Don't cancel your home or auto policy before getting a new one. Insurance |
- Don't cancel your home or auto policy before getting a new one.
- Car accident with stolen car.
- Why does my insurance company want to know how much I bought my vehicle for with proof and a photo of the bill of sale
- Car insurance rejected $2500 repair supplement?
- Got in an accident, collision coverage was cancelled a year ago
- Homeowners Insurance payout too much
- Help: Policy Has Wrong Mortgagee Address? Or...?
- Moving into a new home; renting out the old. What to look out for insurance-wise when switching property over to long-term rental (or possibly short-term?)
- Health insurance via employer
- NYS Medicaid: Do I need to renew?
- Selling my car to my wife, do I need to change my car insurance?
- Claims adjusters in CA?
- Does it make sense to have a life insurance policy if I am single with no family?
- Need help understand health insurance under parents (CLE, Ohio)
- Someone added their car to my car insurance policy with fake information
- UL Rating & Insurance Eligibility ... ?
- House is about to flood, no flood insurance
- Living in a different state temporarily, what do I do about my insurance?
- Should I take the claim money or pay out of pocket?
- [NOT OP] Florida's Embarrassingly Low BI Minimum Strikes Again
- Accident involving uninsured vehicle
- Insurance company refusing to pay O&P
- Moving from MA to CA: Will that effect my car insurance?
- I don't have insurance coverage at my new job; I work as a contractor and the staffing company has real bad insurance - I'm moving to Tucson, AZ..
- 3rd party insurance or comprehensive ?
| Don't cancel your home or auto policy before getting a new one. Posted: 26 Aug 2020 02:12 PM PDT We (insurance agents) know you're mad because of X, Y, or Z. And we know every twitch reaction in your brain is saying "Cancel my fucking policy right now." 2 things:
Be mad but don't shoot yourself in the foot in the process. Buy the new policy then cancel the old policy. This has been your PSA since I just had a call about this. [link] [comments]  |
| Posted: 27 Aug 2020 03:51 AM PDT NSW AUSTRALIA: A couple of months ago I was driving down the road, extremely rainy weather, I was on my Ls, and a car came from behind me at speed, sketchily overtook me and then rammed into the front corner of my car as he pushed back in front of me, damaging my car. After pulling over and watching him continue to drive off at speed, we watched 2 cop cars going past with sirens on and sort of connected the dots. We went to a police station immediately and reported the incident, and when we gave the license plate of the car that hit us (mum was very quick to read it as he drove off) they immediately recognized it as the license plate of a stolen car which was currently being chased by police. Our own insurance is for third party fire and theft, with the benefit to claim for "accidents with not at fault driver". This accident was obviously not my fault, no one at any point has tried to deny that, but there is a second part to that claim. "Accident with not at fault driver, simply provide the other drivers details".... well... the issue here lies in the fact that despite the fact that we got the number plate, police are yet to catch the ACTUAL CRIMINAL who was driving the stolen car, as such insurance (NRMA) is refusing to pay us anything and has done nothing else to help us apart from paying for us to get a QUOTE for the damage. I just want to know if there's something we're missing here. I can't afford to get my car fixed and I really hate driving around in a car with that huge smash in the front corner. Is there something insurance can do? The owner of the other cars insurance? Police? I'm just feeling very lost in this situation right now and advice would be very much appreciated. I will try to respond to comments or DMs where helpful. [link] [comments]  |
| Posted: 26 Aug 2020 09:07 PM PDT -Date of vehicle purchase
-who did you purchase the vehicle from (name & #) -Advertisement of sale of vehicle (if available) -proof of payment ( copy of the cheque or bank statement showing transfer) -photos of vehicle when it's was purchased( new car photo) These are all questions the insurance company is asking for, they claim it's mandatory. I am with Sonnet in Canada. Canada Ontario [link] [comments]  |
| Car insurance rejected $2500 repair supplement? Posted: 26 Aug 2020 07:37 AM PDT Edit: For those interested, here's the link to a few pictures: https://imgur.com/a/ledg9gR Hi there, I had a tree fall on my car during a sudden storm surge in Ohio in July 2020. I called my small lizard-like car insurance, and an estimate was drawn. The car was towed to the auto body shop of my choice. The auto body shop performed the inspection, and accepted the estimate. After a few weeks of no contact, I called, and was told the auto body is waiting on supplement approval because the insurance missed several items on the initial estimate. Two weeks went, and I called again. The car was fixed. The supplement was partially accepted, but the full supplement was not met by insurance. So the auto body shop resent the supplement. Another week went by, and today, I received a call stating the insurance shorted the auto body shop by about $2,500. I was CC'd an "angry email to the insurance" and was told to either pay the $2,500 or somehow have the insurance accept the $2,500 difference before the end of this week, in 2 days. I can't find much information on supplement rejections. Is this something worth fighting for, or should I pay the difference? Is this a common scenario? Thank you for all of your input. [link] [comments]  |
