Car Wreck with Lasting Nerve Pain Insurance |
- Car Wreck with Lasting Nerve Pain
- Insurance if I rarely drive?
- Former Employer forgot to cancel Health Coverage
- I feel a bit lost
- Car accident
- Long Term Care Options (WA)
- Like a good neighbor State Farm supports fraud.
- Car Rear Collision
- Car insurance quoted alone (32M): $855. Adding my car and me to my sister's (38F) policy: $374 ($794 for both of us)
- Car accident and the driver made up a phantom driver story.
- I'm considering a career in insurance (claims), what can I expect?
- Routine blood test claim denied due to no preauthorization
- Parking lot accident. Is this 50/50 fault?
- Insurance Agents: what’s the fastest and most painless way to get your CE’s done?
- Car Insurance - How does actual value and depreciation work for a classic car or a car that has appreciated in value? [TX]
- Can a claim be denied after it was accepted and what could happen in this scenario?
- Is there any good reason to pay for double health insurance? (US)
- Is it too late to submit a claim for injury from a car accident?
- I was in a car accident, and my insurance is giving me the run around.
- So my car was hit after a car accident..and my exhaust pipe fell off
- Deal with insurance company? Lawyer up?
- Roofing/siding repair depreciation -- stuck in the middle
- Got some question regarding price and such
- Certificate holder asking to be named as Additional insured on all past policy terms
| Car Wreck with Lasting Nerve Pain Posted: 28 Apr 2021 01:42 PM PDT Hey Insurance Community, I was in an accident at the end of March with a State Farm customer in Colorado. My vehicle was stopped in traffic and I was rear ended by another driver going 45 mph. My vehicle was totalled ($16k loss), and I have had lasting radiculopathic pain (Nerve pain) in my neck since then. I was seen at the ER the day after the accident and this was noted on my record as well as have been to my Primary Care Doctor where they referred me to PT, and have sought treatment at a chiropractor to hopefully get the nerve pain managed. I have also kept a pain journal since the day of the accident to document anything getting worse/better at the advice of the paramedics at the scene. Now that I've explained the accident and injuries, I wanted to get some advice on heading into the settlement process. In Colorado, the insurance company isn't allowed to settle for pain and suffering until 30 days after the accident which is now quickly approaching. The neck pain hasn't gotten any worse since about a week after the wreck, but it also hasn't gotten any better. I've now dealt with discomfort for 4 weeks (likely to stay longer), and know I should qualify for a decent settlement check but also don't want to deal with a lawyer or legal process. Would appreciate any tips for heading into the settlement process, best way to negotiate, etc. Not trying to "get rich quick" but know the pain I've dealt with for the last month is worth something. Thanks for any help/tips and God Bless! [link] [comments]  | ||||||||||||
| Posted: 29 Apr 2021 04:05 AM PDT I work from home, have most things delivered, and Uber for the rest. I'm going to sell my car, but I may need or want to drive someone else's someday, so I'm wondering what the best way is to make sure that I'm covered legally in the event that occurs. I read about non-owner insurance, but that seems aimed at individuals who rent or car-share frequently and is still $4-500 a year. I'm also unsure if going without insurance counts as a "lapse in coverage", or would otherwise negatively affect my rates if I want to buy a car and insurance in the future. Thanks in advance for your help. [link] [comments]  | ||||||||||||
| Former Employer forgot to cancel Health Coverage Posted: 29 Apr 2021 03:26 AM PDT I switched jobs in February 2019, my former employer didn't cancel my health coverage until August, when it was realized by them that they hadn't done it. So now I am double covered from February to August. My new insurance found out about it and has denied and unprocessed 15 claims from February to August and wants them to go through my old companies plan first. My former employer is trying to correct the date but the old insurance company (Harvard Pilgrim) is denying it. My deductible is met on my new plan and I'm afraid if we can't get the date fixed I will have to pay the deductible on my old insurance as well. Any advice on fixing this? Do I have any rights here? Location is NH [link] [comments]  | ||||||||||||
