Car Insurers Cancelled Policy Mistakenly Insurance |
- Car Insurers Cancelled Policy Mistakenly
- Insurance says doctor is in-network, but doctor says insurance isn't accepted
- what alternative dental insurance should i look for
- [California] can someone explain to me how gap coverage works... the wording in the contract is a bit complicated for me.
- Help interpreting insurance plan: Does this mean therapy is covered? Screenshot of plan description included (Kaiser).
- Bumper to Bumper collision ��
- Insurance wants to use used parts for my car, parts I replaced a week ago, what can I do?
- Rear-ended somebody earlier today and I guess just have a few general questions for "all things insurance"
- what are the risks of driving my car which is insured by my mother's insurance policy?
- Incorrect information given from Cigna agent, is there any accountability?
- Did I just get scammed or am I an idiot?
- Timeline after deposition/EUO?
- Struggling to understand my high home owners premium.
- Getting car insurance under my dad's name
- Need advice and tips on getting insurance for expensive things in a storage unit
- USAA driver backed into my car and admitted he was at fault. Now What??
- BCBS Texas in GA?
- Does anyone lie about their Driving Experience?
- Anyone understand Medi-cal income limits in CA? Also job only last 7 months?
- Advice on how to get personal injury insurance adjuster to stop stonewalling and refusing to answer my questions of what proof he would like to settle my claim?
- appeals: is it possible to give too much information?
- Company car totaled my car
- Someone backed into my car and then drove away
- Surprised my insurance found me liable!
- Budget rental accident and mastercard cc claim
| Car Insurers Cancelled Policy Mistakenly Posted: 09 Jan 2021 02:01 AM PST Hi, My insurers were unable to take a payment from my bank as the card had expired, when I realised I called up made the payment and made an additional payment for a missed payment fee. The agent who I spoke to didn't inform the relevant department and my policy was therefore cancelled. I had no knowledge of this until 4 weeks later when I noticed a payment had reached my bank and I phoned them to find out what this was for. They then explained what had happened and apologised for it. Luckily nothing happened in that 4 weeks where the insurance was required but obviously had it had been I dread to think of the outcome. I want to know where I stand with all this? Apologies if the wrong forum. Thanks. [link] [comments]  |
| Insurance says doctor is in-network, but doctor says insurance isn't accepted Posted: 08 Jan 2021 03:48 PM PST This issue has arisen a few times and we don't know what's going on. We live in (the US) State1 but have insurance BlueCross BlueShield of State2. When we went to a new doctor, we called BCBS to check if the doctor is in-network, and they said yes. However, when we checked with the doctor, they said they don't accept the out-of-state insurance. Their claims don't go through. Super confused about what's going on - is there a different claims process for out-of-state insurances? Is there a difference between BCBS of State1 vs of State2? Thanks in advance! [link] [comments]  |
| what alternative dental insurance should i look for Posted: 08 Jan 2021 10:22 PM PST based on the image uploaded, what plan could have covered most of the costs for those listed in the image? would a supplemental dental plan have a assisted with the costs? I'm in Oklahoma. [link] [comments]  |
| Posted: 08 Jan 2021 11:47 PM PST Without going into too much detail, I had an accident one night on the freeway when it was raining. My insurance declared it a total loss. They gave me a number already for a settlement on the valuation of the car but I haven't signed anything at all just yet. I went today to collect and gather my personal belongings from the car and that included clearing the glove box of any papers with personal information. \ \ \ After getting home and going through all the papers I had in the glove box I found out and realized that I had opted in for gap coverage when I purchased the car. Completely forgot I even ever got it. I know that's a good thing i guess but after reading through the contract in the coverage I'm a bit confused as to how it works or what it's supposed to cover. \ \ \ There's certain lines in the contract that makes it seem or feel like the gap coverage won't cover my car due to being declared a total loss so Im puzzled as to what the point of opting in to get it is. Or it could just be Im reading it wrong. [link] [comments]  |
