Homeowner's insurance -- extra coverages and riders Insurance |
- Homeowner's insurance -- extra coverages and riders
- Health Insurance is denying my birth claim after telling me it would be covered.
- Last question, I hope...If you owe "x" on your car and your insurance is paying exactly "x", should you get anything over in the event of a total loss?
- Can Anyone Give a Recommendation on a Decent Life Insurance Company?
- [Texas] I just got into my first accident that was not my fault and I'm worried they are going to total my car.
- Insurance agent misquoted me, didn't realize error for (3) years. Is there a process for getting re-paid?
- HELP! Short-term disability for bereavement/grief
- Question about being on my mother's plan, and getting a solo plan.
- to the insurance adjuster should i put things under damage property, things that have not been damage?
- Insurance decided car was totaled. Is there a suggestion on how long to wait on when to try to get another vehicle.
- Deviated septum surgery
- Insurance estimator added additional parts in fixing my car
- FL- dental and vision insurance?
- [NE] My (22) step-mom and dad are getting a divorce but we’re under her policy, now what?
- First Designation
- State Farm keeps calling me a ton and leaving voicemails saying they have questions for me about my relationship with my roommate to determine whether they can offer discounts - legit? or hidden agenda?
- Do I need property damage liability insurance as a motorist with virtually no assets?
- Surely These Can't Be Legal, but Apparently They Are?
- Want to switch car insurance companies. Worried the new company is giving a false rate. Or, I think Geico lied to me
- Physical Therapy/Medical Insurance Billing Codes
- Future appointment/ payment question.
- Whole Life Insurance Policy question.
- cover.com auto insurance
- Any one experienced with AAA Umbrella Insurance+Rental insurance claim against a law suit?
| Homeowner's insurance -- extra coverages and riders Posted: 24 Apr 2019 04:06 AM PDT I'm about to buy a HO policy, and I have questions about extra coverages. I plan to add a water-backup rider and reject an identity-theft rider. Are there any other riders I should ask about in particular? If I want to avoid making claims against the HO policy, is it reasonable to diversity insurers for different sorts of coverage? Let's say I wanted insurance against ID theft—would it make sense to get ID-theft insurance from a different insurer so that I don't create the opportunity for additional claims on the HO policy? Thank you. [link] [comments]  |
| Health Insurance is denying my birth claim after telling me it would be covered. Posted: 23 Apr 2019 04:16 PM PDT [TX] My health insurance company refuses to cover my birth because I had a midwife. Prior to selecting a midwife I called in and was informed I could have a midwife as long as they were in network, the one I selected was. My plan says that it does not cover a midwife but I had the same problem with my first child (I had the same insurance company but different job). Insurance was still able to cover a CNM (midwife with extra qualifications) but not a CPM (midwife with less qualifications). This time, I called in many times to make sure I could have a CNM. If I did not get confirmation that they would cover a midwife, I would have chosen a hospital birth. SEPTEMBER 2017- After a call, an insurance rep sent me a text message with some birth centers I could give birth at that were in network. I found a midwife (CNM) that wasn't on the list but was still in network. She called my insurance to verify my coverage. I was excited because she said I was covered and gave me an estimated total after my coverage. MARCH 2018- Gave birth with my midwife present. I still had not paid for the birth because my midwife was having legal issues with her previous admin. I had been asking to pay her since 2017 during my appointments. OCTOBER 2018- Still had not paid for my birth. Received a letter from insurance saying I owe $0.00 for my birth because my midwife's claim was denied. The letter said she did not file the claim in time. MARCH/APRIL 2019- A year after my birth, I received a letter stating my midwife sent in an appeal. They accepted her appeal and then denied my claim because they sent me a letter, in January, that I did not respond to. They did NOT send me a letter! I called and they said it was a mistake and the letter was actually for the provider. They fixed the claim but then denied it again because my plan does not cover midwives. What??? I told the insurance company about the calls and text from 2017. They told me that if they gave false information they will accept my claim. I just have to tell them what calls I was given the misinformation and asked if I have a copy of the text message. That was in 2017, I don't remember what day I called in for what and I deleted the message. The reps and supervisors can see that my midwife and I called in but they can't access the calls because they are so old. I was told to write an appeal with the dates of these phone calls for reference. Sounds like somebody else can get access to them. Everybody I speak to can give me dates of calls but nothing else. What do I do now? What does the appeal need to say? I don't want to just guess what calls I think they are, unless that's my only option. Any advice is appreciated. TDLR Insurance is refusing to cover my birth because I had a midwife. I called in to see if they would make an exception before my birth and they said yes. Over a year later, they are saying no and denying my claim. Insurance says phone calls will prove my case but they don't have access to the calls anymore. [link] [comments]  |