| Posted: 29 Apr 2021 02:28 AM PDT Hey everyone, back in October my job's contract switched to another company, so I had to re sign up for insurance. I had health, dental, and vision squared away, especially because I knew I'd need dental work done (it's an expensive thing and I've needed to save up before I could afford the tooth replacement, even with insurance). Now 6 months later, I have a cavity flaring up and causing a lot of pain, and I finally have enough for the big procedure, so I set up an appointment and go to get my insurance info, but I don't know if I missed a step submitting my insurance or something, because it says I don't have ANY insurance whatsoever. I thought they've been pulling funds from my paychecks every week for the entirety of 2021 but I guess not. Looking into getting dental insurance on my own, they all require that I have it for 12 months, or have prior dental insurance for 12 months before I can utilize it but now I have a 6 month gap of no coverage. And even if I can find one that can be used immediately, I'm afraid the dentist won't even accept it. In the past, dentists have always brought up the same three or four insurance companies that they accept. I'm just feeling frustrated because I specifically set it aside to have dental after the contract changed. This cavity is hurting more and more as the days go by, and I have no idea what to do. Is there any insurance that can be used immediately and can cover me until re-enrollment comes around later this year? Or does anyone have any suggestions as to what I can do? I'm not sure how much it'll cost to fix a cavity without insurance, but even saving up this 3k for the tooth replacement took so long - I hate the idea of needing to destroy that progress to fix this cavity because of not clicking a final submit button or something. Edit: I'm located in Idaho, US [link] [comments]  | ||||||||||||
| Posted: 28 Apr 2021 08:26 PM PDT I was involved in a car accident with my boyfriend, I was passenger and my best friend was in the backseat. He hit into a tree because of the fog. We did not hit into any other cars. My best friends bill just came in the mail for $2,000. It says we need to put it his insurance information through to pay but his dad is refusing to give us his insurance. What can I do? Also does his insurance cover for the ambulance? Btw he's 17 and we're 18. [link] [comments]  | ||||||||||||
| Posted: 28 Apr 2021 08:29 PM PDT Wife (39) and I (36) are getting LTC insurance. We live in WA, which is starting a new employee-funded payroll tax (0.58%) in 2022. If you have private LTC insurance, you can be exempted from the tax. We have gotten a few quotes, from New York Life, Northwestern, and Bankers. Below is a summary of the quotes. Bankers for some reason seems to be super cheap, but I've read some bad horror stories about them. Considering we are really only getting policies at our age to avoid paying the tax, does anyone have good/bad experiences with these companies? Any other options to consider, such as simple vs. compounded inflation coverage? https://imgur.com/a/VVTJV09 (note: premium lists is combined for both of us) [link] [comments]  | ||||||||||||
| Like a good neighbor State Farm supports fraud. Posted: 28 Apr 2021 11:33 PM PDT Was in a accident right before Christmas, couldn't get in touchwoth my agent after voice mails and txt. They got back with me two week later. So since I couldn't get a hold of them I stopped in at a body shop, they presured me into leaving my first new car 2019 rav4 Adventure. Was told they would restore it to new yadda yadda. After the run around excuses from this body shop, I reached out to my agent, to only be able to talk to their underhand. I asked if someone could check on my car I was getting the run around. I was told theve been paid you just have to reach out to them. Well after another two months I got my car back, in total disrepair, horribly painted, the air bag was not even replaced, tooknit too another body shop, showed them the estimate and they didn't replace anything they said they did. They completely defrauded me and my insurance company STATE FARM. The other body shop said my whole left side of my car needs redone now at the cost of approx $20,000.00. State farm has abandoned me now sayin I need to sue the first body shop thier not paying to have my car fixed or going after these people for fraud. State farm supports fraud which in turn raises your insurance rates. This body shop and state farm has robbed me of my job, my car and has left me owing alot of money on a car that's unsafe, that State farm is still willing to insure. I'm a uber eats driver I enjoy my job. If your a delivery driver and you have state farm, they'll abandon you as well in your time of need. State farm supports insurance fraud. State farm does not care about loyal customers. This multi billion dollar corporation spends hundreds of millions a year on advertising, for a tax deduction, so they can dodge taxes. Thier advertising hardly benefits anyone. Yet when one of thier loyal customers needs help, they tell you, you are on your own. State farm is horrible anyone who has this company should rethink your stance on using them. [link] [comments]  | ||||||||||||
| Posted: 28 Apr 2021 10:47 PM PDT I learnt from my insurance company that the driver who is at fault told his insurance company that there is a third car involved that hit and run, which is false. His car apparently had a dent in the rear that he did not fix. Therefore, I have to pay a deductible. How do I avoid this in the future? [link] [comments]  | ||||||||||||
| Posted: 28 Apr 2021 07:01 AM PDT So I am definitely happy with what we're paying at the moment, but I definitely want to know if it's above-board and I'm just curious if anyone might be able to explain it. This is in Georgia. --Solo-- When I was shopping around, I compared online quotes from USAA (they were insane, so I eliminated them first), Geico, and Progressive.
