[AZ] Son got a DUI - Possible Impacts to Mom's Auto Insurance Insurance |
- [AZ] Son got a DUI - Possible Impacts to Mom's Auto Insurance
- I have a medical/pharmacy plan through my employer and a Medicare Advantage plan due to disability. No one can agree who pays primary.
- Long term disability insurance with high blood pressure? (hypertension)
- Query About Car Insurance Coverage
- 2 accidents in a month by my ex
- Wife Insurance
- Weird insurance policy by Allstate
- Aenta screwed up, and is trying to make me pay
- What to do with police report for car accident in South Carolina, insurance is from Michigan
- Life insurance owned by grandparent
- Parents and Insurance Agent Want Me to Lie
- Dental Plan Choice
- Does anyone here have their Oklahoma Adjuster's License?
- (NY) how do I find out how much insurance the other driver has
- Got into an accident recently and the claims form has a line for my SSN, why would an auto insurance company need that?
- Switching insurance after birth of child
- Can you have Uninsured Motor Vehicle Property Damage Coverage, WITHOUT having Uninsured Motor Vehicle Coverage (bodily injury)?
- How does re-payment of assistance work for Covered California?
- [Ohio] Insurance company was not fully reimbursed for an accident that I was not at fault for, now they are not being renewing my policy due to too many claims plus one speeding ticket. I was not at fault for any of these 3 claims
- Are there any downsides to canceling my SO's life insurance through my work if I'm replacing it with term life insurance?
- Question about my wife who is dual insured. (Two deductibles to meet?)
- Car Hit by a Speeding Bicyclist, Windshield Needs Replacement
- NC DWI Accident
- Daughter lives in household, but with own auto insurance policy. Can she and her car be added to parents umbrella?
- DDS waiving fee?
| [AZ] Son got a DUI - Possible Impacts to Mom's Auto Insurance Posted: 27 Aug 2019 10:08 PM PDT Crosspost from /r/legaladvice . My girlfriend carries her son's auto insurance. He pays his premium to her. Son got a DUI, which almost certainly means a dramatic premium increase. What impacts potentially exist to Mom's auto policy? Could her entire policy be canceled? Thanks for your insights. Son does not live with her. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 01:43 PM PDT TL;DR'ing as best I can from the start of this post, because the full bulleted list of bullshit is 6 pages, no lie. Plan A, through my employer (currently and forseeably employed full-time), should be the primary payor on all claims, as stated by the Centers for Medicare and Medicaid Services (CMS). Plan B, a Medicare Advantage plan, pays secondary on all claims. The opposite has been happening for two years, with Plan B paying primary and Plan A paying secondary. I only discovered this discrepancy in June, but immediately began to work to get it fixed. Medical was fixed a couple weeks ago with Plan A and B working out who owes what to whom between themselves. Pharmacy, on the other hand, is still broken, despite relentless hammering from myself and my HR VP, and multiple assurances from the broker that it should now be fixed. Electronic claims submitted by my pharmacy either to Plan A alone or to Plan A coordinated with Plan B are being rejected by Plan A that the primary payor needs to pay first. This -twice- is now three times in the last three business days after the broker stated in no uncertain terms to my HR VP that Pharmacy coverage was flagged as primary under Plan A, and those claims would process. I've contacted CMS; they advised I would need to call Plan B for COB assistance. Plan B's rep says that things are configured with Plan B as primary, Plan A secondary. I called Plan A; they said the exact same thing, despite the broker's statement to the contrary. I called the Medicare Benefits Coordination and Recovery Center -- they reconfirmed both Plan A and B were wrong, and Plan A should be primary in all cases. I don't know what I or my employer can do from here. I'm not picking up any medications now until this is absolutely confirmed; I'm not going to get into a situation where Medicare wises up and then I'm wrapped up in defending myself from a fraud allegation, so I'd much rather go on the offensive. I'll accept any and all advice here, but I do have one specific question: If I end up having to sue Plan A and/or Plan B, am I obliged to name my employer as a defendant in the suit as well? [link] [comments]  | ||||||||||||||||||||||||||||||
| Long term disability insurance with high blood pressure? (hypertension) Posted: 27 Aug 2019 11:43 PM PDT Hi everyone, I am 34 years old male 5' 11" 260 lbs. Being on the fat side, I have developed hypertension. I take medication for it and it has been under control 100% of the time. Other than this, I do not have any medical problems. I had an annual physical a few months ago all blood/urine work was normal. My question is - will this condition exclude me from getting long term disability insurance? I appreciate any info! [link] [comments]  | ||||||||||||||||||||||||||||||
