Got rear-ended, at-fault driver wants to pay out of pocket otherwise file claim with 50/50 fault Insurance |
- Got rear-ended, at-fault driver wants to pay out of pocket otherwise file claim with 50/50 fault
- Geico Auto Limits Increase Question
- If I’m at fault in a parking lot fender bender, does the other driver need to worry about their own insurance being expired?
- What is my mother's best bet for insurance?
- First time hail insurance claim - what to expect?
- Parking lot minor accident
- Questions about dental insurance regarding wisdom teeth removal
- Just Found out the home I'm living in is uninsured HELP!
- Is there anything out there (in the US) that will help pay for my lost wages due to voluntary inpatient care for mental health (bipolar disorder and generalized anxiety disorder)
- I door-dinged a car and left a note, with no idea whether the owner will choose to reach out to me... what can I expect?
- Insurance cost of an '07 BMW 328i convertible for a 16 year old?
- Need advice!
- Why am I able to select both "Reduced By" and "Added On" for Uninsured Motorist Coverage?
- Filing a self storage insurance claim?
- [CANADA/QC] Damage to house and cars. Do I have to pay deductible for each?
- What to expect with my ACV policy and hail claim?
- Don’t have enough money to pay it, what should I do
- Roof insurance claim with ACV -- What should I expect?
- I'm going to give my brother my old car (I am the titled owner). Can he have his own car insurance even though he's not the owner?
- Corvette for a 21 year old
- (US- NY) How to get good health insurance if you don't qualify for Medicaid when you have a disability
- Over paying deductible because one office hasn’t billed because of being closed from covid-19
- Wife suffered stroke at 40. Need car insurance help.
- Canceling insurance on owned car and financing a new car
- Any way to collect discrepancy from person at fault for amount my policy doesn't cover? (Renters insurance)
| Got rear-ended, at-fault driver wants to pay out of pocket otherwise file claim with 50/50 fault Posted: 09 May 2020 06:15 PM PDT Location: Washington state, USA Hi all, I'm in a bit of a unique situation so any insights would be helpful. Here are the details:
Communicated with at-fault driver by phone and we arrived at the following strategy:
Personally, I feel it's safer going the insurance route but I don't want to be the one determined as at-fault in this case, as my insurance premium will go up as well. Currently, I'm inclined towards the out-of-pocket option. Although it's definitely riskier for me, I could be saving some money by avoiding premium increases over the long run. Dear Redditors, what do you think I should do in this case? EDIT: I can file with my insurance company but I'm scared that the at-fault driver will strongly deny that he's 100% at fault when the insurance agent contacts him. It is also possible that the at-fault driver will contact my insurance company to file a claim based on 50/50 fault. [link] [comments]  |
| Geico Auto Limits Increase Question Posted: 10 May 2020 02:41 AM PDT Hi all! I was trying to increase my coverage limits this evening, and received the following reply from Geico - link. "Why do you need this amount of coverage" I was curious if there's an expected response to the highlighted question, or why they're even asking it. Am I not allowed to ask for something like this, or is there a reason I wouldn't want to? Thanks! Edit: personal vehicle (X5), state is PA, not used for any business activities or rideshare; updated post for clarity [link] [comments]  |
| Posted: 09 May 2020 05:36 PM PDT Last week I was trying to park and accidentally hit someone's car. I was at fault; the other car was parked and the owner was no where nearby. Minor damage, but enough to get insurance involved. Went home, filed a claim with my insurance (State Farm). When I talked to the other car's owner later, he said that his own insurance was expired at the time of the incident and he worried that this meant State Farm wouldn't give any payout. I am genuinely confused by this. I'm at fault; as far as I can tell, he just needs to file a claim with State Farm and not involve his own insurance at all. Is there something I'm missing here? I'm in Ohio [link] [comments]  |
| What is my mother's best bet for insurance? Posted: 09 May 2020 02:26 PM PDT We are in the state of Georgia. She works part-time for Publix, which requires employees to work at least 1,500 hours per year to qualify for the health insurance. My mother is 62 years old and drawing her husband's social security until she eventually fully retires and draws her own at like upper 66/67 years old. Because of this, she can't work over a set amount of hours each week. If I remember correctly, sometehing like $17,640 for the year is the max you can make before they'll start chipping away at the social security payments. So the maximum is hit at 27 hours per week for her to stay under that threshold. 27 hours a week is only 1,404 hours a year, so she doesn't qualify for employer's insurance any more since they require 1,500 hours a year. What are her options? She's not old enough for Medicare/Medicaid as far as I am aware. She's not overweight and doesn't have any known major health problems. However, she recently had a scare today where her blood pressure dropped rather low and then she took a nap and it went back up to normal. She's fine now, but she needs regular checkups and a primary care doctor. I know of a good primary care doctor, but I don't know what her best bet for insurance is. All told, she's still making about $28K a year with both combined. Should she try for Obamacare or something? Any other suggestions? [link] [comments]  |