| Posted: 24 Apr 2019 04:24 AM PDT So my husband has a lot of people telling him things at work. Things I don't think are true. Y'all are the professionals, so here I am yet again. I had a lien on my car for $14,026.94 . My insurance settlement is $13,484.85. I also had gap insurance to cover the $542.09 that will be left due. My husband was put under the impression that we should be getting enough back to make a down payment on another vehicle on top of the total buyout. I think that his coworkers are full of crap. If I am right and we are getting exactly what we're supposed to, had I sued the other driver (who was at fault since he fell asleep and hit my husband from behind while he was at a stop) would the outcome be different? He had liability only and a suspended license. [link] [comments]  |
| Can Anyone Give a Recommendation on a Decent Life Insurance Company? Posted: 24 Apr 2019 03:46 AM PDT I have been researching all the different options for life insurance and haven't found one yet with great reviews so I thought maybe someone had some personal experience with a company and could give suggestions. Thanks! [link] [comments]  |
| Posted: 24 Apr 2019 12:59 AM PDT I have a 07 Crown Vic P71 that actually has approximately 350k miles. However, when I got the car, The guy must have burned out the LED for the check engine light and because I was a dumb kid who really needed a car, I bought it and a 600$ cluster along with it. The (new) cluster has 130k on it after about 60k miles I've put on the vehicle in the last 5 1/2 years. That is a massive value difference. And because I bought it in Chicago area, the wear and tear on it from Chicago salt and police duty, could possibly make it feasible. That at the car is 12 years old. I'm no appraiser, but it could be difficult proving it has more miles on it. On to the accident. Traffic slammed on their brakes, I braked it time, got rear ended, launched forward, and crashed into the guy in front of me. Now, I was of the correct distance from the vehicle in front. However, the laws are weird in Texas, if you rear end someone, its instantly your fault. Now that might be the case, but the truck (personal) I ran into drove off and committed a hit and run. He/she had a trailer hitch that punched out my grill in the front of the car. The cop said I am completely innocent on record and my lawyer said that they will get back to me whether or not I am responsible for the front end damage. As for the rear end, it looks like it just did cosmetic damage. Infact there is no mechanical damage, that I could tell, what so ever. I'm really worried they are going to total it. I 100% can not afford a car. I have too many expenses and not having to pay for a car has been a blessing. And besides, if they do total it and give me the worth, they most likely would give me $1000-$1500 tops. Now I did messed up my shoulder in the accident. My lawyer is going to send me somewhere sometime soon most likely to get it check out. To some up, I have these questions. Should I sue the dude for hurting me if they total my car? Should I sue for damages if they total it? Is there an intelligent way to fix my car and still get money out if it? I don't want to take the guys house, but I don't know if I'll have a choice but to come after him if they total my car. The lawyer said they would get me a rental for work. But I think that is only covered for 2 weeks typically. Dude I have so many questions and I'm really scared about them taking my car. It wouldn't be a problem if it was worth more but I guarantee it isn't. Not to mention I've put 4000-5000$ worth of repairs since I've had it, and I do my own labor. Please help me get some solace. [link] [comments]  |
| Posted: 23 Apr 2019 08:59 PM PDT While shopping for quotes, my wife and I solicited quotes from the usual companies like State Farm & All State, as well as an independent broker. As general numbers, State Farm came back at around $600 per (6) months for both vehicles. The independent broker came back at $900 for the year. Some quick mental math and we decided to save $300 per year and go with the broker. Unfortunately, because the auto was billed on auto-pay alongside our umbrella and homeowners insurance, I didn't realize that the independent broker had "misspoken" and quoted us for (6) months instead of the year, thus paying $1,600 for his insurance plan rather than $600 from State Farm. Any ideas on how to pursue re-payment, or if this is a path worth pursuing? [link] [comments]  |