| Got in an accident, collision coverage was cancelled a year ago Posted: 26 Aug 2020 10:54 PM PDT I just hit someone. I missed a stop sign (late at night, coming over a curve, didn't see it until too late), hit the back of their car with the front of mine. Totally my fault. Both cars have just body damage. They're probably going to need a new back bumper. Me? Front bumper, grill scratched up, glass broken around headlight, license plate fell off. Pretty bad. Anywhere from $1k-$5k, I'm guessing, unless I'm the luckiest guy on earth (I'm not). The other guy doesn't want to go through insurance if we don't have to, we just exchanged info and that was it. He'll call me with an estimate. Here's what I've learned tonight:
So, options:
I'm losing my mind. I've got a family and a home to worry about. I feel like there has to be a deal to be made here. There has to be some way to at least improve my outcome, even a little. Any advice? [link] [comments]  |
| Homeowners Insurance payout too much Posted: 26 Aug 2020 08:09 AM PDT I recently made a claim to repair the roof and siding from a windstorm. The adjuster did not come out due to covid, and went off pictures I submitted to create the estimate. She approved all new siding for several thousand dollars, and I think I can get the job done for several hundred. Do I have to provide receipts proving I used all the money? Or do I get to keep any excess funds issued to me from his estimate? [link] [comments]  |
| Help: Policy Has Wrong Mortgagee Address? Or...? Posted: 26 Aug 2020 09:08 PM PDT Let me preface everything before I get into what my dilemma is. I bought my house in 2016, mortgaged through First Niagara (now KeyBank), and have had the same State Farm home insurance plan paid out of escrow since closing. Last month I decided it was time to open a HELOC, house prices in my area had been picking up and I had some pricier repairs coming up and wanted to avoid putting large balances on high interest cards. KeyBank was the only one I made headway with since I still have my 1st Time Homebuyer lien, so I started to furnish them with my required documents. They asked me to give them my home insurance declarations pages, pay stubs, authorization pages, etc. All was well and moving forward. Three weeks after providing my documents for the loan, I received a letter from the Insurance Department telling me that the policy they have on file for me - the very same one they have had for almost 4 years, only with revised dates of coverage - is deficient because the mortgagee address is incorrect. The mortgagee address they want reads as: KeyBank National Association ISAOA PO Box 1868 Kennesaw, GA 30156 The mortgagee address in my insurance declarations package reads as: KeyBank National Association ISAOA ATTN Insurance Admin PO Box 1868 Kennesaw, GA 30156-8868 After receipt of the first warning, I called them (8/12) and they told me they only had the first page of the 12 pages of my declaration package I furnished to the bank. So, following instructions in the letter, I emailed the full declarations package myself on 8/12. Again, I assumed all was well. I closed on my HELOC on 8/21, no issues. Then out of nowhere I receive a SECOND written warning dated 8/17, again telling me the mortgagee address on my insurance policy is missing or wrong. I have no idea how to fix this! Is the issue the ATTN line??? Is the issue that this 3rd party who handles escrowed home insurance policies is garbage?? There is no manual for dealing with this kind of idiocy. If anyone can shed a little light on WTF I am supposed to do, I would be so grateful! [link] [comments]  |
| Posted: 26 Aug 2020 08:45 PM PDT In Quebec. As the title suggests, we're thinking of renting out the (family) home. Is there anything major to consider; any specific policies that are underrated or overlooked? Any major differences between doing short term (<30 day) rentals vs long term leases? Or (of course) any tips on what would help keep premiums down? [link] [comments]  |
| Posted: 26 Aug 2020 08:14 PM PDT Greetings! I am a new graduate physical therapist. I am married and have two sons (4 years old and 10 months old). My wife is a student and homemaker. Just picked up my first job at a surgeon-owned hospital and need to choose benefits for myself and family. I was just wondering what your opinions are regarding the different types of benefits offered... And what would be the smartest move for us. I'm researching still and have a meeting with HR next week but would like to get different perspectives. health plans [link] [comments]  |
| NYS Medicaid: Do I need to renew? Posted: 26 Aug 2020 07:58 PM PDT Hey guys! I enrolled in Medicaid almost a year ago and I went on the site to renew it but I really have no idea what I'm doing or if I have to actually renew it. Am I just supposed to be updating the current account information? [link] [comments]  |
| Selling my car to my wife, do I need to change my car insurance? Posted: 26 Aug 2020 03:48 PM PDT We're transferring title ownership to her as she will be driving that car as her daily commute. Wondering if we need to change anything in the insurance. Right now, I am the primary insured, and she is added onto the policy. [link] [comments]  |
