Driver turns across my lane, stops in road; accident 10% my fault? Insurance |
- Driver turns across my lane, stops in road; accident 10% my fault?
- New Agent in Michigan - Overwhelmed and Looking for Help
- Is it illegal to have two health insurance plans and not do coordination of benefits?
- Hit a car backing out of a drive way, in reverse, when I was already on the rod. Who is liable?
- Gap in car insurance coverage
- Multi Car Discount Fraud
- Auto - Questionable "Total Loss" on Hit & Run Accident (Updated w/Specifics)
- FL Health Insurance company confirmed to me in December 2018 via their 'message center' that my poilcy was cancelled as requested. Yesterday I noticed that they are still charging me over $400 a month.
- When are insurance brokers paid?
- Dumb question about the insurance grace period when buying a car
- thoughts on kemper car insurance?
- Roommate moving out; what to do about joint rental insurance?
- Are our agents feeding us a line of BS cloaked as a "requirement"?
- Requesting Cash Payout From Accident When That Hasn't Been Offered
- Car Ins/Accident questions
- a question regarding full coverage auto insurance
- Why would insurance offer me more money than requested to total my vehicle?
- Farmers mistake
- CLUE Report Inaccuracies
- Steps in total loss
- Totalled my 2015 mitsubishi outlander sport es manual transmission.
- 3rd party insurance and proof of liability
- Covering Asbestos Siding (FL)
- Switching auto insurance (Ontario Canada)
| Driver turns across my lane, stops in road; accident 10% my fault? Posted: 09 Aug 2019 01:27 PM PDT So this is obviously a question about dealing with car insurance. Last week, I traveling down a straight, 40mph road on my way to work. Someone in the other lane started turning (their left; so across my lane) in front of me towards a parking lot (so not an intersection). I took my foot off the gas and covered the brakes for maybe a fraction of a second before I realized they were slowing down, when I hit both the brakes and the horn. Their brake lights are clearly visible in the dash cam footage as the came to a stop in the road, where the front of my car collided with the back of theirs. (Side note: Get a dash cam. This asshole lied to their insurance and never submitted a police report. Imagine their surprise with I give their insurance not only the police report, but also my dash cam footage and a still of their face.) Anyway, NONE of that is being contested. The problem is that their insurance says I didn't hit the brakes soon enough. This person started turning a maximum of 70 feet from me and I hit the brakes as soon as I saw they were slowing down. I don't mean to turn this into a physics lesson, but a 40mph, you have around 44ft of "reaction distance" (how far you travel before your brain goes "oh shit") and ~80ft of actual stopping distance. I feel like I was within that reaction distance. Is it possible for me to argue them down? Even if it was only to 5% my fault, I can work with that. Right now I'm looking at $400 out of pocket. [link] [comments]  |
| New Agent in Michigan - Overwhelmed and Looking for Help Posted: 10 Aug 2019 12:38 AM PDT I just started a job this week as an insurance customer service representative with no prior insurance experience. I was very upfront about this in the interview. I don't take the p&c classes until the end of Sept and I am feeling very overwhelmed. I work for an independent agency that works with 8 different insurance companies. The owner is gone most of the day. There is one lady in the office with me but she has so much she is trying to do that she doesn't always have time to teach me. And when they are working with me, the speak as if I've been in the industry for a long time. They also rush through showing me things because they are busy. I'm upfront if I don't know what they are talking about and I ask lots of questions but I am overwhelmed. With no prior insurance knowledge I'm feeling very in the dark. I work in Michigan and I'm looking for advice or free resources to help me learn more about insurance. [link] [comments]  |