| Posted: 08 Jan 2021 10:47 PM PST Hi, I am trying to figure out if this plan covers therapy. I will likely call if no one here has an answer, but didn't want to wait until Monday. Does anyone know how this works? Here is a screenshot of my plan: https://i.ibb.co/br9Pr7L/Screenshot-2021-01-08-at-10-40-39-PM.png [link] [comments]  |
| Posted: 09 Jan 2021 02:20 AM PST Hi everyone! Texas Driver here! (Bexar County) Yesterday evening while at my apartment complex, I was backing out of my parking space to leave for work... upon doing so, another individual had also backed out at the same time I did and we ended up backing into each other. My car is fine (and both of us were okay) ... however the other drivers vehicle has a nasty little fender bender on the rear right side bumper. There are a few things to consider here:
-I also have dash cam footage recording the incident (time, date, 1080p at 60 FPS front, back, inside and night vision footage) That being said I did everything one should do in any motor vehicle collision. I called the police, filed a claim and exchanged information. However, the other driver was pretty insistent that I pay for damages to his vehicle and I don't feel this is entirely right of him to say given the circumstances. Any tips as to what I should do? Aren't we both at fault? Lastly, would it be a good idea to speak to the leasing office ( or corporate) given they were an employee on the clock? Thank you everyone! [link] [comments]  |
| Insurance wants to use used parts for my car, parts I replaced a week ago, what can I do? Posted: 08 Jan 2021 05:50 AM PST I was involved in a hit and run and it sheered my passenger side and tore out the whole front suspension. Car wasn't totaled and the estimate said they were going to pull the suspension from another car. Thing is, I had the whole suspension replaced a week prior to this accident, brand new OEM parts. I have invoices of the parts with the date last week of purchasing them , unfortunately I am a mechanic on the side and didn't not have them installled at a dealer or shop. I installed it myself Out of all the suspension parts, all I really care about is the strut. It's a sports car so I don't really want to mix a brand new strut on one side and a used one with who knows how many miles on the riggt side. Is this something I could talk to the collision center about? Or should I go to the insurance? Should I also fight for all new oem parts? Insurer is State Farm Texas USA [link] [comments]  |
| Posted: 08 Jan 2021 09:53 PM PST So it begins with me leaving for work today, not even 10 minutes away from my house. Lady in front of me stops in the middle of a busy road (35 mph) at an intersection. I didn't know what to think but either way I slam on the breaks a second to late and try and veer right as to avoid hitting her. The car I'm driving is my brothers poorly kept 1999 323i bmw convertible manual, White with black top. Not in best of shape, ( also a manual which is also kind of evidence of itself in a way that I wasn't texting and driving) and the e-break doesn't work (perfect luck). It just rained/ snowed and the ground was nice and slippery wet. I hit her right rear bumper and cracked it, damage is a crack the size of a baseball. My car, however is pretty much destroyed on the front left nose. headlight destroyed. turn signa. structural damage. hood raised about 2 inches next to the windshield/ drivers side. And the hood is stuck so I can't open it... Anyway, a pedestrian sees the whole thing, makes sure other driver is ok, then proceeds to call the cops and inform us both that she already called. I have a Driver Information Exchange, and there is a claim number ( or agency RPT NO.) and a report ID other minor details. I luckily had a crowbar so I was able to wedge the scrunched up metal and plastic away from the driver side wheel and drive away seemingly ok. also we both had state farm. not sure if that's good or bad or neutral. Nobody was impaired while driving it seemed. and we both drove away about 40 minutes after the incident. Location bot wants me to inform everyone that this happened in IL, cook county. Most importantly Me and the driver were ok. They were a little shaken up, but I mean who wouldn't be? Ok so my questions are as follows.