| Query About Car Insurance Coverage Posted: 28 Aug 2019 02:39 AM PDT Hi everyone, I rented a car in Azerbaijan through a reputable website by credit card ( No my credit has no insurance coverage of any kind ) - Yes, I asked them but the customer care representative was so lacking in knowledge and does not want to help at all - and my insurance include: Collision Damage Waiver (CDW), Theft Waiver (THW) and Third Party Liability Insurance (TPL), so when I returned the car to the rental car company. The guy who inspected the car found a crack in the rear bumper - I think because of me - and he said that he will deduct an amount of 100 AZN ( approximately 60$ ) from the deposit I made - also by credit card - as a compensation for the damages. Unfortunately, I was in a hurry at that time and I forgot to get any documentation for damages nor the amount that will be deducted. My question is whether or not I got scammed and if so, what should I do next?. TL;DR I rented a car by credit card ( with no insurance coverage of any kind ) and paid for Collision Damage Waiver (CDW), Theft Waiver (THW) and Third Party Liability Insurance (TPL). Cracked the rear bumper and an amount of $60 as compensation for damages will be deducted from the deposit I made at the desk also by credit card. I was in a hurry and forgot to get any documentation of that. Did he scam me, if yes what should I do next? [link] [comments]  | ||||||||||||||||||||||||||||||
| 2 accidents in a month by my ex Posted: 27 Aug 2019 03:34 PM PDT So I have been a driver for about 4 years (got licensed at 30 and I'm now 34) and so far I have a clean record with no accidents or violations. I live in NYC. I dated someone for a while, and about 6 months into our relationship I added him to my coverage since he had started driving my car regularly, like a couple of times a week. Although he's not an aggressive driver, I think he overestimates himself sometimes, and he somehow managed to get into 2 minor at-fault accidents in less than 1 month (one where he caused small damage on the side of a car he was passing while driving a rental truck and one where he lost control of my car at an exit and went off road breaking 2 small plastic poles at the edge of the road). We broke up less than a month after the last incident and I removed him from my insurance. I just received the claim from the Interstate where incident no 2 happened and I'm dreading the hike in my insurance premium. I am with GEICO and I've been with them for over 3 years. How bad could it be? Essentially, what I'm asking is can my clean driving record "save" me to some extent since the at fault driver is no longer driving my car, or am I screwed for a few years because of the 2 back-to-back claims? Thanks! Edit: typo, added last sentence [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 04:46 PM PDT I've concerns over an uninsured risk. I have private disability cover, my wife does not. In the event she became disabled it's likely we would incur significant costs replacing her work in the home. Childcare costs alone would be substantial for the next several years. (As the children get older this liability decreases. ) The disability insurance I've seen is only available through payroll deduction, working in employment. Is there homemaker disability insurance? [link] [comments]  | ||||||||||||||||||||||||||||||
| Weird insurance policy by Allstate Posted: 27 Aug 2019 03:09 PM PDT Hi guys. So I experienced some of the weirdest event I've ever been with an insurance company. So here's the question that I want to ask. I recently had a policy with Allstate. It was $1531 for 6 months. I opted to pay monthly, so that's $252/month. I only had for a month and had paid for 1 month. I had only used it for 27 days, when I cancelled it. With common sense, I expected they to refund me the 3 days left. But no. They charged me $103 for no damn reasons. Here's what they said regarding this, which left me hella confused, "Thank you so much for all your patience. The premium for this policy is $1531.90. The amount of days in the policy term are 184. To get the price per day you take the premium from the policy and divide by the days in the policy term. $1531.9/184 = $8.33 price per day. The customer used 27 days of policy coverage. The premium they used is equaled to the price per day * the days of coverage. $8.3327 = $224.91 in earned premium. To get unearned premium you take the total premium and subtract the earned premium. $1531.9-$224.91= $1306.99 To determine the pro rata amount take the unearned premium and multipy by .1. $1306.99.1= $130.699 Policy fees: $0.96 total. Next, we determine how much the customer paid by taking payments made $252.87 - Payments reversed/refunded $0.00 = total paid $252.87. To get the Pro Rata Collection you take earned premium plus fees minus the total paid amount plus pro rata amount. ($224.91+$0.96)-$252.87+130.699= collection/refund amount $103.70" Can someone help me out with this? [link] [comments]  | ||||||||||||||||||||||||||||||