| HELP! Short-term disability for bereavement/grief Posted: 23 Apr 2019 02:03 PM PDT My sister lost her husband to suicide on Easter Sunday. Obviously this has been incredibly traumatic for her and unfortunately she is also worried about not getting paid for the time she'll need off from work to recover. She has 5 days worth of paid time to cover 1 week off. Unfortunately, due to the nature of his death and his occupation, the services won't even be happening for at least another 10 days. She will not be ready to return to work in the short term. Is it possible to receive short term disability from her employer for bereavement/grief? What does that process look like? Her HR department has led her to believe that she must have been under a physician's care for a specific period of time before she can submit a short term disability claim. It's all incredibly confusing and she is in no place to manage this right now. I'd like to get some answers from people who know how it works and give me some guidance on how to proceed. Thank you so much for your help! [link] [comments]  |
| Question about being on my mother's plan, and getting a solo plan. Posted: 23 Apr 2019 11:13 PM PDT Hello, I have a question about changing health insurance plans. I just recently turned 25, live in Arizona in the United States, and my mother lives in Maryland. She has had me on her plan for a long time now, and is planning on dropping me off of hers soon. She claims that I need to show her proof of a new plan of mine for her to be able to take me off. Is this true? Or would it be alright to tell her that she can take me off the plan now? I am currently looking for a new plan, but I am also Native American, and have access to Indian Health Services insurance options at this time as well. Any other advice would be a huge help. [link] [comments]  |
| Posted: 23 Apr 2019 11:03 PM PDT recently my basement got flooded , water came out of the toilet because of faulty water valve , so adjuster came interview me , investigate, take all pictures and said that i am definitely covered , cleaning company came take also pictures , after a day my insurance company send me an email that confirmed i am covered repair restore and property damage replacement .. i talk to some guy , that said i can jack up my claim , if i put things there thats not even damage ? is that true ? if they found out whats the worst thing that can happen? [link] [comments]  |
| Posted: 23 Apr 2019 03:13 PM PDT I had a lein on my car for $14,026.94 . My insurance settlement is $13,484.85. I also had gap insurance and I just made a payment on my loan on 4/18. I don't know if there's some sort of waiting time or not? [link] [comments]  |
| Posted: 23 Apr 2019 05:53 PM PDT Have septoplasty in a bit more than a week and was called by the doctor's office who said it may not be covered by my insurance (UHCSR). Apparently it is on their list of exclusions and says "except when medically necessary, or for treatment of a covered injury, or treatment of chronic sinusitis." My deviation is not a result of injury or sinusitis but is causing breathing obstruction and I have also been diagnosed with obstructive sleep apnea. Anyone have any experience with trying to get this proved to be medically necessary? What are the key factors? [link] [comments]  |
| Insurance estimator added additional parts in fixing my car Posted: 23 Apr 2019 04:53 PM PDT Not sure if this is the right sub but here we go. On Saturday I had my first accident and hit a car door which took off my side mirror, and deeply scratched both right side doors. Today my claims estimator calls me and says repairs will cost near $1900. I'm thinking it's wayyy too much for something like this. I then ask what parts need replacing, he tells me 'they aren't really quantifiable' or something like this. A few hours later after work I log into my claim and see the details to my estimate. It looks like they're replacing all the little dings I ever made since I had my car!! The estimator added the rear bumper, taillight, and rear quarter panel - an extra $400 to my estimate! I gave my claims person pictures and the parts that were damaged. I was given no heads up. Is it possible to dispute these estimates after confirming? EDIT: Maybe I came at it the wrong way. I'm not trying to tell them what they're doing I'm asking why these repairs are even needed if they weren't involved in the accident. Also here's my estimate items and total. [link] [comments]  |
| FL- dental and vision insurance? Posted: 23 Apr 2019 08:23 PM PDT I'm beginning a new job in a few weeks that has great health insurance but no dental or vision. I'm single and I don't have any kids so I'm trying I figure out the best option for just myself and am looking for some help on where to start, and what to do to find appropriate coverage. For background- I have not great vision along with astigmatism so I spend money on glasses and contact lenses each year. For dental - I've got for the most part- naturally straight teeth, and no cavities or anything complicating in that respect. Can anyone point me in the correct direction to find a policy that just covers me? Thanks! [link] [comments]  |