| Is it illegal to have two health insurance plans and not do coordination of benefits? Posted: 10 Aug 2019 12:48 AM PDT My work offers a UHC PPO (150$ deduct, $3600 out of pocket max, standard low copays $10 primary, $20 specialist, 20% coinsurance, $10 tier 1 rx, yada yada) and won't cover one of my meds that is $1600 a month. It's a "platinum" plan but UHC/optumRX suck balls IMO. For some reason they have coverage period sept - august. My husband has blue cross PPO ($800 deduct, $2400 out of pocket max, $20 primary, $40 specialist copays, 20% coinsurance, $10 tier 1 rx, yada yada) and does cover everything I need. My plan is like 60$ a paycheck but his is like $250 premium and $150 for FSA a paycheck to cover us both, and it really blows because of that one medication that isnt on UHCs formulary list, even tho i have been on it for a decade, and I can't take their "equivalencies". However, in january, my husband racked up almost $400,000 in charges at the hospital with only $2000 in bills coming out of it, so i feel like we got our money's worth in all this. But yea, he is only covered under his plan. I have been on these plans for two years now, and never told either insurance about the other one because I heard COB is a nightmare. However, I just go to the Dr and tell them to bill blue cross first and things usually work out. I get kinda irritated when they bill UHC for copays because it isn't going to my OOP on blue cross... Anyways, I have looked at claims from my providers and a lot of them I tell them to bill me for the copay, and some have stopped asking me even for a copay. I noticed they were billing both insurances and sometimes getting paid out but most of the time were rejected. Is this illegal? I don't think I am doing anything wrong. My parents said they have always done the same thing, and even growing up I remember having two plans with no "coordination of benefits". I have never had insurance companies duke it out over who pays, and for some reason things like prescriptions have been going to $0 for me recently and I dont think I hit my OOP max but it's possible I did already... COB seems like it causes everyone a ton of trouble, and if I ever got in trouble, I assume I could plead ignorance? [link] [comments]  |
| Hit a car backing out of a drive way, in reverse, when I was already on the rod. Who is liable? Posted: 09 Aug 2019 07:57 PM PDT As title says, I reversed out of my drive way, onto the road, and slowly begun reversing back as I was letting my mums car out of the drive way. As I was reversing down the road (directly in the middle of the road) I was fixed right upon my mirrors, when a car came reversing out of a driveway (opposite, and too the right of my house) without looking or giving way, placing about half of her car on the road, not giving me a chance to stop (there would of been about a metre gap by the time she had pulled out, I couldn't stop in time and she came out too quickly for me to see), and my rear bumper collided with her rear quarter panel. Am I in the right as I was backing back safely, and she didn't give way to a car who was already on the road (with reverse lights clearly on) before her? I'm from Victoria Australia if that makes any difference. [link] [comments]  |
| Posted: 09 Aug 2019 11:38 PM PDT Hi! Currently my husband and I share a car (both of our names are on the title) and are both on the insurance policy. We recently moved from PA to CA and are still covered while we register the car in CA and get state residency, etc. I will be moving to WA for grad school in the fall and will depend solely on public transportation and ride-shares. Should I become a CA resident to stay on the car insurance policy? If I don't and there is a gap in my coverage will I later be penalized for it (with higher rates or something like that)? Thanks! [link] [comments]  |
| Posted: 09 Aug 2019 07:23 PM PDT Hello all, I have a question about my insurance and the multi-car discount I was getting. Throwaway because I'm scared lol. TLDR: committed multi-car discount/address fraud but it's not been figured out yet and I don't know where to go from here. So, I've owned my current car for three years, and I've had a policy with State Farm in CA. I was added to my grandparents policy (I'm listed as the primary driver, paid my own policy etc) so we could get a multi-car discount. However, I haven't lived with my grandparents at all, but my insurance is listed under their address. My car has always been registered at my own address. I was under the impression that we got the discount because we lived in the same city and we're related, and it didn't matter if I lived with them or not. I'm stupid, I know. I didn't even keep the paperwork from my contract so I can't go over it. Well, my grandparents moved so I figured I should be under my own policy now that we're not in the same city. I started doing some research, learned that what this was is misrepresentation and flipped the fuck out thinking I'd ruined my life. I had an appointment scheduled with my insurance agent so I went and removed myself from my grandparents and gave them my new address. I didn't say anything because I was afraid. My updated policy has been turned into the underwriter's, so I'll see if they figure it out. I already know the consequences (policy being cancelled, owing money etc) but I have some questions I couldn't get clarification for on google. 