--Together--
We added me as a driver, they ran my info. We added my car. I'm primary driver to my car, she's primary driver to her car.
They did a manual quote and emailed back an hour later
Here is as much as I've googled and As I understand it:
What I suspect is that there are 2 things probably impacting the difference: Her near perfect credit vs. my shitty credit, and my lack of recent insurance might only affect me if I open a new policy. The difference is crazy. Let me know what you think. [link] [comments]  | ||||||||||||
| Car accident and the driver made up a phantom driver story. Posted: 28 Apr 2021 08:10 AM PDT I was driving on a toll on my way to a job interview and it was stop-and-go traffic, the person behind me rear-ended me. I took pictures and got her DL and insurance info and left the scene to my interview and didn't involve a cop. I called her insurance company and and now the policy holder is sayinig there's a car that hit her from behind (which was not true) and left the scene, their insurance (Geico) is now not covering for the damage she caused my car. Because of this "phantom driver" who hit her to cause her to hit me. Can their insurance deny my claim just by saying there's a "phantom driver" involve in the accident? [link] [comments]  | ||||||||||||
| I'm considering a career in insurance (claims), what can I expect? Posted: 28 Apr 2021 05:13 PM PDT I'm considering a career in insurance. I'm from Ireland. I'm predominantly looking at claims, that's what's on offer around me and I think it's something I'd quite enjoy. I've worked retail for nearly 2 years now (part time), it's just been stocking shelves at a supermarket, but I genuinely enjoy dealing with customers. I'm considering a career in insurance, the apprenticeship itself sounds great, but there's actually not a great deal of information on the job itself. What can I expect from an entry level insurance job? What career progression is there? Is it stressful, is it enjoyable? What do you like/dislike about it? Who would it suit, and more importantly who would it not suit? I just want to hear some insider info on what a career in insurance is actually like. [link] [comments]  | ||||||||||||
| Routine blood test claim denied due to no preauthorization Posted: 28 Apr 2021 07:54 PM PDT A recent routine blood test claim was denied due to no preauthorization I've had blood tests done with the same insurance coverage before and the same doctor, with no problem. Apparently they forgot to pre authorize , or that is a new demand by the insurance co. Even if thats the case, its a large carrier and I doubt Im the only patient that uses it. As the patient , I don't get involved or think about pre authorizations at my primary doctor. I doubt if the doctor is going to try to get me to pay , but it truly sucks if that mistake costs him money. It was his mistake, not mine, so I'd refuse to pay anyhow. I'm sure he gets paid a lot more per year than the few hundred it might cost, but who knows. Any experience here with similar situations? [link] [comments]  | ||||||||||||
| Parking lot accident. Is this 50/50 fault? Posted: 28 Apr 2021 02:01 PM PDT
Seems to me like both drivers had a responsibility to avoid the accident. 1 should have seen 2 backing into the spot and stopped. 2 shouldn't have started backing in to the spot until 1 had completely pulled out and started forward again. [link] [comments]  | ||||||||||||
| Insurance Agents: what’s the fastest and most painless way to get your CE’s done? Posted: 28 Apr 2021 05:12 PM PDT My life and health expires in October. I've put off my CE's because my last job took care of them for me. I now have a new job where I have to do it all on my own but maintain my license. Any tips on the most painless way to get them done? I looked at a bunch of webinars on the state website but it's difficult to know which ones to take. I also cannot do them during my workday. Feeling very overwhelmed. ETA: I am in Arizona. [link] [comments]  | ||||||||||||
| Posted: 28 Apr 2021 04:47 PM PDT Yes, I'm aware of classic car insurance and agreed value policies. I'm just trying to get an understanding of how it would work for a classic card on your standard automobile insurance policy. Ignoring lowballs and general disputes about what the value of a classic car was at the time of the accident, how is depreciation applied? Or is it not applied to a car that has objectively appreciated in value? Is appreciation applied instead? I guess my question is if a classic car is virtually indisputably valued at 50k based on KBB, appraisals, or whatever, will they still try to depreciate it to a couple hundred or thousand dollars because the value was once only a few thousand when brand new? [link] [comments]  | ||||||||||||
| Can a claim be denied after it was accepted and what could happen in this scenario? Posted: 28 Apr 2021 04:29 PM PDT Michigan-I was in a car accident where I wasn't in my right mind and attempted to hurt myself. I was never asked about the accident by my adjuster she just looked at the pictures and was told it was deemed at fault and I would have to pay my deductible, I obliged. My car has been fixed but I was told yesterday that my medical coverage has been denied for it stating in my medical records that it was intentional. Can they deny my auto claim after they fixed my car? Will I have to pay back the 18 grand they spent to fix it? [link] [comments]  | ||||||||||||
