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    Auto insurance requirements for household Insurance

    Auto insurance requirements for household Insurance


    Auto insurance requirements for household

    Posted: 05 Oct 2019 07:06 PM PDT

    Virginia - I live with my sister and her 21 year old son. I bought a vehicle in May and purchased an insurance policy through December for $500. I received an email today saying I owed another $700 by the end of the month. Did some digging and found that my nephew was added to my policy. He got his license in June but doesn't drive so he doesn't have insurance. Is this legit? Why would he automatically be added to my policy? Can I fix this?

    submitted by /u/KnowsMoreThanJon
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    Policy holder vs. someone on the policy help

    Posted: 05 Oct 2019 03:03 PM PDT

    I am a 24 year old non-dependent on my dad's health insurance. Is it possible or legal that he could contact his insurance company and deny an insurance claim for a medical procedure he did not agree with (IUD insertion)?

    I had this procedure done almost three years ago and am just now receiving a collections notice for 4 charges from this procedure for $29, $147, $220, and $1240. I know my insurance should have covered everything and initially did. According to my health provider, the insurance company later (a few months) rescinded the payment.

    submitted by /u/darion180
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    Caregiver reimbursement for a family member

    Posted: 05 Oct 2019 08:43 PM PDT

    I am asking on behalf of a friend of mine who lives in AZ. This is my first post to r/Insurance, apologies if I miss something.

    My mother was diagnosed with cancer ~6 months ago in WA. 4 months ago she came to live with me in AZ for treatment, although this is temporary and she is still paying bills for her home in WA. I have driven her to multiple (1-5) appointments per week out of town (~45m), cooked healthy meals daily, cleaned house, scheduled all treatments, and paid for groceries, gas, car maintenance costs, and higher water/electric bills since then. She is currently in radiation treatment 5 days a week, adding travel time/wear & tear on vehicle, appointment time, and lost work hours (I have missed 5-10 work hours/week, lost income).

    She is 75+ years old and has MCR and a supplemental (probably plan F) that covers 100% of the treatments. Will they reimburse me as a caregiver for any of the non-treatment related costs? Is there assistance we can get for groceries, gas, meal delivery, or even housekeeping? She is not at a point where she needs an in-home nurse or facility care.

    Thank you all in advance, so much. The minimal research I've done isn't clear. I know my friend wants to do right by her mother but she is under immense stress. This will seriously be helpful!

    submitted by /u/anoldquarryinnewark
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    [UK] Car insurance with a job which requires frequent relocation

    Posted: 06 Oct 2019 01:29 AM PDT

    Hi!

    As the title says, I have a job which can require me to relocate to any part of the country with a moment's notice, I could be there for 3 weeks or 2 years depending on the contract. This makes insurance difficult for me as I don't know where I'll be. I can get insured at my parents address but this is a 6hour drive from where I currently am. What're the options here?

    Any help would be so greatly appreciated

    submitted by /u/MrC4ynide
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    “Comparable” cars to total loss

    Posted: 05 Oct 2019 09:29 PM PDT

    To anyone who can offer any advice!

    My insurance company gave me a low offer (shocker) for my totaled car and I got the market valuation report. The report stated that my car was compared to other 2018 VW Tiguan SELs in my area—the SEL is the highest model. I ended up calling the dealers of the comparable vehicles because I wanted to purchase one. Turns out both vehicles were the lower models of the Tiguan. And when looking at car prices of the 2018 Tiguans... there's about a 4,000 dollar difference in the two models. Also, one dealership said the vin # I gave them was never in their stock at any point in time, they even looked at their previous inventory. That dealer did find out that the car was not an SEL after doing a mass search, but this was a car he had never seen in his lot. So I have no idea where to go from here. Are these documents falsified? I mean.. had I not looked closer this would've never been caught and I would have cashed the check they sent me already. So do I have any legal options? Do I have any leverage? I feel like they were trying to play this off hoping I wouldn't catch it and I've been lied to. I was also told the price was non negotiable by my agent. I live in Ga. Thanks in advance!

    submitted by /u/estelle_blake
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    Just got hit by debris falling off a trailer. Trailer had no license plate.

    Posted: 05 Oct 2019 03:42 PM PDT

    Info: 30min ago I was driving home from work and my car got hit with a piece of flying metal coming off the back of a trailer.

    I was unable to avoid it because there were cars around me, the trailer had no plates on it, and I could not catch up to the truck safely because of traffic. I have photos of the trailer and truck that my passenger took.

    Damage: 1-2in hole in my bumper cover, scuffs, and a dent the size of a baseball.