1). Let's say the underwriter's don't find out now and I keep my policy with them. If i get into an accident and file a claim and they find out then, they can deny my claim, right? Is making my own policy making a new contract or is it just amending my contract with them? Thankfully I haven't been in an accident and neither have my grandparents, but I'm worried about potential future accidents. 2). Should I come clean and just tell them if they don't find out now? Should I cancel my policy with them go to a different insurance and not say anything? 3). My grandparents aren't worried about it, but what will happen to them if they get into an accident? Will their claim get denied too? I'm kind of freaking out right now. I have no idea what to do. I'm very, very afraid of getting in a lot of trouble for making a mistake when I was 18 (albeit a stupid, naive mistake). TLDR: committed multi-car discount/address fraud but it's not been figured out yet and I don't know where to go from here. [link] [comments]  |
| Auto - Questionable "Total Loss" on Hit & Run Accident (Updated w/Specifics) Posted: 09 Aug 2019 03:24 PM PDT 2008 Toyota Rav 4 Limited 4WD, AC, good condition. Progressive Insurance. Oregon. Side swiped while parked on street causing cosmetic damage to left side + partially detached driver mirror. No apparent structural damage. Doesn't look "that bad" to the eye, but of course, these things are expensive to fix properly due to paint matching, indention on rear quarter panel, etc. Damage appraised at $4800 by adjuster. Car appraised by insurances company at $8300 for the car. Insurance is considering this a "Total Loss" even though the repair is only ~58% of the car's damage. The rationale is that, worst case scenario, the repair could total around $5300-$5500. They said $5400 (65%) is the "tipping point" for when the car gets valued as a total loss. The salvage buyback for the vehicle was quoted to me as $3700, which seems very high. So essentially, I could end up fixing the damage and losing my title status, reducing my car's private party valuation significantly (perhaps by 50%). This comes out to a significant total net loss. We do not want to replace the car, we love the car, its still great, it has sentimental value, and perfect maintenance record making it hard to easily and securely replaced with another used vehicle, etc. I do not feel made whole in this. My questions are as follows:
What are my options and rights, and any tactics, to get proper satisfaction on this claim? To me it would be fair to either (A) receive a payout of $4800 for the repairs and retain my full title or (B) receive a check for $8300 with no salvage buyback for the value of the car. The buyback seems very high, and the threshold before considered as a total loss seems very low. Thank you for the assistance. [link] [comments]  |
| Posted: 09 Aug 2019 05:57 AM PDT I asked in a follow up message hey, wasn't this policy cancelled and they said it is still active, they'll cancel it now. What gives?! Do I have any recourse to get my money back? I have lived out of the country all through 2019 and have health insurance overseas. I can't believe they kept charging me after confirming the policy was cancelled back in December! [link] [comments]  |
| When are insurance brokers paid? Posted: 09 Aug 2019 04:43 PM PDT Does anyone know when insurance brokers are actually paid? Is it instant on top of each sale or are all the fees paid at one at the end of the month or year? [link] [comments]  |
| Dumb question about the insurance grace period when buying a car Posted: 09 Aug 2019 07:46 PM PDT In theory, would it be possible to buy a car, register it, and drive it until the maximum period your insurance allows you to drive a car (before you have to register it with them) and still be covered. So the car is still covered for X amount of days (depending on insurer), and then sell it to a friend when that period is up, let him enjoy it for X amount of days, then sell it back? Obviously selling for 1 dollar each time. Would registration fees make this not worth it? I live in California if that makes any difference. [link] [comments]  |
| thoughts on kemper car insurance? Posted: 09 Aug 2019 07:00 PM PDT anyone have experience with this company in socal? [link] [comments]  |
| Roommate moving out; what to do about joint rental insurance? Posted: 09 Aug 2019 05:09 PM PDT (NJ) Hello, and thanks in advance for your advice. My roommate and I have a joint rental insurance where they are the primary insured and I am co-insured. The insurance was paid for in full for a year. They're moving out mid-year. I'm looking to untie myself from the joint policy in a way that I wouldn't need to coordinate anything with them or need them on the phone. Are any of these viable options?