| First time hail insurance claim - what to expect? Posted: 09 May 2020 04:29 PM PDT Hey all, I've seen various comments about ACV vs RCV, and I understand the core difference. Hoping to get more details of what I may expect while doing a hail claim on my roof. Background: In shopping for cheaper insurance, the broker pointed out that I have ACV policy instead of an RCV policy. I called my current insurance and they said they have my roof age at ~14 years (They put 2006 as the date for the roof) and ACV is my only option. I'm not exactly sure where they got this number, but have no paperwork to say otherwise. I've lived here 4 years. My previous insurance policy said roof was installed 2015 (again, not sure how they decided that) and was at full replacement coverage. Made a mistake by switching, it seems... (Mistake 1?) I had an inspection so that I could gauge what I may need to budget for (I also noticed an impact crack on my skylight, and my neighbor got a new roof ~1-2 months ago). Inspector pointed out substantial hail damage, and said I should file a claim. I kicked off the claims process and have the insurance inspection on Monday. Now I feel like I rushed the process and am a little concerned about $$$ with all this. (Mistake 2?) I also signed a proposal/contract with this roofer so he could represent me/us when insurance does their inspection. He said it doesn't commit me to anything, but now I'm worried I was an idiot for signing anything (Mistake 3?). The dishonest option would be to find a new policy with RCV, wait for the next big storm in my area, and make a full claim. Too late for that now, plus I would hate to get caught in an insurance snafu and end up with $0! Sorry for the long story. Here are my specific questions:
Thanks, Roof-worried-redditor Edit: I'm in Colorado. [link] [comments]  |
| Posted: 09 May 2020 11:43 PM PDT I was delivering groceries (instacart) and was about the leave the parking lot at Safeway. I was backing up in the parking lot and I was about to switch gears to drive. I noticed in my rear view mirror, a car behind me also backing up. I quickly honked my horn and he did not stop. He then hit my car while backing up. I was already in the middle of the aisle of the parking lot. He was 2-3 feet out of his parking spot when he hit me. I then switch to drive and return back to my parking spot because there were other cars wanting to pass. I took pictures and videos of the damages and have the other drivers information. My back bumper has a little dent. It sounded worse when I heard the impact. The other car also has a small dent. I filed a claim to my insurance (progressive) and told them what happened and sent them videos and damages to the cars. Also sent pictures of phone logs/texts from the calls I made to my Mom after the accident occurred. I am not too sure what's going to happen now. This is my first accident. I learned how to drive 3 months ago. I feel like this wasn't my fault because I was already out of my parking spot, and he backed up into me. Does this go on my driving record? Do my insurance rates increase? How do I fix this dent? [link] [comments]  |
| Questions about dental insurance regarding wisdom teeth removal Posted: 09 May 2020 11:23 PM PDT I am college student located in Florida and for wisdom teeth removal costs $4000 without dental insurance. I'm currently using dentalplans.com to navigate through different dental insurers and see that they can be activated a day after purchasing the plan. Can it be possible to purchase a plan to save money on the wisdom teeth removal? The surgery will be in a week and a half from now [link] [comments]  |
| Just Found out the home I'm living in is uninsured HELP! Posted: 09 May 2020 11:20 PM PDT Hi everybody, I really hope someone can give me some advice here. I've just found out that my SO, who owns the home I'm living in, has been going without insurance. I honestly have no real clue why they didn't do something about this earlier, because for the love of god, we can afford homeowners insurance. Anyway, I'm concerned that we try to insure the home now, the fact that it hasn't been will be an issue. There has to be some way to fix this, because I will never sleep through an electrical/wind storm or tornado warning again if I can't set this straight. Thanks guys [link] [comments]  |
