Rear ended, car totaled, $0 car payment before accident. Help! Insurance |
- Rear ended, car totaled, $0 car payment before accident. Help!
- Denied... and while were here: retroactively denied (NJ/PA)
- Can car insurance company pick who the primary driver of each of my cars is?
- Is it possible to determine the name of the vehicle insurance company if I have the policy number and the vehicle details it is associated with?
- When did Geico force everyone to use a shitty AI chatbot?
- Insurance Mitigation and Restoration question.
- Truck trailer accident - guy didn’t provide proof of insurance
- [X-POST] Medical Services Denied Due to BCBS TX Screw-Up (Based in North Texas)
- Vision insurance / refund
- I know people love USAA auto insurance, but how much is their great service worth?
- Insurance Requesting Body Shop Estimate (Confused)
- Total loss settlement - USAA Still hasn’t paid us?
- What information of mine do insurance companies actually have access to?
- Liberty Mutual Double Policy?
- Hospital failed to bill insurance
- Term Life - raising rates on recertification?
- Lower Comprehensive vs Glass Deducible?
- New to Claims Adjusting
- Can I do partial restoration and keep the difference from my claim funds?
- What to do with insurance money?
- Need agent advice in TX on old accident....
- Question about Allstate Car - Company Car Verification Required when only used for Personal Use
- Self Pay Price and 3rd Level Appeal
- MA Basic Auto/Home Insurance Coverage Questions
| Rear ended, car totaled, $0 car payment before accident. Help! Posted: 04 Apr 2019 08:10 PM PDT Yesterday, while driving a car that I purchased from my grandmother after she passed away, I was rear ended. The car behind me was a company car that was a registered commercial vehicle. I was driving straight and slowed down with traffic, from around 50mph (speed limit) to ~30-40. The car behind me was looking left, trying to change lanes, and didnt see that traffic had slowed and slammed into the back of the car. The car was deemed a total loss. Thankfully no one was injured, but I have sustained some head pain and neck stiffness. I have a few questions based on the car/condition/potentially new incurred costs. The car was a 2002 Camry with ~80,000 miles on it that I had purchased in summer 2017 from my Grandmothers estate (uncles and aunts) after she passed away. The cost was $2,000. Over the course of the 2 years I have had it, we had put ~16,000 miles on. We have also paid $2,011 in maintenance, to keep the car in tip top shape. It's a car we use mainly on the weekends, and occasionally to drive to clients offices and to work. We had considered this a car that we would have for another 5 years minimum 10 years if we were lucky given the mileage. Now, since we are facing a total loss, we are preparing ourselves for a low ball offer. Given that until this point, we had a paid off car that (assuming we kept maintaining it) could last us a while, you can imagine the frustration of now having to incur a payment. We are at no fault for the accident, and could use some advice on how to proceed. Leasing a new vehicle, even looking at no frills, is going to be significantly more than what we are prepared for our payout to be. We would appreciate any help in preparing an argument that sets up the incurred costs over x number of years that the vehicle would have been in working order (given the low mileage), and set up that the current market value doesn't take into account the sustained value of a well maintained car that is paid off. [link] [comments]  |
| Denied... and while were here: retroactively denied (NJ/PA) Posted: 04 Apr 2019 08:18 AM PDT tldr: When I asked for pre-approval for a surgery, my insurance company denied it and then went through my file and denied a procedure I had 9 months ago (despite it being pre-approved at the time and them having already paid the claim). I have an uncommon medical condition and am running out of option. I have seen ~22 different medical professionals in the last 2.5 years. I finally got an appointment with a surgeon at a large university hospital who suggested implanting a neurostimulator... in my face. They're approved for arms, legs, back, but not the face (although there are multiple clinical trials in progress). The surgeon is confident he can convince my health insurance company to approve it. So confident he goes ahead and schedules the pre-op and both part of the surgery. My health insurance company denies the surgical procedure... but they don't stop there. As I learned when I called them, they went back through my files and retroactively denied a nerve block from 9 months ago, (which they pre-approved, was performed, and for which they have already paid). I assumed they would initially deny the new surgery, but I never imagined they would retaliate. I assumed they couldn't retroactively deny a claim they had approved (the reason they gave is that it was not clinically indicated for a condition I do not have). How that legal? So I'll fight both denials, because my best alternative to this surgery is my current treatment regime: opioids. Opioids for the rest of my life (or more optimistically, until the day they approve new treatments for my condition). It is definitely cheaper for the insurance company, but what kind of life is that for me? Any advice on appealing insurance denials? [link] [comments]  |