| Aenta screwed up, and is trying to make me pay Posted: 27 Aug 2019 03:18 PM PDT If any insurance pros could weigh in on this that would be great. Basically when I left my job, they had just switched insurance providers, so I chose a new plan and added my spouse with the intent to add our about to be born baby as well. The folks at ADP told me to add the baby after she was born. So, that's what we did. I chose the Employee + family plan, and then when the baby was born, we filled out a form to add her to the plan. We opted to use COBRA for a few months, which we did from Jan-June of this year. At some point with either adding the baby, or the cobra switch (I'm not sure, and no one I've yet talked to seems to be either) at some point my spouse was dropped from coverage. Which wouldn't really even be a big deal, but they happened to have knee surgery in January. Which was supposed to be 100% covered, but now six months later Aetna called the surgery center and said that the claim was denied because my spouse wasn't covered. They admitted to me on the phone, several times, that this happened in error. The first woman I spoke with actually said it was 100% their fault, and that someone needed to reach out to the surgery center and tell them to ignore that request. That woman worked for ADP. Someone from Aetna then reached out to me, and said that we were misquoted the Employee + Family price all along, it should have been a few hundred dollars more than what we were paying. We were already paying $1052 a month; we would have never signed onto cobra if we knew the premium was going to be $1500 a month. We can't even remotely afford that. What can be done here? It was clearly their error, we simply had been paying the number that they gave us all those months. It seems strange to me that they're coming back at us six months later trying to collect more money, when the number they are asking for was never agreed upon, never put in writing, etc. [link] [comments]  | ||||||||||||||||||||||||||||||
| What to do with police report for car accident in South Carolina, insurance is from Michigan Posted: 27 Aug 2019 08:21 PM PDT My husband and I are from Michigan, but he is in South Carolina for a few months for work. While I was visiting him in SC last week, someone hit our parked car. The police officer who responded said to file the police report with the SC DMV within 15 days, but we're not sure how to go about doing that. There seems to be a section that our insurance company needs to complete to confirm that we have coverage. Our insurance company suggested contacting our local MI agent to find out what needs to be done, but the local agent doesn't know, either. Is this something that we just send to the DMV, or does the insurance company need to do something with it? [link] [comments]  | ||||||||||||||||||||||||||||||
| Life insurance owned by grandparent Posted: 27 Aug 2019 07:43 PM PDT I have a life insurance policy that my grandpa bought me as a kid. It has a cash value I could really use, and he gave me the information for the policy a few years ago but I lost it. Am I able to claim the policy or would he have to do it? [link] [comments]  | ||||||||||||||||||||||||||||||
| Parents and Insurance Agent Want Me to Lie Posted: 27 Aug 2019 01:42 PM PDT Hello, I don't know what to do. The agent wants me to lie to the adjuster when he/she calls me later today. I think they're telling me to lie because there is no police report or any witnesses so it'll just be a he-said-she-said type of ordeal. Any thoughts or advice? I want to tell the truth but I'm having immense pressure to lie... even the agent wants me to lie it's crazy. Edit: So after much thought and looking back at the incident, I can't certainly say for 100% I was at fault. This was my first accident ever. I initially thought it was my fault because I was merging into the lane and it wasn't like the other driver was completely parallel to me but was behind/near my blind spot. It's possible that she sped up while I was merging but idk if this matters. I'm just going to honestly tell the adjuster what I saw/did and have them decide who was at fault based on the damages. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 07:35 PM PDT Plans Cost I'm likely going to pick Cigna DHMO. I believe picking this plan I have to pick a general dentist to always go to. I'd appreciate advice, more insight on the limitations of this plan and perspective on the benefits of the other plans. Thanks! [link] [comments]  | ||||||||||||||||||||||||||||||
| Does anyone here have their Oklahoma Adjuster's License? Posted: 27 Aug 2019 08:01 AM PDT I just got the study book today and it is massive...how hard did you find the test to be? My coworker typed up a cheat sheet with things to study that are actually on the test but wouldn't that be kind of pointless being as I'm assuming the questions are randomly selected each time the test is administered to someone? [link] [comments]  | ||||||||||||||||||||||||||||||