Thank you! [link] [comments]  |
| Are our agents feeding us a line of BS cloaked as a "requirement"? Posted: 09 Aug 2019 03:50 PM PDT My girlfriend and I live together. I have two cars and they are insured by a major brand that I shall call G. She has one car and it is insured by a major brand that I shall call P. Both of our agents are telling us that our significant other MUST be put on our policies (at extra cost of course). Why/how on earth can they justify that? Yes we very occasionally drive each other's cars, but we also occasionally drive our neighbor's and our friends' cars. We are insured to do so under our own policies, so our neighbor and our friends don't have to put us on their policies. By what rationale can they essentially force us to pay for double insurance? [link] [comments]  |
| Requesting Cash Payout From Accident When That Hasn't Been Offered Posted: 09 Aug 2019 03:45 PM PDT Hello! So I have insurance through Farmers. Was in an accident recently. Was not my fault. Hit and run by the at-fault driver. Basically scraped and banged up one side of the vehicle. Still drives fine. Got a quote for the repair - which is more than $5000 - through one of the shops in Farmers guaranteed repair program. So if I were to do it, the money would never pass through my hands. I'd be responsible for $500 for deductible. Would take 2+ weeks to complete - and would have to rent a car - which is not covered - another $500 or so. So about $1000 from me if I went this route. Vehicle is 7-8 years old. To be honest, I could probably take $5-6k, invest it, drive the vehicle a few more years and then sell it and take the payout money + money selling the car and buy a new one - and come out better financially - by a fair bit. Is this possible? Everything I've read tells me yes. I'm just not sure how that would be viewed by the agent/insurance company. Not worth it to do anything questionable. Can anyone comment here? Thanks very much! [link] [comments]  |
| Posted: 09 Aug 2019 02:52 PM PDT Hi, I have some car insurance questions and I'm sorry for the long post in advance! I was at fault in an accident in January, it was stop and go traffic on the freeway and I rear ended the person in front of me at @ 10 mph, my coffee didn't even spill. We pulled over, I was apologetic, we both gave thanks that neither was injured and commented on how things can be replaced but lives... etc. Come to find out now that he's lawyered up and asking for some crazy amount of money for his pain and suffering (standard neck/back claims) and ongoing chiropractor bills. The damage to his car was under $1000 according to his lawyers (just bumper replacement for cracks, nothing structural, no airbags or anything like that). She said she is expecting them to ask me soon to allow my insurance to provide his attorneys with my coverage limits and information about if I have other insurance they can also seek damages against (homeowners, work, etc). My insurance company is mad that he is still dragging this out wanting more money and wants me to give them permission to deny his injury claims, but they let me know that doing so would allow him to instead come after me directly. While I'm all for denying super fake injuries, I'm hesitant to permit the denial. I really don't own anything so they couldn't take much, but I also don't want my pay docked or something ridiculous, much less spend time in court with this guy. He's already sent my insurance through the roof because of an accident with 'injury', I'm not interested in giving him any more of my time than I have to. So, what kinds of questions should I be asking, any advice, etc.? Is the insurance company looking to just put this on me instead? She said they'd still represent me in the case even if he comes after me, so I wouldn't be alone in the process, but I'm not entirely sure what that means. I'm going to call her back on Monday to ask some more about it but wanted to gather my thoughts (and yours) first. Thanks for reading! [link] [comments]  |
| a question regarding full coverage auto insurance Posted: 09 Aug 2019 02:45 PM PDT Hello to whom this may be. I bought a 2008 Audi, and as German cars are known for doing, it got a check engine light. If I don't take care of this and my car blows up and the damage is more than the car is worth, would insurance total out my car and give me the KBB value? Or what would they do? Thanks [link] [comments]  |
