Is my car insurance company screwing with me? Insurance |
- Is my car insurance company screwing with me?
- Ontario Canada - The Motorcycle Insurance Paradox
- As an employee, if I'm deemed at fault under my company's car insurance, will that affect my personal insurance?
- Rented Duplex Flooded - Insurance Questions
- Geico and homesite?
- Being sued for fraudulent chiropractic-related x-rays and injuries
- UK building insurance without building regulations
- 100% coinsurance—what?
- Worth hiring personal injury attorney?
- I Screwed Up
- Confused on my claim
- Insurance claim for deceased
- Bit Of A Situation In Canada
- Cancelling homeowners insurance policy after it was sold, do I get a refund?
- Has anyone experienced this
- Insurance claim on property - Diamond Engagement Ring
- Kids and I are on my employer's insurance. Wife on her employer's insurance and she is resigning. Her new job offers better family rates. Can this be considered a qualifying event so I can move myself and kids to my wife's insurance?
- Does geico insurance lower after first 6 month term for new drivers
- How long for geico to review new insurance application from online
- Homeowner Hired Occasional Labor
- What should my dwelling coverage/insurance to value be for a new home?
- Expired health insurance, a broken leg, and some financial fuckery
- Homeowners insurance on a foreclosure purchased from the bank, South Carolina
- Homeowners insurance claim for stolen bike - worth it?
- Inexpensive but reputable smaller car insurance companies?
| Is my car insurance company screwing with me? Posted: 29 Jun 2020 07:03 PM PDT I have Allstate. Signed up for a policy in November and agreed on a price for my lease. My insurance was to be $139/month. Come March I was laid off, I called them and they told me they had a relief program to defer your payment for 2 months and split what you owe over the following 6 months. So I would be looking at $185 a month until I paid it off. Then I get an email in June that I owe $457. I call and ask. They said no the payments should be able to be split across a year. They call corporate for me but my policy is "too new" for me to qualify for extended payment??? So instead they defer me for another 2 months, oh and my premium went up $120 over the 6 month renewal. I'm waiting to get a check before I put a payment in but NOW my policy is saying I owe over $1000. I just don't understand what I'm looking at. The $1000 I'm sure it the cost of my policy renewed plus 2 months that I owe but nobody in the office gives me a straight answer. I'm going to cancel my policy but how do I do that? I owe for 3 months but I certainly do NOT owe $1000 [link] [comments]  |
| Ontario Canada - The Motorcycle Insurance Paradox Posted: 29 Jun 2020 07:34 PM PDT So here in Canada, or maybe just in Ontario, we've got the graduated licensing system for Motorcycles. In theory you're supposed to go down and write for your M1 license, then have 60 days of practice riding before you can go for your M1 exit exam to get your M2 license (which is good for 5 years). There's also a driver safety course you can take, which is usually anywhere from 2-5 days depending on the institution (usually a college) that you go to. In practicality, this is an excellent system. In reality this isn't how things go. Let me start with a bit of a story... I rarely ever spoil myself, so it was somewhat of a big deal when, in Christmas 2019, I decided to get myself a brand new motorcycle. I did a lot of research to find out which one would be economical, comfortable, and easy to just road-trip any time I wanted to. While I mostly intend to ride on black-top, being from the North I also wanted something that could handle gravel roads as well. As a 41 year old rider these things were more important to me than the "cool factor" of something like a Harley. I settled, as many others I found, on the Kawasaki Versys x300. It felt really comfortable to sit on, seemed to offer lots of control, had a really nice clutch, and even an ABS system. Not only that, but it's accessory list is pretty long and includes things like a skid plate to protect the engine and drop bar to prevent damage should it tip over. All of these safety accessories I made sure to invest in, as I look forward to many years of riding this bike. Getting back to my opening paragraph, I was all set to enjoy this gift to myself this spring when we were hit with Covid-19. I was one of the lucky ones, however, and got into the DriveTest center prior to it closing. Due to the government freezing all licenses, I currently hold a valid M1 license which legally allows me to be out on the road with my new motorcycle and gaining valuable riding experience. As a reminder, with an M1 license you are only restricted to;