Any help would be greatly appreciated. thanks in advance. [link] [comments]  |
| what are the risks of driving my car which is insured by my mother's insurance policy? Posted: 08 Jan 2021 09:48 PM PST As title implies, i'm aware that it's fraud to be driving a car that i own which is insured solely under my mother's name. However my current insurer is ending my policy and getting insurance under my own name would cost around 1k a month (young age, and have an accident under my record which seemingly makes me a high risk). Is it risky to drive around for 6 months while the vehicle is under my mom's insurance policy? I anticipate that my rate will be cheaper by then due to having been 3 years since my last accident. By the way I live in New York. [link] [comments]  |
| Incorrect information given from Cigna agent, is there any accountability? Posted: 08 Jan 2021 09:28 PM PST Sorry for the long post, but felt all the details were necessary to get the best possible feedback from this community. Thank you in advance to anyone that has any suggestions/advise for me. I live in the US/Texas. I spoke to a Cigna representative at the end of 2020 to ask questions as to whether a name brand medication would still be covered in 2021, as it has been for the many years I've been on it. The generic equivilant medication became available at the end of last year, before I placed that call to Cigna -- which is why I called to check. I was informed that my health plan and my prescription list were not changing from 2020 to 2021. I stressed to the agent that this medicine being covered will determine which plan I opt to go for in 2021 (high deductible vs low deductible). Now that its 2021, and I try to process my medication as usual, it's denied. I have spent hours on the phone with Cigna, and they're insisting nothing that can be done. I filed a complaint with Cigna to have the call reviewed. They're telling me it will take approximately 30 days for the call to be reviewed and me to get a response. The agent who I filed the complaint with still insisted that even though she gave me the incorrect information, it won't change the financial situation this wrong information has put me in. Based off of the information I was provided from the initial agent, I choose the plan that was cheapest for me overall (the high deductible plan). Now due her giving me the wrong information, it will cost me an additional $2000 this year to meet my deductible, as the generic is now being covered at no cost (even though my other generic prescriptions aren't), so nothing is going towards my deductible. I kept a low deductible plan for 2 years, and paid extra for it, until I realized that the copay assist card for the medication met my deductible for the year in January. Since I was paying extra for my premium coverage, it only made since for me to plan my future around the high deductible plan going forward -- so long as a "copay accumulator policy" was not being enforced on any new policies (which I also call to inquire about each year, just to be safe). Since she told me the medication would still be covered, I went with the high deductible plan, as its half the price of the low deductible plan offered to me. Even after switching to the high deductible plan, my deductible would still be met in January, due to the copay card covering the whole deductible (my prescription costs go towards my deductible). When I found out the insurance wasn't covering the name brand anymore, I asked where I could find that documentation for myself. The Cigna agent confidently pointed me to a document labeled "2021 Prescription Drug Changes". The medication I am on, is not listed in that document under my tier -- leading any reasonable person (at least in my opinion) to believe that it would still be covered. The medication was listed as being changed under other tiers on that form, but not my tier. I'm guessing this is where the initial agent was looking to advise me, but that's just speculation. The agent was stumped and kept looking. She then pointed me to another page under their website where you search a drug, and on that page, it did say the drug was not covered. So after explaining all that.. my questions are basically: Is there any recourse here to hold them accountable to the information they provided me? I'm not confident that the complaints via Cigna will help my situation much, considering all the trouble I've had with them outside of this issue over the last 4 years. The agent who took my complaint stated I could not change my plan now, since its not Open Enrollment, and they wouldn't cover the name brand. Is this even legal? Is this something that I should complain to an official insurance board/agency about? Do I have any rights to be able to obtain that phone call for myself? I used to record all phone calls, until Google locked it down on Android, so I dont have the proof myself. Just the agents name and date of the call (which they say they are going to review). I dont mind paying my deductible, obviously, and doing the research to make sure I'm getting the best coverage at the best price for my health. I know I was in a fortune position to have my deductible covered by the copay card with these policies, as my previous policies (4+ yrs ago), prescription costs didn't go towards my deductible - so it wasn't something I was used to. Thanks again for any help/suggestions, or even just for reading this far 😆 EDIT: Added state [link] [comments]  |