    I have not contacted insurance yet, the damage appears to be cosmetic and the car is drivable.

    How do I best proceed with this? Car has full coverage with low deductibles ($100 deductible for comprehensive and $500 deductible for collision)

    submitted by /u/Jeremyx2
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    Screening colonoscopy re-coded and billed as diagnostic?

    Posted: 05 Oct 2019 08:59 AM PDT

    Ok, I think I've done my homework here, and read several posts on this, which seem to support original thoughts, but I want to confirm and ask how to proceed.

    [Background]I live in Florida and have good quality (for the US anyway) insurance through the State from Florida Blue (PPO).

    I was referred to the local hospital (part of a large network) by my G.P. for a routine colonoscopy *strictly* due to my age (i.e. > 50 yo). I scheduled the procedure, which went pretty much routinely. I *was* informed that they had found a couple of polyps, which they had removed, which is very common. Those polyps were sent out for screening and determined to be precancerous (a common result).

    My coverage very clearly states that colonoscopy screenings are included with a $0 copay (in multiple places, but this is an example: https://www.floridablue.com/sites/floridablue.com/files/docs/FEP%20COL%20Bulletin%20900-3036-0419%20approved%204.4.pdf ). I can understand and accept if the polyp removal incurred additional charges, which could incur a copay.

    HOWEVER, I received bills from the hospital with the *entire* procedure coded as a diagnostic colonoscopy, and Insurance is billing me the 20% copay for the entire cost. The facility charge alone is nearly $6000, and there are associated charges for materials, anesthesiology, the anesthesiologist (yes, those are seperate!), the attending physician, etc. Overall, the total charge approaches $9000 (some of which is reduced due to Insurance limits). The amount they are expecting me to pay for the co-pay is over $900.

    I spoke to my G.P.'s office who confirmed that I was referred for a preventative screening. I spoke to my insurance company, who said they are billing based on the coding applied to the procedure. I spoke to the hospital who told me that it is their practice to code the entire procedure as "diagnostic" if any polyps are found. I disputed their coding, which they reviewed and asserted that the original coding is correct, and now they've started to contact me for payment (on a weekend of course, when only the billings and collections office is open), only a few days after their response.

    Other posts here in this group suggest that screening colonoscopies remain screening procedures after the fact, whether or not polyps are found. They should not be re-classified retroactively.

    At this point the hospital says I need to speak to my Insurance company about coverage, and the Insurance company says I need to speak to the hospital about the coding. I *can* afford to pay this bill, if it is valid, or if contesting it is just a waste of time. However, if i shouldn't be responsible for all or part of these charges, and it's worth pursuing, how should I proceed?

    submitted by /u/RNG_HatesMe
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    Am I required to accept a claim I made?

    Posted: 05 Oct 2019 10:32 PM PDT

    Hello everyone,

    I am an insurance noob. Earlier this year, I purchased a Sprinter van which I have been in the process of converting into a tiny home on wheels. I travel often for work, and sometimes this means I must leave my van in a place that is hopefully safe and secure for one or two weeks.

    During one of my work stints this summer, my van was vandalized - many eggs were thrown at each side, and the windshield was hit with several BB's. I am unsure exactly how much time elapsed between the vandalism and my discovery of it (up to seven days), but I pretty much immediately reported it to my insurance company. Every estimate I have gotten will total out the van, which is unacceptable to me due to the amount of time and money I have invested in the conversion of the interior. To be clear, the van is 100% safe to drive and mechanically sound, and was not involved in an accident - it just looks like some punk-ass kids messed with it (because they did).

    Though I am irritated at the outward appearance of the van, I don't really care that much about getting it repainted. However, now that I have made this claim and learned that the amount of damage done by eggs will total a Sprinter, I am paranoid that I can't say no to my insurance company regarding my claim and just continue on as normal. I have full collision and comprehensive on this thing, and I don't really know what happens with vehicle ownership post-totalling. I also have no idea what the reality of trying to insure a vehicle on a salvage title is like. I do not want to know - I have sunk a great deal of blood, sweat, tears, time, and cash, into this dream.

    Can anyone please shed some light on what my options are, or perhaps chime in on the total-loss process if I am hellbent (I am) on keeping this vehicle/home?

    Thank you very much.

    P.S. Fuck teenagers.

    submitted by /u/meedrox
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    Totaled car in CA - what to do with plates?