| Posted: 26 Aug 2020 06:32 PM PDT But seriously... Are there any claims positions in CA? Other than being a field adjuster. [link] [comments]  |
| Does it make sense to have a life insurance policy if I am single with no family? Posted: 26 Aug 2020 02:22 PM PDT My parents got me a policy long ago (1990) and I am being asked to upgrade by Prudential to a variable policy. I don't have a family or kids, I might in the future but not anytime soon (next year or two). Should I just cash out on the policy or should I upgrade to a variable policy where I will pay the same premium but with extra benefits. Would it make more sense to get a life insurance policy when I got married/had kids? [link] [comments]  |
| Need help understand health insurance under parents (CLE, Ohio) Posted: 26 Aug 2020 06:01 PM PDT So I'm 21 years old and under my parents health insurance. They use UHC. I'm not a student anymore for college and apparently insurance didn't cover my dental costs cause of that. Does that mean since I'm not a student they fully threw me off my parents plan? Or did they just stop covering my dental plan? I'm not sure if my parents have to change something or if it'll cost extra, I can use any information on this, thanks! [link] [comments]  |
| Someone added their car to my car insurance policy with fake information Posted: 26 Aug 2020 05:23 PM PDT Apologies if this not the best place to post this. I received a letter notice of billing from my car insurance company, for a car that I do not own. I logged in to my online account to find another car on my policy, one I don't own and no one I know owns. The phone number associated with the policy was that of someone with no ties to the vehicle, I called them and they were very confused and said they didn't own the car in question. After speaking with the person on the other end, I concluded that he had no idea his number was used and that he did not own it. He also lives in a city 4 hours away from the address listed on the policy. The email on the policy is from an encrypted service, protonmail, it uses my name in a cheeky way, and when I emailed it, was immediately blocked or it was deactivated. The policy used my name and my parents information, despite the fact the original policy I have for my own car is not associated with my parents. Has anyone heard of this? I called and had it canceled and all information directed to my contact details, so the person who did it can't interfere. How would they have set all this up without me knowing? What information do I need to be aware of that is compromised? I have a fraud alert on equifax and the like, but what else should I be worried about? Edit: This is in Tennessee, USA [link] [comments]  |
| UL Rating & Insurance Eligibility ... ? Posted: 26 Aug 2020 05:21 PM PDT Wisconsin, USA. Will renters' insurance for something like fire be voided if I plug (for example) a non-UL-rated phone charger into an outlet? What about something a little more constant-duty, like a lamp? Somebody mentioned that they deny claims based on that stuff, and I'm wondering how important it is to be scrutinizing all of the stuff in my home. [link] [comments]  |
| House is about to flood, no flood insurance Posted: 26 Aug 2020 05:15 PM PDT I live in an area that would normally never flood but I fully expect my house to be ruined after Hurricane Laura. I live in Lake Charles, is anyone is following. How screwed am I? This is my first house and I bought it 7 months ago. Am I about to be financially destroyed? [link] [comments]  |
| Living in a different state temporarily, what do I do about my insurance? Posted: 26 Aug 2020 04:29 PM PDT I am originally form NJ but went to school in MD and got a job, planned to for less than a year and then move back home. Because of Covid I am going back and forth between NJ and MD. Still have my lease in MD but I am looking to move back once Covid is over. I had progressive and they wanted proof of garaging which I could not provide them because my name is not on any of my parents bills in NJ, and I have all of my bills in MD. My license and plates are from NJ but my insurance is now with Geico. Geico said they dont really care about about my plates and insurance matching but did want me to change match them after Covid but said they will not penalize. I do not feel comfortable going in to change my drivers license right now, nor do I want to as I am planning to move back home once the pandemic/ my lease is over. Is it illegal that my plates and insurance do not match? If I get pulled over will I get in trouble? I am so confused about how this works. The main reason I switched my insurance from NJ to MD was because the only way I could proof garaging was by providing them with my MD bills. And then Geico was cheaper in MD than Progressive so then I just made the insurances switch. Please advise! [link] [comments]  |