| Is there any good reason to pay for double health insurance? (US) Posted: 28 Apr 2021 12:33 PM PDT To give you some background, Me and wife went through financially very tough times and were unemployed for a period that ended about 2 years ago. Meant that we didn't have health insurance. We have no children. We are in our 30s. During those tough times we didn't go to a doc for minor things (fortunately there were no major things either), didn't go through annual physical, didn't do dental etc because no insurance. I lose sleep thinking about those times and don't want to be in that position again. Both our jobs offer health insurance and due to my paranoia I decided it will be a good idea to get both of us insured on both of our job health insurances. I get one with HSA and she gets one with PPO. I researched a little about double insurance. There are stories where some procedures are only partially covered in your primary insurance but then the secondary kicks in and covers the rest. My thinking at this point was, if something major happens I want to be able to get the best care possible. Here is the thing though-What I have learned having these two insurances is that I'm not getting (or seeing) much benefit out of it (granted we haven't had anything major yet to test the limits). The places that take my insurance conveniently do not accept my wife's insurance and vice versa. We can't go to same primary care provider because apparently you have to go to the doctor who takes your primary insurance. I'm actually not sure what I'm gaining by paying for both. So my question is should I stop paying for both and just stick to one? What are the scenarios that this could come in handy? [link] [comments]  | ||||||||||||
| Is it too late to submit a claim for injury from a car accident? Posted: 28 Apr 2021 02:53 PM PDT Hello everyone, Last year in April, over a year now, my boyfriend and I were involved in a car accident. My boyfriend never got a response from the insurance company about submitting a claim for my injuries and now a year later I am still experiencing neck pain from the bad whiplash I got and I am wondering if it's too late to submit anything again. I live in Virginia, USA. Here's a background story of what happened. A drunk driver rear ended us at a stop light and totaled my boyfriend's car. The accident was bad and he hit us really really hard. He was driving a jeep charokee and we were in a honda civic so the trunk of the car was completely gone and it was a total loss. When we were hit, I was in the passenger seat and got extremely bad whiplash. My eyeglasses ended up in the back and I found them under the seats. I remember screaming and being extremely confused and crying but I was able to get out of the car and didn't feel any pain, yet. The next morning I was in the worst pain and couldn't get out of bed unless I literally rolled out of bed. I went to get checked out, they did x rays and I had a really bad neck strain. They gave me a prescription for muscle relaxers and told me to take over the counter pain medicine while applying heat and getting a new pillow. I was out of work and laying in bed for about 4 days before I felt fine enough to be able to get up and move around. I continued to have pain but I would just keep doing the same things I had been since it was the beginning of covid and I couldn't see a physical therapist or chiropractor. I also did not have insurance anyways and would probably not be able to afford my visits so I didn't go after things started opening up. I kept asking my boyfriend to ask the insurance company of what can be done for me and they were just never persistent on that subject and we never really heard back. Some friends were saying I should have gotten a lawyer but I couldn't afford that! Now a year later, I am still having neck pain which I never ever had an issue with before that accident. Can I submit a claim a year later or is it too late for me now? Summary: Got into a car accident over a year ago and never heard anything back from insurance company regarding my bad whiplash and neck pain. Still have pain a year later and I'm wondering if it is too late to submit another claim. [link] [comments]  | ||||||||||||
| I was in a car accident, and my insurance is giving me the run around. Posted: 28 Apr 2021 11:07 AM PDT In February my car was totalled in a lane change accident. I was in a left turn lane, they were on my right, and they made a left turn from the right lane and hit me. They are at fault, and my photos show this clearly. The driver was an employee of the local metro system, in a company vehicle, and he was on the clock. My insurance provider, Progressive, told me the day of the accident not to worry about it, they would contact the company, and get right back to me with updates. I played phone tag with my rep at Progressive for about two weeks, his messages said that he was still waiting to hear back from the driver... Even though I had provided him the number to the transit company's claims department. He then went on leave, and I was assigned a new rep, who told me that they hadn't even submitted a claim to the transit company! My new rep assured me that she would submit the claim right away, and update me. I then had trouble contacting her for a week. When I finally got her on the phone, after talking to a supervisor, she told me that the transit companies website is "so old school" so she was having trouble submitting the claim via their website. A couple hours after that conversation, she called back saying "good news! I was able to submit the claim, and they reached out to me right away!" Seems like maybe she was lying, and that she hadn't even tried before my phonecall to a supervisor.. So SIX WEEKS after the accident, they finally submitted the claim to the transit company, who is now investigating. I talked with the third party claims administrator representing the transit company, who told me that they are still investigating, and said that it can take up to six months to resolve. Is it normal for an investigation to take that long? I also would like to drop Progressive, since they have been incredibly unhelpful and unprofessional. They're not going to subrogate because I only have liability, so I don't want to keep paying them while the transit company investigates. If you're still reading, thank you for your time. And Thanks in advance for any and all advice! Edit: I'm in California. [link] [comments]  | ||||||||||||