    Posted: 05 Oct 2019 10:18 PM PDT

    Insurance company deemed my car totaled; they're going to take it. Do I leave the plates on, or do I have to return them to the DMV? Or can I just keep them? This is in California. Thanks in advance

    submitted by /u/bangersandcrash
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    Impact on insurance for a non-driving suspension in NY

    Posted: 05 Oct 2019 12:17 PM PDT

    My almost 20 year old child got busted in NY for having a fake ID. The DMV sent a letter stating that their license will be suspended for 90 days, with the possibility of being able to drive to school and work only. We are calling a lawyer to see what our options are but I am wondering what the impact will be on our insurance if they serve the suspension. They have had the license for more than 3 years and have no points. They have a car at school and we have a car each for myself and spouse .

    Some articles I have read say that a non-driving suspension may not have a large impact on insurance. Does anyone know if this is the case in NY?

    submitted by /u/throwmeaway8669
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    Help with Auto Insurance PA

    Posted: 05 Oct 2019 01:18 PM PDT

    So to keep this brief, I have been shopping my auto insurance around recently only to discover that I have an at fault accident against me from roughly 20 months ago. I did claim damage to my vehicle for contact with a pothole, but I was found not to be at fault through my insurance. What do i need to do in order to get this corrected? It's really impacting the prices of auto insurance for me

    submitted by /u/w8in4dd214
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    Aetna's On Trak Program - Will this hurt me?

    Posted: 05 Oct 2019 09:49 AM PDT

    I have a bunch of medical issues, and so Aetna called and they put me on this On Track program which is "a perk of the insurance plan". It seems like a great deal: I'm getting the patient assistance plan so I won't pay copays anymore, there's a nurse coordinator managing my case, I'm going to get mental health counseling over the phone for free, if I need a doctor to check something basic with the nurse can let me talk with one free, they can help me find providers in my area for whatever services I need, and a bunch of other free services are offered.

    This kind of seems too good to be true. They didn't actually seem to know much of anything about what actual medical conditions I have, so my assumption here is that I just got flagged by the sheer amount of money they're spending on me. I'm assuming the program is just to a - direct me to providers Cigna likes, and b - get me on track (fix what's wrong with me as much as they can) so they can stop spending so much money on me. I somehow doubt it's from the goodness of their hearts.

    Am I right? And whether or not I am, is participation in this program going to hurt me in the future?

    submitted by /u/endableism
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    Replacing stolen items after break in. (Intact Insurance / Canada)

    Posted: 05 Oct 2019 10:45 AM PDT

    We had a break in about a week ago. We're missing about $7000 in property. Winter jackets, jewelry, watches, sunglasses.. that kind of thing.

    None of the jewelry/watches were fine jewelry/expensive. The most expensive piece being about $400.

    Our adjuster is meeting with us next week.

    Are they going to make us replace each and every item piecemeal?

    Frankly, there are some items we don't want to replace. At least not immediately.

    Will insurance require us to replace each item to be 'paid out'. Or will they just cut a cheque?

    The adjuster had mentioned that claims near the $5000 can opt into the express claim process and get a cheque. But there's deductible on top of that. We'd end up with closer to $3800 that way. That barely replaces the stuff we do want to re-purchase.

    Insurance is through Intact if that helps.

    Thanks!!

    submitted by /u/MrsSterling
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    Medicaid Long-Term Care Income issues [Nebraska]

    Posted: 05 Oct 2019 09:03 AM PDT

    My 90 yo grandmother has nearly no assets to her name (likely less than $1,000). Her only source of income is social security of around $1,600/mo. While some states allow up to ~$2300/mo to qualify for long-term care Nebraska seems to only allow around $1,000.

    She has stayed in her own apartment for years, but now needs long-term assistance to accomplish life. Are there any strategies to lower her social security or any way to get below that $1,063 mark? If this isn't the right sub and advice on which sub would be the most helpful would be very much appreciated.

    submitted by /u/The_hat_man74
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    Am I screwed

    Posted: 05 Oct 2019 03:51 PM PDT

    I was supposed to sign a waiver opting me out of my Aetna student insurance plan that comes with my tuition by Oct 4, I've already emailed them but what are the chances they take my waiver a couple days late? Like how strict are those kind of things usually

    submitted by /u/TrickRanger
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    Sonnet Auto Claims

    Posted: 05 Oct 2019 03:39 PM PDT

    Has anyone in Canada SUCCESSFULLY dealt with sonnet insurance?

    My husband was in a collision. The other driver admitted fault on the police report, but Sonnet insurance still made him pay the deductible!

    He never has time to sit on hold on the phone so he's been desperately trying to get in contact with his claims adjuster through email and has had zero response.

    Is he ever going to see that money again??

    submitted by /u/WhiteChoklat2019
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