| (NY) how do I find out how much insurance the other driver has Posted: 27 Aug 2019 04:19 PM PDT A few weeks ago I was in an accident which totaled my car and caused me to break my wrist. I have received the car settlement, and I'm working with my insurance company on my no fault. I will definitely max out my no fault with the medical treatment surgery and physical therapy. Recently I spoke with the other claims adjuster for the person who hit me, he stated that their client had the state minimum in bodily injury protection. How do I know if he is telling the truth, and if not how do I find out what the coverage is? The accident was 100% his fault, thank you for all your help. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 03:59 PM PDT | ||||||||||||||||||||||||||||||
| Switching insurance after birth of child Posted: 27 Aug 2019 03:02 PM PDT Apologies for the length of the prompt/questions, but many thanks in advance for any insight into this situation. I've tried to search but haven't found a clear answer. My wife is covered by Kaiser and I have another health plan, both through our respective employers. My wife is also double-covered under my plan, but so far has receieved her care through Kaiser exclusively. We've just had a baby a couple of weeks ago, and are now in the process of updating our health coverage. My understanding is that the baby would generally be defaulted to coverage under my wife's plan, which we could apply for, or I can add baby to mine. Our ultimate goal is for all 3 of us to be at Kaiser under my plan, and for my wife to decline coverage under her employer, as my company's Kaiser offering is better. However, making this happen now versus at open enrollment has raised some questions. I can see a 3 main options, with the goal of having all 3 of us eventually at Kaiser under my company:
If we go with Option 3, which is our preference, how would coverage for the baby's birth be handled? Would the birth itself be covered under my wife's soon-to-stop Kaiser plan, and everything after birth itself covered under my soon-to-start Kaiser plan? Or would there be some confusing middle period where stopping my wife's coverage would leave her/baby uncovered and us exposed to the costs for both, even though I would be changing my plan based on the same event to cover all 3 of us? To be clear, the birth itself happened at a Kaiser hospital so this should avoid even more complication about out of network coverage. Thank you! [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 04:34 AM PDT According to the State Farm form, I can't have UMVPDC (Property Damage) unless I have UMVC (bodily injury) too. Is this true? Is this just a State Farm thing? I want the UMVPDC (property) in case my car incurs damages while parked (by vandals, etc), however I do not wish to pay for the UMVC (bodily damage). But, if I'm reading the form correctly, I cannot have the property damage coverage unless I get the bodily damage one as well. I wanted to know if that is common. Thanks [link] [comments]  | ||||||||||||||||||||||||||||||
| How does re-payment of assistance work for Covered California? Posted: 27 Aug 2019 02:16 PM PDT So my family had some incorrect job wages on CoveredCA and after fixing it, there premium shot up considerably. So much so they are about to terminate there plan. Now, for the months that they received the premium assistance from the government, are they going to send us a bill sometime next year around tax time? The new quote that they got for the new health plan (after updating there income), is considerably higher and the person on the phone mentioned it's because they are adding the re-payment back on there. Does anyone here have any ideas on this? [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 01:54 PM PDT TLDR: Insurance company did not receive full reimbursement from other driver's insurance for a wreck I was not at fault for in December 2016. They continue to hold it against me as a claim due to not receiving full reimbursement, despite paying me back my entire deductible. Full Story In July my insurance company informed me that they were not going to renew my policy due to excessive claims. When I looked at other companies, I was told that I had too many claims as well. I vented to the agent that I was being punished for something I had no control over, when someone else had hit my vehicle. He seemed surprised that I had been fully reimbursed for the December 2016 accident, and told me that if I could get paperwork from my previous insurance company showing they had been fully reimbursed for the incident, that they would be able to offer me a policy. I requested a copy of the paperwork from my old insurance company, and it showed that they were not fully reimbursed for the entire incident, despite the other driver being found 100% not at fault for the accident (my car was legally parked in front of my house, and I was not even at home at the time of the accident). For an accident that I was 0% at fault for, if they don't receive 100% reimbursement from the other party's company, that feels to me like that should be their problem, not mine. They have been holding this over me for over two years, undoubtedly inflating my rates, and now causing me to lose my insurance with them and get higher rates with my new company. I'm struggling to fully grasp the info in the tables they sent, so I'll put them below and hopefully that will help someone else make sense of this.
