop and have the adjuster deal with shop and have the money go directly to the shop? I feel like it would be better to have the money in my hand and then decide where to bring my car. Opinions are very welcome. Thanks [link] [comments]  |
| We were robbed. Will my rental insurance cover the things stolen from my housemate? Posted: 06 Jan 2019 06:11 PM PST He is not mentioned on my policy. We were robbed while we were both away on vacation by someone brought into our home by another housemate. Edit: Would it make a difference whether my housemate whose things were stolen subleases his room from me or is my partner? [link] [comments]  |
| I think my wife totaled my baby. Do I need to do anything before calling my guy? Posted: 06 Jan 2019 07:23 PM PST I bought a brand new tacoma in 2004. I'm thankful everyday for it. 285k miles it had served me. I have been getting worried that I'll need to replace it sometime in the near future. My wife took it today as it was snowing and she thought it would be safer with the 4wd. On the way back from the ski resort she took it straight into a guard rail at a corner, she braked and turned, but it didn't do either. I have full coverage ($500 deductible). Private sale blue book says $6-8k in value. I'm sure it's got 5-6k in damage. I assume that means totaled? Anything I should anticipate or do before calling insurance? Do we need to file a report with state patrol? Calling insurance guy tomorrow (family friend). She drove it home, I have not yet. She says one of the tires rubs on sharp corners, but everything on the front bumper, hood, quarter panels is scrunched back. Not sure about anything under the hood. In Colorado. [link] [comments]  |
| State Farm vs. Progressive Quote Posted: 06 Jan 2019 08:59 AM PST Hey Everybody, I have a 2016 Mazda CX-5 that is covered under State Farm's insurance, I'm in my mid 20's. No previous accidents or car insurance claims. I apparently have all the discounts that State farm can offer me, yet I pay around $550 every 6 months for my auto insurance. A family member recently turned me on to getting a quote from Progressive Direct, and they quoted me around $240 for almost the same exact coverage. My State Farm guy sent me this when I asked him to update my quote to see if they could get closer. My girlfriend got almost the same exact response before she switchced from State Farm to Progressive:
I know that getting a quote through Progressive Direct probably isn't what I will be paying in the long run, but it should be farily close. Hell, I probably wouldn't even be looking if State Farm would drop my yearly premiums by $100. My real question is, is my insurance agent correct when it comes to OEM parts and claim payments? I know things are regulated so hard that there can't be much of a difference between what either company pays out, and I can always request OEM parts. Paying the difference isn't a big issue to me. I know many people that have SF or Progressive, and they all seem happy with what they have. Even after getting into accidents. [link] [comments]  |
| My car has been sitting for a couple months and has water damage, am o covered? Posted: 06 Jan 2019 10:35 AM PST I have full coverage on my 2000 VW Jetta, I stopped driving it a couple of months ago when I got my new car, I went and checked on it today and there's 4 inches of water and mold all over it now. I have comprehensive but am I covered since there must've been a pre existing leak in the cab? [link] [comments]  |
| Business closed due to building issues Posted: 06 Jan 2019 12:47 AM PST Hi all I have a food business in a food court. Unfortunately the building has had to shut down due to an engineers report highlighting a seismic risk w the building I don't have business interruption insurance but I do have income protection (related to health issues arising) Stress is apparently covered in our policy - but how do I communicate this to my insurer? I have a fear they won't cover me for this (it is unwarranted I guess because of a bad impression of insurers ) - despite me/the business being the only sole income for my family and mortgage I'm also worried for my employees who unfortunately aren't covered by anything in my policy What's the best way to communicate my issue to my insurer so I can get my income protection fulfilled? Thank you [link] [comments]  |
| Complicated - insurance liability in crash Posted: 06 Jan 2019 12:01 AM PST Both vehicles are total losses. Let's say party A was driving a government owned / self-insured vehicle. Party B, the at-fault party, was driving a rental vehicle with their personal insurance AND the supplemental company insurance... Who would end up paying... The supplemental, the personal insurance, or both? What is the typical rental. Supplement coverage? [link] [comments]  |
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