| Posted: 09 May 2020 06:28 AM PDT I mean, the title says it all and I think I know the answer (sadly, no) but I have to ask - is there ANYTHING out there that would actually help me financially get through the inpatient care that I desperately need? I'm 23 and haven't got much for savings yet (no, I don't spend all my money on Starbucks and whatever else ppl blame young ppl not having money on) so being out of work for 2-4 weeks would be absolutely detrimental to my finances, I'd just be trading one anxiety for another after I'd get out due to the struggle to pay for my existing bills AND expensive inpatient care all while being out of work for the duration of my stay. I asked my Aflac rep and she said they don't cover mental health, which totally blew me away. Maybe I don't fully understand impatient care, I know I definitely don't understand insurance, idk. Why in a world of increasing triggers for debilitating mental health problems would there be no financial help for this (esp for ppl like me who just haven't had enough adult years in life to be able to save up a substantial amount of money, I'm not lazy this just takes time when you don't make a whole lot and have bills to pay)?? Guess I'm just too naive, big surprise there. Any help would be appreciated. Yes I absolutely realize there are ppl out there who can't work and ppl are dying everywhere at an incomprehensible rate and many have bigger financial problems than maybe I do, but in the end my life is on the line (no, I am not a danger to myself at this time, but I have been many many times and will likely be one again) and I want and need help but it's so goddamn expensive and so is rent aaaaaaaaah. Not asking for a govt handout but God I'd take anything right now to get my life back from the clutches of my mental health demons. [link] [comments]  |
| Posted: 09 May 2020 09:01 PM PDT Hi! I'm freaking out a little bit. I door-dinged a car earlier today (while parked, I just opened my door a little too far), and it left a tiny scuff. Maybe a quarter inch, if that. It's really barely noticeable, but I left a note. I've been told it probably wouldn't be too much money to pay out of pocket and not go through insurance, if the person decides to reach out to me at all. I'm mostly just nervous because I'm about to get rid of the car next month (and therefore end the insurance policy on it). What would happen if the person chooses to reach out to me after then, and god forbid they try to have me pay more than a reasonable amount? Could I still make a claim for something that happened while I was insured, after I no longer have the car? Am I supposed to report this to my own insurance company just in case? Thanks in advance. Edit: I live in Virginia. [link] [comments]  |
| Insurance cost of an '07 BMW 328i convertible for a 16 year old? Posted: 09 May 2020 08:38 PM PDT |
| Posted: 09 May 2020 07:49 PM PDT Illinois, USA So I was hit while parked , the person at fault reported the claim to their insurance a day before we had reach an agreement to fix the minor damage. I told them that I wouldn't do a claim and suggested that they cancelled theirs since we came to an agreement to fix it. The person at fault paid to get my car fixed. Everything is good now. Today I received the claim investigation form to write down my version of damage. From their insurance. My question is do I need to fill it out if they already fixed my damaged? Would the insurance company cancel the claim if they don't receive a response from me? Should I call and say they fixed it? If the person- at fault forgets to cancel the claim what happens? [link] [comments]  |
| Why am I able to select both "Reduced By" and "Added On" for Uninsured Motorist Coverage? Posted: 09 May 2020 03:58 PM PDT I am currently shopping for new auto insurance due to the increase in mine. I've had no claims, tickets, or accidents and I'm not in that the high risk driving age. I am finding better quotes everywhere for the same coverage with a 30-45% decrease on premiums for the same coverage. The last time this happened my agent could not beat the quote, so I switched. I've looked around Reddit and general Google searches for this, but I am coming up blank here. Every source I've come across compares these two separate uninsured policy features, but with Liberty Mutual Auto Insurance you can select both, yet no other auto insurance I've tried to get quotes from gives you this option to select both. Wouldn't these two conflict with each other? There is a noticeable price increase when you select both of them. Location: USA/Georgia EDIT: This is how it explains it on the website: Uninsured Motorist Reduced ByPays for medical bills if you are hurt in an accident caused by a driver who does not have insurance to pay for your injuries. Uninsured Motorist Added OnCoverage in the event that you are in an accident caused by an uninsured driver. [link] [comments]  |
| Filing a self storage insurance claim? Posted: 09 May 2020 07:23 PM PDT My SO and I recently moved homes, and rented a storage unit for 2 months as we were getting the house show ready. We had a few pieces of furniture, small appliances, various items and several boxes of records, around 450-500 total. These records were in pretty good condition, some mint. Mix of newer records and records all the way back to the 50s. We got our items from storage and began sifting through them, and around 50% of the records are damaged, apparently humidity or water damage. Stuci together, ruined sleeves and many of the records have rot. The storage unit was 'climate controlled so I did not expect this. We did have insurance for $2000 on the items. Can anyone give me an idea of what filing a claim would look like and how much I am likely to get back? I would expect replacement cost of the records in a similar condition, which I would estimate to be between $1000 and the full $2000, could vary since some would need to be shipped and have shipping costs that I'd have to check individually. How would a claims adjustors determine value? I'm concerned they will undervalue them (in my opinion of course) and that I will have to incur out of pocket cost. Any insight anyone could provide on this would be appreciated. Thank you. Edit: Location is South Carolina. [link] [comments]  |