| Why would insurance offer me more money than requested to total my vehicle? Posted: 09 Aug 2019 10:08 AM PDT The at-fault insurer is offering to total my vehicle or for me to withdraw my claim and receive nothing. I am requesting an amount less than the ACV based on the most recent repair estimate. I wish to keep my car and repair it. I do not want the title history affected. Per my state law, the car is a total loss if the insurer pays me 100% of the value to replace it or 100% of the value in repairs. Why would the insurance company want to pay me more money? All it appears to accomplish is negatively impact the title history and make me file for a rebuilt title. Every time I explain what I would like and how it is within the law, they just resend the offer or say "the offer is final." There isn't any discussion or negotiation. [link] [comments]  |
| Posted: 09 Aug 2019 07:45 AM PDT Me and my wife have a multi auto policy with Farmers. Last fall I was in a wreck and one of my cars was totaled. I got another car and submitted my paperwork to switch insurance. My agent at the time responded with the change and updated insurance cards. I went on with my life. This week I realized that they had my old car and not my new car on my insurance. I got in touch with my new agent and long story short, my old agent didn't submit the paperwork properly and now Farmers is asking me to pay the difference between the two policies which is like 400.00. I assume I have little recourse here but wanted to throw it out there to get some opinions. Needless to say at the very least I'm leaving Farmers. [link] [comments]  |
| Posted: 09 Aug 2019 01:24 PM PDT Hi All - I have done a bunch of reading about CLUE reports and disputes of inaccurate data and it does seem as if Lexis-Nexis is bound by the FRCA in it's reporting; An I reading this correctly ? To dispute an inaccuracy in a CLUE report, like a credit report it appears that I can dispute the information with a simple "this is not accurate" or "this claim is not mine" etc. I am under no obligation to give them any correcting information, they as the reporting agency, again like credit must insure accuracy or delete the offending entry. Can any insurance pros or legal professionals confirm this ? Yes I am aware that any answers are worth the cost I am paying for them. Thanks !! [link] [comments]  |
| Posted: 09 Aug 2019 12:19 PM PDT I just got an initial valuation report for my car from the other guy's insurance. What are the next steps for this? Are there people who can help objectively review if the offer is fair or not? How do I counter the offer if I don't agree with it? Also, for rental coverage, is it 5 days after the initial offer is presented? I remember my adjuster saying it was 5 days after the final one was accepted. [link] [comments]  |
| Totalled my 2015 mitsubishi outlander sport es manual transmission. Posted: 09 Aug 2019 12:16 PM PDT Trying to get a feel for the value that geico will give me for it. It's a 2015 with 65k miles on it. Trying to figure out I'll need to pay a remaining balance on my auto loan. I owe 12k flat, does any one know what the worth of my car is? [link] [comments]  |
| 3rd party insurance and proof of liability Posted: 09 Aug 2019 03:51 PM PDT Alright so I'm asking for very shady advice, I understand that I am fairly morally corrupt and a bad driver so let's get that out the way. This is the 3rd accident I've had with my car, the 3rd one happened about 2 weeks ago. First two I lied about it being a hit and run since myself and the other driver were both liable and we decided to handle it that way instead of invoking a full investigation. 3rd accident happen, I told police I got rear ended into someone despite no damage at the rear side of my car so they couldn't corroborate the story and I assume they will state this in the police report. 3 parties involved including myself and since the person I hit also hit someone else. And no citations were handed out. Will I be held liable since the police cannot corroborate the fact that I was rear ended? If I get a new car and start looking for a new insurance policy, will they be able to see my history of collisions? [link] [comments]  |
| Posted: 09 Aug 2019 11:29 AM PDT I just bought a home in Florida that has asbestos siding and it has been a little tough to get insurance. I was dropped by my first insurance company, and the one I currently have is a few hundred dollars more per year. I have been looking into abatement, but woo $$$$$$$. Another option is to cover it with something like vinyl. My question is if I cover it with vinyl, will it be viewed by the insurance companies as having vinyl siding? I already confirmed with the county appraisers office that to them, the home will be listed by the exterior wall type that is showing. [link] [comments]  |
| Switching auto insurance (Ontario Canada) Posted: 09 Aug 2019 11:03 AM PDT I want to switch insurance brokers. When should I start shopping around? My current policy ends in October [link] [comments]  |
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