| Did I just get scammed or am I an idiot? Posted: 08 Jan 2021 03:19 PM PST So about 3 weeks ago now my car got hit from the side and it destroyed my wheel well. My control arm, strut, and tie rod ends were all bent and I had to take it to a mechanic I knew cause they'd give me a discount. I went with them instead of the one their insurance wanted me to go to since it'd be more expensive and take longer, as they would have towed my car, brought it to their shop, worked on the cosmetic damages (which I didn't want to get fixed sonce I have no money due to my car being undrivable), then towed it again to their mechanic. I owe 20% of damages. The estimated cost is $2,000 yet the insurance company of the mostly-at-fault driver quoted me multiple times for only $800, the cost of the cosmetic damages. I had talked to them earlier today and they told me my only options was to take it to my insurance (who wouldn't cover me cause reason I'm not getting into), or to take the $600. So basically instead of paying for 80% damages like they told me they would they wanna just pay $600 of a $2,000 bill. I reluctantly took it (bad move, I know), because I cannot afford to miss any more work and $600 is better than nothing. Is there anything I can do about this or is it too late? Also I had to get 2 remtals in between all this time and they're telling me they're looking into it?? As in there's a possibility they won't reimburse me, despite the accident being (mostly) the other drivers fault and had they not hit me and messed up all of those parts I wouldn't have needed a rental. Is my only option suing them? I don't have the money for that either. I am NOT asking for legal advice. I just want to know if I fucked up here and am out $1200 because of how Allstate handled my claim. Thanks for reading. [link] [comments]  |
| Timeline after deposition/EUO? Posted: 08 Jan 2021 08:36 PM PST I was hit by another driver last year. Before filling a claim my attorney wanted me to submit to EUO with other driver's insurance company. That was 4 months ago. Haven't heard anything and my attorney never said anything about the demand letter he was going to send. What is a normal response time with geico following an EUO? [link] [comments]  |
| Struggling to understand my high home owners premium. Posted: 08 Jan 2021 08:31 PM PST Edit: North Eastern Alabama. USA. Me. 28M, Married. 2 kids at home. House: 1985 ranch style with walk out half basement. Other half dirt crawl space. 1800ish SQ FT living space. 2 car garage upstairs. 1 garage bay in walk out basement. 1 Fireplace, wood burning insert. Electric HVAC for heat and cool. Basement 60% finished. (Meaning its 100% finished minus a bathroom.) Exterior: 85% vinyl siding, 15% clay brick. I get quotes for $3-5k a year, every year. My current policy holder is holding firm at $2000/year when bundled with my auto policy. $220/month 2018 Nissan Leaf ElectricSV 2020 Toyota Highlander LE 1994 Chevrolet K1500- Silverado. I really want my home owners down to about $1,200/year where it was when I first bought the home. No claims, ever, for homeowners and less than $1,000 in auto claims ever. The price for homeowners when up when I swaped from AAA. They had bundled me for 1200/year, then went to 1500 and increased my auto by $80/month. They ended up going upto $5,000/year for my home policy almost causing us to loose the house when I dropped my auto policy and went to Geico. Help? [link] [comments]  |
| Getting car insurance under my dad's name Posted: 08 Jan 2021 08:20 PM PST Hey all, I'm going to be getting a new car soon, however, I'm wondering how I would be able to go under my dad's policy. My family lives in New Jersey but I go to school in Florida and I'll be having the car with me. I was wondering how my dad would be able to purchase an insurance policy under these circumstances. Thank you! [link] [comments]  |
| Need advice and tips on getting insurance for expensive things in a storage unit Posted: 08 Jan 2021 02:10 PM PST Hi everyone. Looking for any advice or tips on getting insurance for a storage unit. I have an accumulative value of between 30k-50k of things and want to do my best to make sure I have it insured correctly. Update: I live in Portland, Oregon. They're all personal items I don't plan to sell. I'm in transition moving into a small space until I can find a house to move into [link] [comments]  |
| USAA driver backed into my car and admitted he was at fault. Now What?? Posted: 08 Jan 2021 02:05 PM PST USAA driver backed into my car and claimed he was at fault. They called me this morning to take my car into a repair shop that they wanted. I would like to shop around but dont know the best way to go about this. I only went through his insurance and they know nothing about my car other than he hit my front bumper. I also own the car so dont know if that changes things. Should I just shop around for quotes? Also is there a way to get a quote and have them write a check to me and not a repair shop. Thank you for any help. This also happened in NC. [link] [comments]  |