| [NE] My (22) step-mom and dad are getting a divorce but we’re under her policy, now what? Posted: 23 Apr 2019 09:15 AM PDT To preface this story, my birth mother died when I was 18 months old of cancer so I have no memory of her. My dad raised me alone until he got remarried when I was 9, and she has a son who was 4 at the time. It was a rough start with my step-mom, she is only 16 years older than me so there were some immaturity issues by both of us. However after a year or two, we were/are best friends. She is my mom in my heart and she treats me just like she would if I were her biological daughter. My step-brother and half-brother are my brothers, to heck with the 'step' & 'half' titles. About the same time my mom and I became really close, my dad and her started to fight a lot. I've been anticipating their divorce for 10+ years. It's been a form of emotional torture for me honestly, constantly on my toes waiting for them to tell us their getting a divorce. I thought it would happen after my youngest brother (9) graduated high school, but last night my mom came over to my apartment and broke the news to me. I'm heartbroken but I can't say that I didn't see it coming. There hasn't been anything recently that has led me to believe it was coming but I've known it would happen eventually. My dad has had severe epilepsy that has gotten worse over the last ten years and was laid off from his job 3 years ago. He's currently on disability because of the loss of his short term memory and several brain surgeries. That being said, all of our family's insurance is under my mom. Because I'm not technically my moms child in the eyes of the government and I'm only 22, am I going to lose my health insurance and everything? Where do I go from here? I don't have a job that offers health insurance at the moment and I'm going back to finish my BA this summer (2 years of college left). I feel so lost and confused and concerned for what the future looks like for my dad and I without that policy. TL;DR My dad and step-mom (who I call my mom) are getting a divorce but my dad is on disability so our insurance plan is under my mom. What happens now? [link] [comments]  |
| Posted: 23 Apr 2019 09:18 AM PDT I am graduating and going into underwriting and am trying to get my first designation within 6 months of studying. Would you recommend the AINS or the AU? [link] [comments]  |
| Posted: 23 Apr 2019 02:45 PM PDT 2 agents, 4 calls, 4 voicemails in the past 3 business days. I bought car insurance through them last week. They said nothing's wrong and my plan is active and all, but they keep saying they looked up whose house I'm living at (cousin's - but they don't know relationship I guess) and they "have some questions for me" about my relationship to her so that they "might be able to offer some discounts." Is this bogus? Seems like if that's all they wanted, they wouldn't be frantically/desperately trying to get ahold of me every day. So I'm wary to reveal anything. Is this standard procedure to try to retain customers, or could they have a hidden agenda? Suggested course of action for me? [link] [comments]  |
| Do I need property damage liability insurance as a motorist with virtually no assets? Posted: 23 Apr 2019 03:28 PM PDT My only asset on the books is my vehicle with a blue book value of about $5,000. Is it really worth having property damage liability on my policy beyond what's required by the state? Location: Utah [link] [comments]  |
| Surely These Can't Be Legal, but Apparently They Are? Posted: 23 Apr 2019 11:33 AM PDT This is a two-fer. I'll give you the very short version and then grab the two problems from the story. My insurance company denied coverage for a medication I need for a year. They denied it regardless of what form/brand it came in, no matter where I got it. I paid $150 out of pocket once a month for a year as a result. After a year, they decided they were going to start covering it, but only if I bought it in one specific form from their "preferred pharmacy." I found this out because the "preferred pharmacy" called me to ask me how I wanted to fill the prescription. They had all of my personal info - medical records, social security number, etc. They said they had gotten my information from my insurance company. Neither me nor my doctor had given them any information, nor did I consent for my information to be released to them. That was about six months ago. I should also note that I asked to be reimbursed for my out of pocket costs due to my erroneous denial, and they threatened to drop coverage for the medication if I did that. I am trying to get a refill, and my insurance company has said that they will no longer cover the medication because it is not "medically necessary." I've been appealing the decision for three weeks (my doctor has had to send in eight prior authorization forms and four letters of medical necessity) and have finally been approved for another six months. I have this in writing. "We will cover 100% of the medication for six months." I called the pharmacy and their records show I've been approved for a 90 day supply with a 50% co-pay (nearly $300). I called the insurance company back and they said there must be a mistake and that they never have and never will cover this medication. Yesterday, I got a by-mail solicitation from another pharmacy, saying that a DIFFERENT form of my medication MAY be approved if I purchase it from them - they will ALSO need a prior authorization and letters of medical necessity, but, same thing, they had all my patient records. So.