| Can car insurance company pick who the primary driver of each of my cars is? Posted: 05 Apr 2019 01:09 AM PDT So I have 3 drivers and 3 cars on my policy. My 24 year old son, wife (48), and me (54). Son drives a 2002 Volvo S60, wife drives a 2003 Suzuki xl7, and I drive a 2014 Toyota RAV4. So back in June 2016 my son was in an at fault accident in the Volvo. After that our premium obviously went up and we were told that our premium would start to lower again in 3 years. The cost to insure the Volvo went up around 120%. So in order to lower our monthly bill we removed collision coverage on it. This brought our bill down to like $30 more then what we use to pay before the accident. And it's been that way for the past 3 years. Our policy just renewed and our monthly bill went up $50 bucks. So I called in and they said that since some drivers on the policy are statistically more prone to accidents they updated my policy to make sure they were charging correctly for them. So they changed which driver drove each car. They put my son as driving the 2013 Toyota, wife driving the Volvo, and me driving the Suzuki. So the 6 month premium went up $324 since they put that my son is driving the newest and most expensive car on the policy. The Toyota has both comprehensive and collision on it. I asked them if They could change the driver of each car back to how it was and they said that they couldn't. I told them that this made no sense and that for almost 3 years now they were fine with the way it was and that they are now just doing this to make some more money before our rates were set to start lowering again. (I assume that's the reason) I mean if they wanted to "charge for each driver correctly" then they should leave it the way it was since my son drives the Volvo and not the Toyota. Can they do this? I mean imagine if I had a brand new bmw on the policy which I drove and they put that my son was driving it, that would probably make our premium sky rocket. [link] [comments]  |
| Posted: 04 Apr 2019 06:20 PM PDT |
| When did Geico force everyone to use a shitty AI chatbot? Posted: 04 Apr 2019 09:58 PM PDT I'm trying to get a quote for renter's insurance and I've been redirected to Kate. Kate is absolute shit and I refuse to talk to a fucking AI bot. What happened to simple to use forms that would give me a quote without any hassle? [link] [comments]  |
| Insurance Mitigation and Restoration question. Posted: 04 Apr 2019 05:09 PM PDT My husband and I own a small business that makes most of our revenue on insurance restoration contracts. We've been in the industry for quite a few years now and trying to understand how the entire insurance machine works is getting frustrating. I heard through the grapevine that this sub is overflowing with Insurance Representatives and I figured I'd take a shot in the dark and ask a few questions. If there are any project managers hanging around here, I have a question for y'all too. Adjusters/Reps; (I think) I know that Xactimate dictates line item pricing based on regional feedback from contractors and updating their software with current materials prices but, in the end the insurance company decides which line items will be included. Most companies that I've done work for obligate you to warranty your work for 3-5 years and if something isn't included in a scope that affects my ability to warranty my work, and I can prove it, they will add the additional line items. Other than that, it's a yes or a no as to wether supplemental lines can be added. Project Managers; Sorry this post turned into a rant. My job is stressful too and I've spent too much time recently trying to figure out why our company isn't making a decent profit. Thanks for taking the time to read this! I'm looking forward to reading many many responses. E: This post kinda, maybe, probably makes me sound like all I am concerned about is money. To be honest, money equates to my future security in life. I am just like most other people in that regard. BUT, I absolutely love my job. I love meeting every single one of these sweet, odd, fascinating and sometimes neurotic homeowners. I like taking something broken and gross and making it perfect again for them. It makes me happy. And I get to spend all day with my best friend. But we're getting too old for this and retirement benefits don't exist when you run your own business. [link] [comments]  |
| Truck trailer accident - guy didn’t provide proof of insurance Posted: 04 Apr 2019 07:31 PM PDT A tow truck hit the truck trailer while on the freeway. He caused a decent amount of damage to it to the point where it cannot be driven. We have the tow trucks registration but that's about the only info that was given at the time of accident. The police did show up but there was no police report filed. The guy (who was high out of his mind) left before they got there. The towing company is not cooperating whatsoever in either fixing the trailer or providing the insurance information. What are the best options in obtaining their insurance information? [link] [comments]  |