| [CANADA/QC] Damage to house and cars. Do I have to pay deductible for each? Posted: 09 May 2020 06:24 PM PDT Hey all, Following heavy winds a couple of weeks ago, my Tempo car shelter has been ripped from the ground and laid on my and my wife's car, causing damage to the house and both cars. Here's the thing though. We recently switched car insurance to a new company, and I was waiting for my end of contract to switch the home insurance too. I opened a claim with my house insurance, but they said they can cover only the house part, and that I'll have to do a separate claim to my car insurance, which means I'll have to pay 3 deductibles? Should I fight this? Anything you suggest? Thanks, Simo [link] [comments]  |
| What to expect with my ACV policy and hail claim? Posted: 09 May 2020 04:08 PM PDT Hey all, I've seen various comments about ACV vs RCV, and I understand the core difference. Hoping to get more details of what I may expect while doing a hail claim on my roof. Background: In shopping for cheaper insurance, the broker pointed out that I have ACV policy instead of an RCV policy. I called my current insurance and they said they have my roof age at ~14 years (They put 2006 as the date for the roof) and ACV is my only option. I'm not exactly sure where they got this number, but have no paperwork to say otherwise. I've lived here 4 years. My previous insurance policy said roof was installed 2015 (again, not sure how they decided that) and was at full replacement coverage. Made a mistake by switching, it seems... (Mistake 1?) I had an inspection so that I could gauge what I may need to budget for (I also noticed an impact crack on my skylight, and my neighbor got a new roof ~1-2 months ago). Inspector pointed out substantial hail damage, and said I should file a claim. I kicked off the claims process and have the insurance inspection on Monday. Now I feel like I rushed the process and am a little concerned about $$$ with all this. (Mistake 2?) I also signed a proposal/contract with this roofer so he could represent me/us when insurance does their inspection. He said it doesn't commit me to anything, but now I'm worried I was an idiot for signing anything (Mistake 3?). The dishonest option would be to find a new policy with RCV, wait for the next big storm in my area, and make a full claim. Too late for that now, plus I would hate to get caught in an insurance snafu and end up with $0! Sorry for the long story. Here are my specific questions:
Thanks, Roof-worried-redditor [link] [comments]  |
| Don’t have enough money to pay it, what should I do Posted: 09 May 2020 04:07 PM PDT Due to Corona I lost my job and haven't had any income for the past few months outside of some odd jobs with my uncle. My moms been helping me out with rent but I only have enough money to pay for food, gas, and my phone bill, unless I don't eat, don't drive, and don't have any contact with anyone I could pay my car insurance. And now I only drive twice a week max. I've tried to contact my insurance company and they can't give me any financial help. Should I just cancel my car insurance? If so how would I go about that? [link] [comments]  |
| Roof insurance claim with ACV -- What should I expect? Posted: 09 May 2020 03:39 PM PDT Hey all, I've seen various comments about ACV vs RCV, and I more-or-less understand the difference. Hoping to get more details of what I may expect while doing a hail claim on my roof. Background: In shopping for cheaper insurance, the broker pointed out that I have ACV policy instead of an RCV policy. I called my current insurance and they said they have my roof age at ~14 years (They put 2006 as the date for the roof) and ACV is my only option. I'm not exactly sure where they got this number, but have no paperwork to say otherwise. I've lived here 4 years. My previous insurance policy said roof was installed 2015 (again, not sure how they decided that) and was at full replacement coverage. Made a mistake by switching, it seems... (Mistake 1?) I had an inspection so that I could gauge what I may need to budget for (I also noticed an impact crack on my skylight, and my neighbor got a new roof ~1-2 months ago). Inspector pointed out substantial hail damage, and said I should file a claim. I kicked off the claims process and have the insurance inspection on Monday. Now I feel like I rushed the process and am a little concerned about $$$ with all this. (Mistake 2?) I also signed a proposal/contract with this roofer so he could represent me/us when insurance does their inspection. He said it doesn't commit me to anything, but now I'm worried I was an idiot for signing anything (Mistake 3?). The dishonest option would be to find a new policy with RCV, wait for the next big storm in my area, and make a full claim. Too late for that now, plus I would hate to get caught in an insurance snafu and end up with $0! Sorry for the long story. Here are my specific questions:
Thanks, Roof-worried-redditor [link] [comments]  |
| Posted: 09 May 2020 11:26 AM PDT he lives like 10 miles from me. We are trying to avoid the hassle of transferring titles. Thanks. [link] [comments]  |
| Posted: 09 May 2020 06:49 PM PDT Can't get any quotes due to the corona virus so does anyone have any idea what car insurance would be like for a 21 year old male for a 1984 corvette? Not classic insurance. Ontario Canada [link] [comments]  |
| Posted: 09 May 2020 01:37 PM PDT I currently have a plan from Medicaid where I pay $40 a month for insurance for me and my husband and I pay copays for all my doctor appointments and medications. I have had schizophrenia since 2004. I require monthly doctor appointments and every month I have several medications. I believe the maximum amount we could earn for this insurance plan was $34k a year. My husband makes $30k a year. I was unemployed for 2 years when I was having psychotic episodes. I am unable to work normal jobs (I have tried) because I need to work from home. I recently got a job through a non-profit that helps people with disabilities get customer service rep jobs working from home. I make $11/ hour so will end up making about $22k a year which would disqualify us from our current insurance plan and neither of our jobs offer benefits. I've looked at market place prices for insurance in NY and it's generally $300/month per person for insurance with incredibly high copays which I can't afford. I applied for disability in 2018 but was denied after my hearing in February 2020. My lawyer is appealing but I don't have high hopes. I was denied for being 28 and having quite a bit of a work history. My insurance will need me to reapply in January 2021 and if I am still working and denied disability again and am rejected for my insurance plan, what are my options? Thank you for taking the time to read my post. [link] [comments]  |
| Over paying deductible because one office hasn’t billed because of being closed from covid-19 Posted: 09 May 2020 09:16 AM PDT I usually set aside enough money to cover my deductible for the year since I'm a lifetime cardiac patient. This year I decided to use that money for some new hearing aids which would easily meet my deductible. However, when I paid for them at the beginning of March, the office never billed insurance before temporarily closing due to the pandemic. Since then I've been having to pay for other dr visits and scheduled tests and am nearing paying my deductible without the hearing aids being billed. I've got a ct scan at the end of the month that will probably meet the deductible. When the hearing aids eventually get billed, does the office typically reimburse the patient for the over-payment? Or does the insurance company? I'm going to try calling both the office and insurance Monday, but the office is only doing tellehealth and don't think I'll get thru. [link] [comments]  |
| Wife suffered stroke at 40. Need car insurance help. Posted: 09 May 2020 08:23 AM PDT My wife suffered a bleeding stroke a few weeks ago and still has no right arm or right leg movement. She's working hard at the rehab center but nobody knows how long or to what extent she'll recover, although doctors/therapists say she's on a good path. Only time will tell and we're hoping for the best. So my issue is about removing/excluding her from our auto insurance since I don't expect or want her to drive for at least 6 months and she agrees. A little backstory: We switched over to Esurance on March 25, 2020. Our 6 month premium is now $1500 ($250/month). Prior to switching, we had been paying nearly $350/month to Progressive because of an accident she had in Sept. 2018. My driving record is clean. We each have a financed Honda. A few days before her stroke, our offer to buy a house was accepted. Yesterday, as I was discussing homeowners insurance with a Farmers agent, she suggested bundling home and auto insurance to lower premiums. Now I have a few questions and concerns about this situation to guide me come Monday morning.
Thanks for any help!! [link] [comments]  |
| Canceling insurance on owned car and financing a new car Posted: 09 May 2020 11:54 AM PDT Ok so I'll try to make this fast. I bought a car for about 2200 back in March and with that I got limited torque with progressive. The car as served me well but I'm ready to move on from it but I don't know much about the process. So my question is would I be able to cancel the insurance for this car, it wont he driven AT ALL and get insurance from a different provider on the new car? Or is this just a dumb idea? Again I'm new to this whole thing, go easy on me lol. [link] [comments]  |
| Posted: 09 May 2020 11:47 AM PDT My attached neighbore had a housefire which caused smoke damage to my rental unit. My renters policy was maxed out at around 10K but the sum of my possessions were closer to 20K. Is there any way to collect the remainder from the party-at-faults insurance? Edit: I'm in Portland, OR [link] [comments]  |
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