There is nothing in these restrictions that says you can't actually ride a motorcycle. In fact, you're SUPPOSED to be riding your motorcycle for those first 60 days to gain experience. The reality of that, however, is far from the truth. In calling my own insurance provider I found out that they don't offer insurance for M1 licensed drivers. Now, I know my insurance company isn't the end-all of insurance, so I didn't let it end there. That call began a three month long session of calling insurance company after insurance company and getting denial after denial. I even spoke to people who claimed "a friend" got insurance with an M1, and I'd call up those companies as well. I was met with denial after denial, simply based on the M1 license. It didn't matter to any of them that I have 25+ years of clean driving experience, which includes holding an AZ Class license for over 10. Never mind that I rode dirt bikes until I was 18 years old (back-country riding). Never mind that I've never had a ticket, not even a parking one. Never mind I've never made an insurance claim, any insurance. Never mind I've never been in an accident. Never mind that I'm a mature driver who puts safety as a priority. I was met with instant denial, just based on the M1 license. In speaking to these companies I also learned that the $500-600 driver safety course, which should be elective, is actually another requirement to be insured. This completely negates the entire reason for a graduated licensing system. Thus, the paradox. The way the current system works (because of insurance companies) is you go down and write your M1 class license. Then you sit around with a valid M1 license for 60 days, not riding. You then have to sign-up for and take the safety course. Upon completing that course you get your M2 license, and then you can actually get insurance and ride your bike. Even then, that first year you usually end up paying a ridiculous insurance rate because, of course, you have no experience. Why do you have no experience? Because you had to sit around for 60 days waiting for a safety course instead of being out and gaining experience! In my case, I could have 3 months of riding experience under my belt right now, but I don't. As of now, we're entering July. My motorcycle, which I've been paying on since December, is still sitting at the dealership. I can't ride it without a license plate and I can't get a plate because I can't get insurance as an M1 class rider. In all likelihood I won't be able to actually ride this bike until the spring of 2021, EVEN THOUGH I POSSESS A VALID LICENSE TO DO SO! Tell me this system isn't broken... It's funny that most of these insurance companies advertise how much they care about people. As with the rest, I find that to be far from reality. I challenge an insurance company out there to prove me wrong. [link] [comments]  |
| Posted: 30 Jun 2020 01:27 AM PDT I'm in Western Australia, I went to take out car insurance on my personal vehicle today and found my premium has gone up because of a car accident I was involved in and deemed at fault by my ex employer's insurance. Is this standard? The other party's insurance was RAC, which is also the insurance company I'm with personally so I'm guessing that's how RAC found out. Otherwise if I was with a different car insurance company that wasn't RAC would they have any way of finding out about an at work incident when I'm covered by my employer's insurance company? [link] [comments]  |
| Rented Duplex Flooded - Insurance Questions Posted: 30 Jun 2020 04:51 AM PDT Minnesota Sorry. :) Last Tuesday, my duplex flooded because the upstair unit's bathroom had issues. My landlord is awesome and got service guys in the same day to take care of the issue. It was found that walls and carpet had to be taken out. Also, dehumidifiers and fans needed to be run 24 hours for several days. On Sunday, they removed the fans and everything seems to be dry. I am still missing walls and carpet. In the interim, I am living on a relative's couch while my duplex is repaired. I am still paying rent. Insurance info - I have renter's insurance which covers the loss of use. I'm not claiming any personal property damage as it was nominal. The adjuster said to get a signed bill of what my relative is charging me, using 'reasonable' amounts. I used Airbnb and took the averages for renting a 2 bed/2 bath place for a night. This would be $80/night. I'm guessing that my relative is incurring $20/day in food and lodging costs. Insurance questions - (1) Is $100/per day a reasonable amount OR did I take reasonable steps to find reasonable amounts? (2) How long should I claim the loss of use? Until the carpet and walls are replaced? Until the fans were removed and everything was dry? [link] [comments]  |
| Posted: 29 Jun 2020 07:01 PM PDT Since we have been handling moving and new insurance (I've been looking at Allstate or Cal Casualty), my in-laws asked me to scout around for them (in Ohio). I got a bunch of the usual suspect quotes and to be honest, I've never considered Geico or Progressive because the commercials somehow make me both hate them and make them feel questionable as companies.. Long story short, auto and home with Geico and their "homesite" provider (I'm assuming some sort of reinsurance) is quoted as $400/500 less a year. What is the catch? Crappy customer service? No support? [link] [comments]  |