| [X-POST] Medical Services Denied Due to BCBS TX Screw-Up (Based in North Texas) Posted: 04 Apr 2019 07:29 PM PDT |
| Posted: 04 Apr 2019 06:55 PM PDT Hi all! I'm new to using my health insurance, which is supplied by my school. I visited my eye doctor and bought new frames. I paid for the frames in full ($300) and my provider filed the claim for me, which I am supposed to get up to $200 covered. The claim was processed and Blue Cross Blue Shield will cover the $200. How will I be getting the refund for my original payment? Through a check from BCBS or from my provider? [link] [comments]  |
| I know people love USAA auto insurance, but how much is their great service worth? Posted: 04 Apr 2019 10:28 AM PDT I've been covered by USAA auto insurance for 20 years now, with my own membership running for at least 12 of those years, but I'm looking at switching. I'm in Vermont and my annual premium through USAA for my wife and me and our two cars is just a bit under $1300. Additionally, twice in the past 2 years, I've been driving down the road and had a rock kick up and crack my windshield to the point replacement was required and USAA provided no coverage (my deductibles are at $500), costing me about $600 out of pocket in total. I just got a quote through a local agent from another insurer, Patriot Insurance, that matches all of USAA's coverage in terms of limits and deductibles (and is actually slightly better on total coverage in a few spots), and includes a $0 deductible specific to windshield replacement, all with a total price of just a bit over $1000/yr. Nearly a $300 annual savings plus the knowledge that any future windshield issues won't cost me a dime is a pretty compelling package. I just called USAA and explained the offer to them and asked whether they could improve their price, and all the customer support rep could suggest was that he could only improve my price by raising my deductibles or lowering my coverage, which was obviously not helpful. In a vacuum this seems like a no-brainer, but I know that people swear by USAA and the strength of their customer service. In all my years with auto insurance, though, I've never had to make a claim, so a)these benefits have yet to accrue to me and b)it's hard for me to weigh their value. Would any USAA lovers out there make the case that it's worth paying an extra $300/yr and paying for my own windshields? Is there anything I'm failing to consider here that I should be thinking about? Or is this as easy a call as it seems it might be? [link] [comments]  |
| Insurance Requesting Body Shop Estimate (Confused) Posted: 04 Apr 2019 01:29 PM PDT Hi everyone, A car I own was recently involved in a single-party collision with significant damage to the front and rear quarters of the car. The car has a compromised A pillar and what I suspect to be subframe damage, along with confirmed bent front and rear axles. Insurance has agreed to take the claim and took possession of the car. At the moment, this vehicle is sitting at an IAA storage lot. It's my understanding that insurance auctions are for cars deemed as total losses. So far, I haven't received any figures or estimates of the car's FMV or a confirmation if the insurance agency is totaling the car. It sounds like the insurance itself is trying to determine an estimate of damage costs in order to move forward with a total (but I don't know if that's the case, perhaps someone with more experience can speak to this). A couple days ago, my insurance agent asked me to provide a preferred body shop contact so they can dismantle the car and determine the extent of the damage. This is my first time dealing with insurance for a collision this significant, so this is new to me. Is this a standard practice for the car to be at an auction yard and a body shop to develop an estimate? I thought insurance companies will send out their own assessor to determine damage and cost of repairs. Curious about next steps here. I'd prefer they don't repair the car and just total it out. [link] [comments]  |
| Total loss settlement - USAA Still hasn’t paid us? Posted: 04 Apr 2019 10:13 AM PDT Hi there, Looking for advice about our total loss settlement. I was in a bad winter-weather accident back in January and initially they thought the car was going to be fixable. They did an initial estimate to fix my CR-V and USAA paid the collision center immediately. Collision center waited for parts for about a week and started working on the car. After working on the car they found supplemental damage and sent in a few hundred dollars worth and USAA immediately deemed it a total loss on a Sunday night and cut our car rental short by a week. We had just purchased our CR-V in March 2018 and paid off the small loan for it in June 2018. The bank never sent us the title and somehow lost it. It took a very long time to get a duplicate and USAA would not give us the settlement unless they had the title in hand. They promised as soon as they got it and everything looked right on the title it would be processed. My husband received a call yesterday saying they could not give us the