I intend to file a formal complaint with the insurance division, I'm just... am I going insane? Can they really DO this? [link] [comments]  |
| Posted: 23 Apr 2019 02:02 PM PDT In early 2017 I got my first speeding ticket for doing 70 in a 55. I fucked up. There is a backstory if you're really interested. It was out of state, 8 hours away so I just paid it. I've had Geico insurance for more than 5 years. In 2018 I was shopping around for insurance. Geico told me that if I went with say Allstate, they would charge me more than the quote once they realized my history. And that at least with Geico I wouldn't have surprises. I think the person was lying to me to keep me from switching because it worked. I can save $270 with AAA for a 6 month policy. If I switch, will I be charged the quote, or will it go up? [link] [comments]  |
| Physical Therapy/Medical Insurance Billing Codes Posted: 23 Apr 2019 01:53 PM PDT Hello, I reside in Texas and for 2018 had an Aetna PPO. At the end of 2018, I was having a knee issue, saw an orthopedist, and was recommended physical therapy. I had a total of 4 visits and paid my $40 copay each visit. Fast forward to now, the PT office is sending me bills that I owe $1,200 in unpaid claims as my insurance is covering it under "after deductible is met, 70% of costs" due to the PT office submitting the claim as an in hospital visit instead of a PT office code. I've spoken to my insurance, they said if the claim is resubmitted with a different code, they can process it accordingly. The PT office however says that the only code they submit under is the in hospital code. I am on a list from the office to have a supervisor call me in about 3 business days What do I do? I would have never gone to this office if i was told this is how everyone would handle it as $1,200 for 4 1-hour physical therapy visits is an insane rate to me. [link] [comments]  |
| Future appointment/ payment question. Posted: 23 Apr 2019 01:38 PM PDT I'm getting ready to use my own dental insurance for the first time ever. However I'm not exactly sure how it really works. My insurance covers the examination and cleaning but only 40% of X-rays. When I go in for my appointment how much do I have to pay up front? Will I only be liable for the $50 deductible at the time of services rendered, then just get billed for what insurance doesn't cover afterwards? Or do I have to pay the $50 deductible and the 60% I would owe up front? Any help would be greatly appreciated. I have a low income and have a lot of anxiety about stuff like this. I really don't want to get there only expecting to pay $50 but then owe $500 and not have enough to pay it. [link] [comments]  |
| Whole Life Insurance Policy question. Posted: 23 Apr 2019 01:27 PM PDT I'll spare why I got myself into a WL policy in the first place but, I decided today to get some details on it after paying $45mo for the past 4 and half years. The policy is for $32557 and cash value is $475.65. I don't really know anything about how these work but the cash value seems really low after nearly 5 years. I'm looking into dumping this and needed advice on what I should be looking for or to make sure I'm not missing anything. I'm in KY. Thanks! [link] [comments]  |
| Posted: 23 Apr 2019 01:18 PM PDT any reviews of this company? How good/trustworthy is it? I could only find reviews on their own web page, which i'm inclined to discount as they're self-serving. [link] [comments]  |
| Any one experienced with AAA Umbrella Insurance+Rental insurance claim against a law suit? Posted: 23 Apr 2019 01:12 PM PDT After short term lease 6 months is over, we gave 30 day notice to vacate, but tenant wants to stay for 2 years. Since we did not agree as we wanted to move in (selling current primary). Tenants uncle is a lawyer sued us in court. We are trying to settle out of court. So far, I spent $10000 for my lawyer to defend and they are expecting another $10000 settlement. I have sufficient coverage in rental insurance + Umbrella insurance, but when I talked to california AAA they wanted the other party lawyer reference to verify and then stopped there. The AAA representative told me that they will send you all eligibility only after registering claim. If I give other party lawyer, then they may increase the claim and complicate the process. My main question is any one with california AAA went through such claims and whether they provided defense cost and out of court settlement? Few of my co-workers said that defense cost is included in umbrella coverage if it is not covered by rental liability. All I have is California Umbrella Policy booklet that states defense cost for such claims covered. Any hint or help is appreciated. [link] [comments]  |
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