Driving History
I also had a speeding ticket in May 2018. I'm a 37 year old male with no other incidents on my record over the past five years. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 09:41 AM PDT My SO (who is a stay at home parent) currently has a life insurance policy through my work worth $70,000 that costs $7.82/month. We're in the process of replacing it with term life insurance worth $250,000 for $19.59/month. Is there any downside to canceling the policy with my work? Edit: Obviously we wouldn't cancel it until the term life insurance is in place. [link] [comments]  | ||||||||||||||||||||||||||||||
| Question about my wife who is dual insured. (Two deductibles to meet?) Posted: 27 Aug 2019 01:10 PM PDT Question regarding my pregnant wife who is dual insured (through her father and through my work). We recently got the first bill from the doctor's office. The appointment, with three billing lines, cost 355$ The cost for each item was split between both insurances. 185$ for blue cross blue shield (primary) and 170$ for select health(secondary). From what I gathered from my phone call with my insurance, this is correct for them to split it in this way. The issue is, if it keeps going at this rate, I will be paying towards both deductibles (2500$ for primary insurance and 3000 for secondary). This doesnt seem right... It is as if it is worse to be double covered. If we only had one insurance, we would only have to meet one deductible. Any guidance or advice would be appreciated. [link] [comments]  | ||||||||||||||||||||||||||||||
| Car Hit by a Speeding Bicyclist, Windshield Needs Replacement Posted: 27 Aug 2019 08:46 AM PDT So not sure if this belongs here or r/legaladvice, but this past weekend I was slowing to a stop sign going no more than 20 mph when a bicyclist cut through a parking lot making a blind left and hit my car/windshield. There was no way I could have seen them because of the parked cars on the street. If they were a car this would be a cut and dry example of a car hitting another car taking a sharp left without looking, and that car is at fault. My windshield needs to be completely replaced and some places have quoted me upwards of $400. The bicyclist doesn't have car insurance. A civilian took it upon himself to call 911 even though the bicyclist asked not to, and an ambulance and EMT came to take her to the hospital. She was wearing a helmet, but she had a hard time getting up on one leg that looked bruised. Basically, she looked fine, no bleeding except for the bruise on her leg. I called my insurance and they said her health insurance would try to sue the auto insurance so I just have to insist it was her fault and say I didn't make a claim because a windshield replacement is less than my deductible (my deductible is $500) So my question is, is there any legal way to have her pay for the windshield replacement because it was her fault? Or am I just stuck paying it because she doesn't have car insurance? Any advice would be appreciated, I kind of accepted I'll have to pay for it but just wanted to know if I had options. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 12:31 PM PDT My daughter was in a high speed accident in April, and we're getting into settlement discussions with All State. The driver that hit them (my dad was driving) had a .20 BAC (2.5 times the legal limit), and has been charged with DWI, reckless, and following too close. My daughter had some soft tissue damage that lasted about 6-8 weeks, but her bigger issue was PTSD (she had to go to counseling for three months to work through it). Her medical bills were around $3k, and I missed numerous hours of work taking her to and from appointments, tons of miles on my car, gas, etc... My dad's vehicle was totaled (estimated damage at $25k), but I don't think that will go into the calculations for her settlement, right? I just don't know what to expect. Given the severity of the wreck, the fact that the driver was 2.5 times the legal limit at 8am, I feel like the insurance company should be coming to us with a hefty settlement offer, especially since she's only six and we don't know if this will impact her long-term in a PTSD way. Anyone have any insight as to what we can expect for circumstances like this? We are in North Carolina. [link] [comments]  | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 12:04 PM PDT | ||||||||||||||||||||||||||||||
| Posted: 27 Aug 2019 11:41 AM PDT Hi everyone! I just went to a dentist for an emergency, as I cracked my tooth. He recommended a night guard, but said it wasn't covered by my insurance. I said if it wasn't covered then I wouldn't be able to get it because it's ~$600 and I'm a student. He said he was going to submit it under orthodontics and see how that goes. I walked out but said that if it isn't covered, I didn't want it. I called today and they said that even if the insurance doesn't cover it, that the doctor will waive the fee because he really thinks I should have it..... It sounds fishy to me, but is this legal/allowed? Would I be at fault or something if he is caught for fraud, if it even is fraud? I would like to note that he also has some other fishy things going on, like sending cease and desist letters to people who write bad reviews on Yelp for him. In hindsight, I shouldn't have gone but I needed an emergency dentist appointment. I appreciate your help! [link] [comments]  |
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