| Being sued for fraudulent chiropractic-related x-rays and injuries Posted: 29 Jun 2020 03:40 PM PDT I am being sued with a demand amount of $35,000 for an injury that did not take place. It was estimated to be $10,000 worth of x-rays and medical bills. 5,000 from x-rays and 5,000 from medical bills. I don't even believe the accident was my fault and the driver could have been speeding but it has now come to this. I have video of both the driver and the person of injury clearly stating that they are both fine and they are not hurt or injured. The video clearly shows that they were both calm and they both had good posture. As soon as the accident happened, the passenger started screaming and blaming me. I do not make false turns especially on purpose. I don't believe i should be paying anything for the accident. The passenger also seemed to be on a mission right after the accident to create case that he could have been injured but as soon as he was asked whether he was injured he said that he was fine; nothing but a couple of bruises that we weren't even able to see and maybe some slight pain in his chest which i wasn't even sure was there. I have triple A insurance. How do I deal with this. I understand that people may not feel injured at the start of an accident and it may arise days after but i really don't agree with the idea that he had the slightest injury. I may even have social media record that he absolutely was not injured after the accident. He had a cast on his broken arm but it was evidently not damaged and he clearly was not in pain. What should I expect. Can he be charged with fraudulent activity? Researching the medical facilities he attended, i found they do not appear very high-class. Should I call the facilities, ask for the same fraudulent records for a mock case related to me, and bring them into the lawsuit? Edit: The insurance company is going to negotiate the demand down to the limit. I have an option now to countersue or keep it down to the limit. Is there any reason for me to not be likely to allow points to be added to my insurance and have my insurance pay them? [link] [comments]  |
| UK building insurance without building regulations Posted: 30 Jun 2020 03:42 AM PDT Hi all, we're currently trying to buy our first home and the survey has informed that some historic building work (an extension and loft conversion) were completed without building regulations approval. The seller is paying for indemnity insurance (they bought the house as-is) and this was done so many years ago that we're not worried about the council seeking to make any demands on the work (and the indemnity insurance should cover if they did). If further inspection confirms the extensions to be structurally sound, then does anyone know if we'd face troubles in insuring the house for day to day normal building and contents insurance? I'd be happy living in it if a structural engineer says it's all fine, but I'm really unclear as to whether I'd face any significant difficulties in getting an insurer to provide a policy. Does anyone else have any relevant experience? From what I gather, houses with questionable historic building work are far from rare in the UK.... [link] [comments]  |
| Posted: 29 Jun 2020 03:25 PM PDT I'm doing research on my company's health care plans and all three options have 100% coinsurance in network. The internet says coinsurance is the percentage of health care costs that you pay after you've met your deductible. So, is it correct to say after I've reached my deductible, I'm going to be paying for 100% of my health care costs? [link] [comments]  |
| Worth hiring personal injury attorney? Posted: 29 Jun 2020 05:10 PM PDT I am a 22m in Ohio and 2 weeks ago I was involved in a crash with another vehicle. The driver that hit me was at fault and ran the stop sign. We were both going around 50mph when we collided. I was life flighted and spent 2 nights in the hospital, my injures were 2 fractured vertebrae's, mild concussion, cuts and bruises. The driver that is at fault doesn't have insurance.. Our uninsured motorist coverage is $100k bodily injury and $25k property damage and I have health insurance. Would it be worth it to hire a personal injury attorney? I've read that they can get the bills to be lowered down and I could get a settlement. Pics of crash if you want to see, I was the driver of the white car: https://imgur.com/gallery/SXgfEPg [link] [comments]  |
| Posted: 30 Jun 2020 12:47 AM PDT I'm 18. I live in Kansas. I recently bought a car. It is in my name. And I am on my own insurance policy. I got the car and the policy less than a week ago. I just got pulled over at 2am going 39 in a 20. The officer said he would recommend to the prosecutor that my ticket be amended. How much could having my ticket amended potentially help me out? My monthly insurance premium is currently $170 a month. How much can I expect my premium to go up? I have Statefarm insurance, and this is my first ticket. I've had my license for a little over a year. Any help is appreciated, thanks. [link] [comments]  |
| Posted: 29 Jun 2020 08:27 PM PDT Recently i got into my first accident, nothing major, dude backed into my car while in a parking lot, i got an email earlier to today reading "We have denied the claim of guy who backed into me arising out of this loss." Can anyone help me understand what this means and give me advice on where to go from here? [link] [comments]  |
| Posted: 29 Jun 2020 05:48 AM PDT In need of advice. My friend and room mate passed away last week at 28. 3 years ago I helped him buy a car by co-signing. Because he had no credit at the time, the car dealership actually put me as the buyer and him as the co-buyer. He has always made his payments on time and this has never been an issue, until now. He has had the same auto insurance (geico) since he purchased the car. Last year sometime he backed into a tree and did some pretty good damage to the rear quarter panel. There as also a large crack in the windshield. I would like to file an insurance claim in order to have the car repaired so that when we sell the car it covers as much of the loan as possible. Is it possible, and what is the process for filing an insurance claim for a deceased person who died without a will? I live in NY [link] [comments]  |