settlement money until the collision center refunded them the payment they sent to initially fix the car. They had 3 months to do this and wondering how this is our fault and why they waited to get the money back? This is the collision center they encouraged me to go with (USAA approved location). I had a different collision center I wanted to go with and they discouraged me and said it would take a lot longer to get my car back as they have to have someone inspect the collision center and approve it. I had blunt force injuries in my ribs, back and abdomen from the crash and just agreed to it so I could get to the hospital. They said they contacted the collision center and haven't been able to get a call back from them in regards to getting the money. We called the collision center about the issue and they said USAA hasn't contacted them about it. The collision center also thought it was strange USAA wouldn't give the settlement money until they refunded the money. They said they have to write a check and mail it out so it will take even longer than expected. Is this normal? They have already sold parts of my car well before they received the title and and my car is currently in a live auction with multiple bids on it. I returned to work in March and my husband and I had to share his car as they wouldn't provide a rental or the settlement money. We finally purchased a car in cash last week as we found the car we wanted (Honda Element) and it was becoming extremely stressful not having a car. [link] [comments]  |
| What information of mine do insurance companies actually have access to? Posted: 04 Apr 2019 03:05 PM PDT I was just looking at my driving record. I have no current strikes on my driving record or any accidents showing up, but 4 years ago I did have an accident and had gotten a speeding ticket around that time. I got to wondering what information insurance companies actually have access to when calculating insurance. Is it even possible for them to know about that old speeding ticket or accident? Is it legal for them to use that information in their calculations if it is not on my record? I guess I just find it hard to believe, that in the most data-rich period of time in human history, insurance companies aren't trying to use every ounce of data they have on you to figure out how much to charge you. [link] [comments]  |
| Posted: 04 Apr 2019 02:39 PM PDT My girlfriend just cancelled her (exorbitantly expensive) LM policy after two years, and she just found out that it was insured under both her parents' LM policy, as well as her own. They signed up with her parents' agent, but no one seems to know how this happened. She payed for an entire second policy for the same car since she purchased it, and the company isn't being very helpful about it. I thought insurance companies weren't allowed to cover the same car with two policies. Any advice on how to proceed? [link] [comments]  |
| Hospital failed to bill insurance Posted: 04 Apr 2019 02:21 PM PDT So my son was born December 2018. Om the day he was born (or the day after) a lady came into our room and asked if he would be on Medicaid or if we had insurance. We told her he had insurance and handed her my insurance card (PPO). As anybody who's ever had a kid knows, he technically wasnt on my insurance yet, but I was about to put him on my plan so it shouldnt have been a problem. She took the card and left the room (I'm assuming she scanned it or put the info in the system or whatever). When she came back, she acted like all was well, didnt say anything. About a month later, we got a bill for the hospital visit. At first I wasnt too worried, my son had just been approved to my plan so figured it was just a delay, but just in case I called the financial department for the hospital to ensure that they had all of my info correct because the bill said that there was no insurance. Well come to find out, they didnt have any insurance on file. Mildly annoyed, I gave it to them over the phone. I wish I would've recorded all of these experiences for evidence. They said all was well and that they would just bill my insurance company now that they had the information. I figured I'd be okay since it was still within the 90 day window that my insurance company requires for submitted claims. Then, just this past week, I received a bill for half of the original amount because of "financial aid". I called the hospital's finance department again and asked why I was getting this bill. They said that "since I didnt have insurance, they automatically preapproved me for financial assistance to help with my bill". I explained to them that I gave my insurance info at the hospital the day my son (or the day after, I cant remember) was born. I told them that I additionally gave the insurance information over the phone. The lady basically admitted that the hospital fucked up (I wish I would've recorded this call for evidence, I know I'm an idiot) and admitted that they never submitted the claim because they thought I didnt have insurance. The insurance info that I gave over the phone last time wasnt even in their system. Well now I'm hoping that they will actually bill my insurance