| Posted: 08 Jan 2021 05:32 PM PST Hi everyone, I'm a Georgia resident and I recently started a new job that offers Blue Cross Blue Shield TX. Is it still eligible in Georgia? Just seems weird since there's a GA branch of BCBS. I'm also in my early 20s so I don't understand Health Insurance that well in the first place anyway so any advice would help. [link] [comments]  |
| Does anyone lie about their Driving Experience? Posted: 08 Jan 2021 04:30 PM PST I've noticed significantly cheaper rates saying that I started driving with I was 16, however, I got my license 4 months ago. I am currently 21. Will they check with the DMV how long you have had your license for? All they asked was my Driver's license number and not the picture so they can not see the date issued. I noticed that a lot of my friends and people doing that and get away with it. [link] [comments]  |
| Anyone understand Medi-cal income limits in CA? Also job only last 7 months? Posted: 08 Jan 2021 04:11 PM PST Hello! I read that Medi-cal income limits for California is 17,609$ If you divide this by 12 months and you get 1467$/month. Does Medi-cal look at your monthly income or annual income in order to determine eligibility? The reason is I recently got a job that will last from Jan 11 till July 30 (7 months - I plan to quit to start my school program in August). My projected gross monthly income is 2100$ which is clearly over the monthly amount of (1467$). However, I will fall under the annual income limit of 17609$ since I will be in school and thus not working the remaining months. If you take the 7 months of working times the 2100$ you will end up with 14,700$. I called the eligibility worker and was hung up on the first time and recalled and had someone basically say just report your income and see what happens on a month to month basis. I really don't want to leave things to chance and understand the situation as best as I can. Thanks [link] [comments]  |
| Posted: 08 Jan 2021 07:20 PM PST I had an injury at a store that caused an injury. The store took 100 percent responsibility and their insurance has offered me a very low settlement which I have refused. I am done with medical treatments as the injury is now chronic and not acute anymore. Even though I am still in pain and have been told I will continue to have pain for a long time, I have been told the only medical treatments for it I am unable to do due to a pre existing condition. I have explained to the adjuster that I expect a settlement to cover future pain, but he said that without proof of future medical treatment, he cannot. I have asked what proof he needs of this considering I am medically unable to get further treatment, but he refuses to answer. I have asked if a current medical note from the treating doctor confirming this will suffice, he won't answer. Additionally, due to the injury, I was unable to attend a job interview out of state that had been lined up for before the injury. I had been trying to get this job for years, the company was paying for me to fly in and the hotel and car, and if I had gotten the job I'd be making 6x what I make now. They were unable to reschedule and wouldn't do it via video because it had been planned for months with company stakeholders flying in from all over the country for the interviews. It was the final interview and between me and one other person. I have asked the adjuster to include this loss in the settlement amount, but he says he has no proof so he can't. I have asked what proof he needs, such as emails between me and the hiring manager and ceo proving this, but he won't answer. He just keeps trying to get me to take the low ball offer. I don't want to hire an attorney. I want to settle this with the adjuster but if he refuses to even answer of what proof will be sufficient and if he will even consider it in the settlement amount, I have no choice. Is there a way to get through to this agent? Should I contact his supervisor or a higher manager or ceo? Thanks I am in Florida. [link] [comments]  |
| appeals: is it possible to give too much information? Posted: 08 Jan 2021 03:24 PM PST When writing a health insurance appeal is it possible to give too much information or are there things that you can put in your letter that could offend the insurer/hurt your chances? For example, I've identified various company policies they are not following with my denial.... so in addition to providing the references/resources that show why I believe their denial is wrong I'm tempted to quote their own manual, highlighting where their compliance failed. Could something like this just irritate them, even if it is true? or could it potentially be helpful? This is my first appeal for this denial as well... so would it be better to hold off on quoting their policy or do I need to get it all out there right now? I'm not sure quite how to proceed as my gut and frustrated self wants to outline all of their missteps and call on them to take action, do better and practice what they preach.... but there is also a smaller, but resistant feeling that that may be "too much" and that I should proceed with more caution. Thoughts? Does this even make sense? In a different appeal I had success calling the CEO out over a statement he made in a letter to members and that resulted in him connecting me to an appeals specialist (all of their direct contact info) and getting the decision reversed quickly. This time however it feels different.... not wrong, necessarily, but perhaps riskier? WI [link] [comments]  |