| Posted: 29 Jun 2020 07:18 PM PDT Hey there reddit. So: while working on the road I was gifted a camper in rough shape by a friend. I brought it home and did some work to it and sadly he took his life shortly after. I was never given a tod or anything from him, is there any way I can insure and/or use this camper now? Thanks in advance. [link] [comments]  |
| Cancelling homeowners insurance policy after it was sold, do I get a refund? Posted: 29 Jun 2020 05:29 PM PDT A bit of negligence on my part, but as a first time homeowner, I sold my house and assumed that the homeowners insurance would cancel as well. Since everything was ok autopay, I didn't realize it did not cancel. After contacting my insurance agent, I notified them of the date of the home being sold (2019), and thought I would get a refund, but I received a bill shortly thereafter for a nominal amount for coverage in the month of 2020 when I called to cancel. Can I claim for a refund if I prove the sale of my home in 2019 or am I SOL? Thanks [link] [comments]  |
| Posted: 29 Jun 2020 08:50 PM PDT Hi, I am wondering if a car is stolen and totaled would the insurance still require you to pay your deductible. And if they do is it possible to get the cost of the deductible back? [link] [comments]  |
| Insurance claim on property - Diamond Engagement Ring Posted: 29 Jun 2020 12:55 PM PDT My girlfriend's engagement ring has gone missing. She thinks one of her kids might have taken it, but they aren't talking. She's concerned that her ex-husband may have broken in to her home and stolen it. The only people with access to her home are her two daughters, her sister and her 11yo daughter, and me. My question is, what sort of things should she expect when she files a claim? Info I expect people will want to know:
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| Posted: 29 Jun 2020 01:30 PM PDT Title says it all. In order to save premium costs, we've always maintained separate insurance. Wife on her employer's plan(BCBS). Myself and our kids on my employer's plan(UHC). Her new employer offers a family plan (UHC) that is slightly more expensive than our two existing separate plans, but the deductibles and out-of-pocket maximums are more favorable. Plus, there's an HSA instead of an FSA. Does this count as a qualifying event (wife's loss of coverage and change of job) so I can drop my employer's plan and move to my wife's employer's plan? UPDATE: Location is Florida. [link] [comments]  |
| Does geico insurance lower after first 6 month term for new drivers Posted: 29 Jun 2020 06:58 PM PDT I'm paying 280 a month for Geico. Do their rates lower after the first six month policy term. [link] [comments]  |
| How long for geico to review new insurance application from online Posted: 29 Jun 2020 06:40 PM PDT Does anyone have any personal experience with this in Arizona. Want to know how long before i can gt documents and everything to prove insurance. [link] [comments]  |
| Homeowner Hired Occasional Labor Posted: 29 Jun 2020 02:23 PM PDT We've (residential homeowners - Arizona) got some projects around the house that'd we like some help with - muscle. In no situation is anyone we're hiring doing something on a ladder, with electrical (or any utility), at heights, or any other dangerous situation. I would not hire this type of labor for any type of skilled work and fully accept any responsibility for damages that may occur. They are shoveling, raking, maybe digging some holes for plants. We expect to pay labor around $600 total for all this work, spread out over months of occasional 2-4 hours stints. However, as someone who did this work as a youngster throughout college, I know full well that injuries, especially strained backs and pulled muscles - can impact your ability to work other jobs. I'm more worried about this liability - workers comp, then I am damage. I'm curious how to approach my homeowners insurance about this topic? - what I might specifically say to assure them that I'm doing nothing that could injure the workers or anyone else as result of their work. [link] [comments]  |
| What should my dwelling coverage/insurance to value be for a new home? Posted: 29 Jun 2020 05:11 PM PDT I am under contract on a house (yay!) and need to submit proof of home insurance to the lender. So of course I spent today trying to track down estimates from two insurance agents recommended by my realtor (State Farm, Allstate) as well as getting an insurance broker to find me the best deal from a reputable company that he could. The replacement value for my dwelling was all over the place between these three! It's for a home purchased at 564K, which went almost 40K over listing (but still less than many comps). Loan is 451K. It's in a HCOL area (Boulder County, CO). Here is what each estimated my replacement value to be: (1) Safeco: $231K plus 100% extended dwelling coverage, for a total of $462K. Medium premium (around $1500) (2) Allstate: $310K plus 'building structure reimbursement extended limits' (don't know if that is