company, but as it is outside of the 90 day window, I'm a little worried my insurance company will reject the claim. Legally standing, am I fucked? Is there anything that I can do about this? Since I didnt actually record anything, do I have any way to prove that I supplied the hospital with insurance information and that they were negligent in filing on time? The only reason why I worry is because I could see the hospital saying "he never gave us the information in a timely manner" even though I did. His claims with an ENT and his pediatrician have all gone through fine. Could i use this as evidence that the hospital is to blame? Like if the other 2 healthcare providers he has visited have submitted claims (which proves that I gave other healthcare providers his insurance info), there would be no reason for the judge to believe that I didnt provide insurance information to the hospital on time, right? [link] [comments]  |
| Term Life - raising rates on recertification? Posted: 04 Apr 2019 01:57 PM PDT I have a term life insurance policy with State Farm. My agent called to see if I'd like to try recertifying to see if I can get a lower rate. Sounded good, so I submitted the application again. Now they want me to redo the interview and physical exam. I thought this sounded odd, so I asked for some documentation stating that my current in-force policy can't have its premium raised as a result of the recertification process. My agent said she would look for documentation. She called me two days later stating she could find no such documentation but verbally attested to this as fact. It sounded a little fishy, so I called State Farm myself, and two of the reps on the phone said that *yes* they *could* raise my rate. The second rep put me on hold, and transferred me to an underwriter who said they could *not* raise my rate, and that I had the option to reject the recertification. Again, I asked for this guarantee in writing and they could or would not produce it. Am I being paranoid or are they that dishonest? And how hard is it to put a sentence to this effect in an email? [link] [comments]  |
| Lower Comprehensive vs Glass Deducible? Posted: 04 Apr 2019 01:37 PM PDT I'm between Allstate and Liberty Mutual for my home+auto insurance. Both are coming within $25 of each other (Allstate being cheaper). The one major difference is Allstate has a $100 deductible for comprehensive vs Liberty Mutual has a $1,000 comprehensive but a $0 glass deductible rider. I've had 2 windshields crack here in CO since moving here 3 years back. The $0 glass deductible seems like a better deal in our case, however, CO is prone to hail storms where comprehensive would be used -- that said, we haven't had any hail issues thus far (knock on wood). So assuming we have a cracked windshield every 2 years: the following would happen Allstate: Save $25 on premiums, pay $100 Liberty Mutual: $25 extra on premiums, pay $0 In this case, LM comes out. Hail damage: Allstate, Pay $100, rest is covered Liberty mutual, Pay $1000, rest is covered. In theory, Allstate seems to be a overall better value, however, would a glass damage claim under comprehensive instead of the glass rider cause my rates to go up? It's also interesting -- Allstate has significantly better pricing on my Homeowners portion but is more expensive on auto, and Liberty Mutual is the other way around. Any chance going with LM for Auto and Allstate for Homeowner's would somehow net a cheaper price than bundling? [link] [comments]  |
| Posted: 04 Apr 2019 01:30 PM PDT What are your thoughts about becoming a claims adjuster? Independent Adj. or Staff? [link] [comments]  |
| Can I do partial restoration and keep the difference from my claim funds? Posted: 04 Apr 2019 12:19 PM PDT Water damage caused the entire downstairs area to need flooring replacement/restoration. Since I have the same flooring upstairs and downstairs, my adjuster included the upstairs in the claim amount. Check was made out to my mortgage co, and to me. Mortgage co wants to see the adjuster's breakdown, and they will send an inspector to the house when the job is done. QUESTION: If I'm ok with restoring ONLY the downstairs area, but leaving the upstairs untouched, can I keep the difference from my claim funds? If this is possible, what can I do to make this process go smoothly? Thank you! [link] [comments]  |
| What to do with insurance money? Posted: 04 Apr 2019 10:26 AM PDT (Located in Ohio) Hi. I was in a car accident a week or two ago and I was found not at fault. The other driver turned left and ran into me. The damage was basically all cosmetic and a little bit of radiator damage but the shop said it would be around $6,700 to repair. However, this is more than what I am leasing this car for! It is a 2009 Honda Accord EX with around 130k miles on it. I got a great deal a few years ago and got it for 6,400 with 113k miles. Anyways, the insurance agency wants to total the car due to the damage cost being more than 75% of what the car is worth (around 7,500), even though the damage really doesn't look that bad. I have two options: ask them to pay for repairs and keep driving the car, or total the car and get a check for $7-8k, which would allow me to have about $4,500 for a down payment on a new car. I wanted opinions on what would be the best option. On one hand, if they pay for the repairs I could ask to be compensated for the diminished value as well. But I don't know if I want to drive a car that no longer has a clean title or would have a "rebuilt" title as I know how much it can affect the value when trading it in. The other option, which I am leaning towards, is receiving the $7-8k check and paying off the Accord, then getting a nicer car with a clean title. Any suggestions? [link] [comments]  |