| Should I take the claim money or pay out of pocket? Posted: 26 Aug 2020 04:16 PM PDT This is in Washington state in the US. Had a (minor) plumbing emergency in the house, which ended up costing ~$1,500. When it just started, it seemed like it would be a bigger deal, so I opened a claim with the insurance. They haven't paid it out yet and gave me the option of not writing a check. By their estimate, it should have been a $1,800 fix, so they can write me a check for $1,300 (after the deductible). So it's not a major deal, I've already paid for the repairs out of pocket. But I'm wondering if it makes sense to get the money or not. On the one hand, I understand that will raise my premiums and might make it a bit more difficult to get insured in the future. So if it's going to raise it by $200/year for the next 7 years, I don't mind getting an essentially zero percent loan on it. On the other hand, it's a payout comparable to what I've paid to the insurance in the first place and I think it's fair that when something like that happens, to be able to get that money back. One additional parameter is that I'm actually not going to be owning for a while, so will only need renter's insurance in the near future. So, should I get the money or just eat the losses? [link] [comments]  |
| [NOT OP] Florida's Embarrassingly Low BI Minimum Strikes Again Posted: 26 Aug 2020 05:37 AM PDT |
| Accident involving uninsured vehicle Posted: 26 Aug 2020 04:01 PM PDT Back in April I was driving my husbands truck insured by Geico and while making a left turn, some dude hit our uninsured trailer and damaged the property on the trailer. We didn't get a scratch on the truck and just a minor dent on the trailer. The guy who hit us entire bumper fell off. The guy wasn't cooperating so I called the police to exchange info. There is no proof of who caused the incident according to both adjusters, no witnesses and no police report. Anyway Geico won't file a claim and we received a subrogation letter for $7800 from SubroIQ with Mercury Insurance, how can we avoid paying this? I know we should have had the trailer insured but my husband is stubborn! Please help. [link] [comments]  |
| Insurance company refusing to pay O&P Posted: 26 Aug 2020 03:48 PM PDT We had some water damage in our kitchen due to a leak in our roof (piece of flashing was blown off in a storm, and we didn't realize it). We replaced the roof out of pocket, but now we are trying to repair the damage in the kitchen. A portion of the wall in the corner and a sizable hole in the ceiling had to be cut out for mold remediation. Our house was built in the early 80s and has a "popcorn" ceiling, and the contractor stated he wasn't confident they would be able to get a good match ("restore to previous condition") without repainting the entire kitchen/living room and redoing the ceiling, so they advised us to file a claim for everything. We filed a claim, and gave basically had to go back and forth with the insurance company to increase the amount of the payout. At this point, they are refusing to pay O&P, which is just about all that is remaining. The contractor has been going back and forth with them, citing past court cases and what-not, but they are still saying no: "Per inspection results, the necessary repairs for this loss combined with the complexity do not warrant a general contractor. Since this loss does not warrant a general contractor, the additional overhead and profit requested cannot be allowed on this loss. O&P can be awarded to an Insured that does not hire a contractor based on the complexity of the work. O&P is addressed claim by claim." So the contractor has basically thrown up their hands and asked us to see what we can do to get them to pay, otherwise they can't do the job, and we are stuck with this giant hole in our kitchen that has already been there for a month. I'm not sure what to do at this point. I've read about hiring a public adjuster, so I'm not sure if that's an option. The amount of money really isn't enough to consider hiring an attorney. The only other option would be to take out my "mom" voice on the adjuster and send her photos of the giant hole in the kitchen, possibly with my child eating off the floor where my dining table used to be (my husband has been the only one talking to her up until now). Any suggestions? Thanks! [link] [comments]  |
| Moving from MA to CA: Will that effect my car insurance? Posted: 26 Aug 2020 06:52 AM PDT Hey guys, quick question: I've paid off my car insurance for the year which is from March - March for a rural town which is why it was relatively cheap. I will be moving to CA to a larger city so effectively my insurance should be more. Can they charge me more for change of address or because I paid the year I'm locked in until next March? [link] [comments]  |
| Posted: 26 Aug 2020 03:28 PM PDT Could someone please help me out? I have no health insurance and was hoping to get something in Tucson that covers - Vision Mental health Hopefully an annual body check-up Thanks in advance!! [link] [comments]  |
| 3rd party insurance or comprehensive ? Posted: 26 Aug 2020 03:03 PM PDT Hi, so my country have two types of insurance, first one is 3rd party which only covers the car you made accident with, the other type of insurance is the comprehensive which covers everything obv, so the best quote i got for 3rd party is 150$/year, and the comprehensive are for 400$/year, is it worth the difference? ( deductible charge are 400$ and car price estimate are 25k$ ) Another question, if i made an accident and it was my fault but the car still drivable, can i go to repair shop and let them order my parts and when it arrives i just bring my car so they fix it ? Or must i keep my car in the shop ? Thanks! Edit: my country is Saudi Arabia [link] [comments]  |
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