| Posted: 08 Jan 2021 03:04 PM PST Hello! So today my bf was leaving a street right by our house when a work van suddenly pulled out and stopped in the middle of two way traffic leaving my bf barely enough time to not have a full head on collision. With that being said, one whole front side of car is gone due to it smashing into the work van, air bags deployed and everything. Car is looking like a total loss. Driver of the work van is totally at fault as their was a witness as well, cop wrote them a ticket as well. I'm wondering what are the next steps? An attorney has already been contacted but I am wondering what is going to happen to my car? I still owe money on it, will the companies insurance pay it out since the car is not salvageable? Please help I am ill-informed on the matter. Houston, Texas [link] [comments]  |
| Someone backed into my car and then drove away Posted: 08 Jan 2021 02:49 PM PST I'm located in the US state is Georgia. Like the title says, someone backed into my car and drove away. The damage is cosmetic but it car definitely needs to be repaired before it can be driven again. I was going to just make a claim through my insurance but this is a rare and expensive car. Will filing an insurance claim make a bad mark on my title? Should I report this to the police? If I find the responsible party, what recourse do I have against them? Thank you. [link] [comments]  |
| Surprised my insurance found me liable! Posted: 08 Jan 2021 02:43 PM PST FYI i am in Quebec city, Canada. A few months ago my neighbors claimed water from my condo caused damage to their units. Handyman and HOA president at first determined it was normal wear, then insisted it came from my dishwasher. They dismounted it and noticed water leaking while it was running. We immediately discarded the appliance (it was 24 y old and ugly) and i bought myself a newer one. Fast forward, I called my broker who told me that each unit is responsible for their own insurance, and should claim it themselves. Worst case, their insurance will subrogate to my insurer. I had nothing to claim since I have no damages. I informed my neighbors but they ignored me and I received an invoice of damages from the HOA. I didnt know what to do, so i forwarded the invoices to my insurance company. They explained that they will open a file, but this is unlikely a case of negligence as I did my due diligence by replacing the unit when I thought it might have caused this, and running a 24 y old appliance per se isn't negligence. They unlikely wouldn't pay out and I was fine with that because i wanted an official document demonstrating that I'm not responsible - that way the neighbors could claim it on their own insurance companies. I submitted the repairs invoices and a brief statement from the HOA explaining that following the incident where my dishwasher caused damages, they are sending me the repair bills. That's it, no further evidence included. Today my adjustor tells me he is sending out a cheque to the HOA. He said he had to consider me liable because they have to hold someone accountable and since the appliance is no longer under warranty, they couldnt blame the manufacturer. I'm utterly shocked. Absolutely no evidence of my responsibility or negligence was submitted, just repair invoices and an explanation letter. I dont understand how the adjustor could establish causality between my appliance and long-term wear to neighbors walls. No pictures, no expert opinion, no estimator. Should i be happy that my insurer agreed to pay out? Now my premium will increase. [link] [comments]  |
| Budget rental accident and mastercard cc claim Posted: 08 Jan 2021 05:49 AM PST Hi all, I had an accident with my Budget rental back in August. Budget rental determined that the car was salvage although they just charged me for the repairs on the vehicle. The damage done was minor, just the front left bumper was damaged and had to be replaced. That being said, I was being charged: $ 9510 for damages, $800 for loss of use, $200 administrative fee, towing and $951 for diminished value. Mastercard (I have a mastercard credit card that did have rental cdw) took care of the cost of damages and the towing charges but unfortunately didn't do anything about the rest of the charges. I don't own a car so my cc became my primary insurance. That being said, mastercard did not cover any of the other charges i.e. Loss of use, diminished value and administrative fee. Totally, these add up to around 1900 usd. Typically, mastercard would cover up to $500 in loss of use charges but Budget rental refused to provide them with supporting documents for the charges. I was looking for some suggestions on how to reduce this amount I owe budget. I feel that at the very least, budget should've provided some documentation so that mastercard would cover Atleast 500$ in loss of use charges. I was also wondering if loss of use or diminished value is even valid given that budget took the decision to auction the car rather than have it repaired. Any help would be appreciated, Thanks! Edit: The location of the accident was NY state [link] [comments]  |
| You are subscribed to email updates from All Things Insurance. To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States | |
No comments:
Post a Comment