| Need agent advice in TX on old accident.... Posted: 04 Apr 2019 09:43 AM PDT Hello..My 16yr old son was at a red light when a teen girl took her foot off the brake and tapped his bumper. There was 2 dents and a scratch. Seemed small at the time. He stupidly got her phone number and left. Ugh! Called police said I didn't need a report. I also think the police gave me bad advice to just claim on her ins. Later we called her and got her ins info. We filed a claim with her ins. and it was paid in full for a new bumper/rental. She claimed full fault. I have Progressive at the time. Her agent said he would take care of everything and took our ins info. This was in fall 2017. Recently I learned we were supposed to call our ins, too. I didn't know that because she was at fault. We just had an at fault accident last fall and still waiting for BI claim to close. I also noticed my sons record does not show a not at fault accident on my ins website. Should I call my ins and tell them what happened to my son in 2017 now? Any advice appreciated because I want to clear this up. A friend said I was to call my ins, but I didn't know that at the time and her ins paid the claim. Dont they notify my ins? What are the ramifications of this? Also how should I handle this? Been a customer since 2003 and have had some bad luck lately. Anyone else do this, or know how they would handle this? [link] [comments]  |
| Question about Allstate Car - Company Car Verification Required when only used for Personal Use Posted: 04 Apr 2019 07:37 AM PDT Hello - wondering if anyone can help me or has experience with this. I have been with Allstate in NY since 2005 but just moved to CT last month and had to find a new agent since I was told by my old agent that they cannot write a policy for a different state. So I found a local CT agent and signed up for basic car insurance (I am leasing a car so I had certain minimums but nothing special beyond that). My car is only used for personal use as I still work in NYC and commute to and from work via the Metro North Railroad (I don't even drive to the station as I either walk or take a shuttle). My new agent is telling me that I need to prove I have access to a company car to show that I don't use my car for work otherwise my rate will jump by roughly $450 a year. I have to prove this by getting a letter from my company (on company letterhead) for the company car verification (I have pasted the specifics below). I have never had to do this before in my 14 years with Allstate. Has anyone else experienced this? In the past I just said I had the car for personal use and that was enough, the burden wasn't on me to prove I was using it for work. Here is specifically what they are asking for (it is as if they assume I am a traveling salesman and that is what the car is for): Send Company Car Verification
Any thoughts or help would be greatly appreciated. My agent has said it is also called "Factor Rate Change" and it is required for some reason - could she have signed me up for the wrong type of coverage? Thank you! [link] [comments]  |
| Self Pay Price and 3rd Level Appeal Posted: 04 Apr 2019 06:06 AM PDT Long story short, my wife had an HSG test done last year. Insurance will not cover the test but covered the procedure that was a result of the findings on that test. Insurance is denying stating that it is related to infertility and at that time, we didn't have infertility coverage on our plan. There was a lot of back and forth between the Dr, insurance, and facility over this claim and time quickly passed. They quickly turned it over to collections so we just paid the bill outright(mistake).
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| MA Basic Auto/Home Insurance Coverage Questions Posted: 04 Apr 2019 05:29 AM PDT Hey, I am in Boston area. I feel like I am overpaying on my auto insurance and recently also purchased my first home and had a few questions about the Condo policy I have. I have been with Liberty Mutual for almost 10 years and I think I am overpaying a lot and trying to make sure I have an understanding of all the pieces before I start shopping around. For Auto: My current compulsory coverage is:
And then under Optional Auto Insurance:
On the Condo front: note I have an umbrella policy covering my Condo building via my HoA but have an additional 'Condo Policy' covering my specific unit
And Additional Coverages section:
My questions are: For Auto:
For Condo:
General: Is there anything else I should know? Does this all seem reasonable otherwise? [link] [comments]  |
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