also at 100% -- it doesn't say on the document and I haven't talked with them yet). The lowest premium (around $1400) (3) State Farm: $422K -- I don't see anything about 'extended', but again, I haven't been able to talk with them yet. The highest premium by far, probably because of the high value of the dwelling (around $2100). (4) EDIT: Meanwhile, Amica allowed me to just input the replacement value (I put in 350K, which seems to be current appreciation over the assessed tax valuation from two years ago). But it seems like they can't just allow me to put in a number, right? Right? I could say I lost a million dollar home! How do I choose? They all seem reputable, though I've heard that Allstate can scrimp on hail, and I live in a very hail-filled location. Will choosing low or choosing high hurt me? The broker who recommended Safeco told me that he could only bring the value up by a few percentage points, since the software had determined what the building cost would be. He is in a different and less expensive part of the state, but I assume automated software determines the cost/sf of rebuilding, etc, right? Obviously I don't want to be under-insured, but I don't want to throw away money, either -- I'm on a tight budget. Thanks! [link] [comments]  |
| Expired health insurance, a broken leg, and some financial fuckery Posted: 29 Jun 2020 04:47 PM PDT Hey y'all, I hope this is the right place to post. I'm from the United States, specifically California My roommate is 26 and his health insurance expired recently since he can no longer qualify under his parents and he was substitute teaching (no benefits). Well a few days ago he broke his leg boogie boarding, he called 911 to help get him off the beach then a friend drove him to a clinic, so initial costs weren't bad. He saw the orthopedic doc today though and was told he'll have to have a 4000 dollar surgery done (it's still up in the air due to swelling, but probably some time in the next week). A month ago when he found out he was uninsured he applied for medi-cal, he is still waiting to hear back but it looks like he most likely made a bit above the threshold to receive any sort of insurance coverage. Right now he is attempting to get any sort of plan that starts on the first of July to try and get the surgery covered. But with the latency periods it is most likely pointless. Can anyone give him any sort of advice on the topic? I don't think he has a way out of this one, but if anyone can save him even a little bit of money it'd go a long way. Thanks for making it to the end! [link] [comments]  |
| Homeowners insurance on a foreclosure purchased from the bank, South Carolina Posted: 29 Jun 2020 04:10 PM PDT Hi all, I'm in need of some guidance. I'm in the process of purchasing a property from a bank in SC. I plan on living in this home. At first glance the home looks in disrepair, it's been unoccupied for almost 2 years. However, I have had multiple contractors and an inspector walk through the home and have been told by all of them that everything that is needed for the property is cosmetic. The roof has been given a leak free seal of approval by the contractor who has been maintaining the home for the bank as well as my own inspector. The plumbing has been pressure tested and passed (the bank doesn't allow me to turn on the water until closing). The foundation is in perfect condition, no stress cracks, no cracks in brick façade. The repairs I will require before moving in
I'm having a problem getting homeowner's insurance. I've only tried the broker that I have always used, but he tells me the companies that he uses all have an underwriter requirement of not being a foreclosed property. They want to sell me a vacancy policy for $6k instead of the homeowner's policy for $2k. This is absurd. I'm going to live in the house. It seems no different than purchasing a home from a normal seller and doing some similar repairs before moving in. Is there anything I can do to avoid this extra expense? Any insurance companies that I should try to call specifically? Thank you in advance! [link] [comments]  |
| Homeowners insurance claim for stolen bike - worth it? Posted: 29 Jun 2020 11:58 AM PDT I had a moderately expensive bike ($1500) stolen from my property, worth filing a claim ($500 deductible)? The tricky part is my bike isn't brand new, or even a single-reciept purchase (like a vintage car, it's had lots of upgrades). I'm also curious about whether a claim this small gets factored into future rake hikes. We've had our insurance (and house) for many years (Travellers if it matters), very few if any claims. Thanks in advance! [link] [comments]  |
| Inexpensive but reputable smaller car insurance companies? Posted: 29 Jun 2020 03:37 PM PDT I'm looking to save money for budgeting reasons. I currently have Travelers insurance for a 2016 Kia Soul and pay about $170 a month for myself for full coverage. People have warned me smaller companies that aren't one of the main companies like Geico, Progressive, Allstate, Farmers, etc aren't to be depended upon, but obviously somewhere there must be a more inexpensive company that is also reputable. Does anyone have any suggestions for reputable but inexpensive companies? I live in FL and must have full coverage because I still owe money on my car. [link] [comments]  |
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