| So my car was hit after a car accident..and my exhaust pipe fell off Posted: 28 Apr 2021 02:43 PM PDT Car A bumped hard into Car B, and as a result Car B slammed into my car from the behind. But the thing is, I wasn't driving it. My father was driving my car today. So what'll happen? Will my insurance cost rise in these cases? It's a new car I leased just 3months ago..and the exhaust pipe completely fell out + decent dent in the right back bumper. Idk how much the repair costs, and am worried insurance won't cover everything since 1. I only have the basic insurance 2. The party at fault (Car A) is a 19yr old driver who probably has minimum insurance as well [link] [comments]  | ||||||||||||
| Deal with insurance company? Lawyer up? Posted: 28 Apr 2021 02:40 PM PDT My dad was involved in a minor bus incident recently. He was a passenger on the bus. He was transported to the ER, got a scan and was told there were no discernable injuries. He was told to follow up with his family doctor, which he did yesterday. He has soreness when the area is touched but otherwise is fine. This is the straightforward part. The complicated part...the incident was reported to the transit company. The driver stopped the bus, a supervisor came out, talked to my dad and then called for paramedics. I talk to supervisor on the phone and I get a name to follow up with. Talk to this person, they tell me the transit company's insurance company will reach out to my dad to discuss the incident. Long story short, because my dad is on Medicaid and lives in HUD housing AND because it seems to be a minor incident AND he seems to be fine, I've advised him to not involve lawyers. Just work with the insurance company to ensure any medical bills will be covered and my dad isn't stuck with any costs due to an accident that was not his fault. There was a camera on board. I have no expertise in the matter but from what I have seen on Google, insurance payouts affect Medicaid coverage. Due to the minor incident factor, I have advised my dad that any small payout would not be worth the effort or the loss of Medicaid. He has minor but consistent health problems and Medicaid goes a long way in covering treatment for them. He's poor so if he were to engage a lawyer, it would have to be basically an ambulance chaser on contingency. I doubt they would be willing to take on a case just to ensure the medical bills are paid. But I am concerned that by advising my father not to engage a lawyer and to just work with the insurance company, I may be feeding him to the lions. Already, my dad is stressed because he has called multiple times and the insurance company hasn't returned his calls. Though I have to remind my dad it's only been a day. Still...should my dad lawyer up? I feel like we're doing the right thing, but I don't want him to get screwed either. PS: the flair may not be accurate, didn't find one that fit this post perfectly... [link] [comments]  | ||||||||||||
| Roofing/siding repair depreciation -- stuck in the middle Posted: 28 Apr 2021 08:36 AM PDT Hi, all. New to the sub, hoping to get some advice. So two years ago this spring we had a huge hailstorm come through that damaged our siding and roof. We have had some major issues with the contractor we hired to do the work, which is tangentially related and background to this particular issue. (Long story short, we wouldn't choose this particular company again if we had to do it over for a variety of reasons) The insurance company approved the job, but held back a portion of the payout for depreciation payable when the work is completed. The issue is that all work was apparently supposed to be done within one year of the insurance filing. It seems we got forgotten by the contractor because the company didn't come out to replace our siding until this past winter, way past the one year requirement. We weren't aware of this one-year deadline and did not contact the contractor until much later, saying "hey, weren't you supposed to do our siding?" The insurance company is now saying that they will not release the depreciation since the work was not done on time, and meanwhile the contractors are sending us bills saying we are liable for the amount that's owed. The insurance company has started making noises saying that it's the homeowner's responsibility to make sure the work is done within that time frame, but that was not made clear or if it was it was buried in very fine print (and would be a phenomenally shitty thing to do). We've spoken with friends who have insisted that EVERY contractor worth their salt and that does post-storm insurance work knows that they have this one year timeline, and that they should eat the cost because the work didn't get done. But in the meantime we're stuck in the middle between the insurance company and the contractor and are getting bills for $10,000. Are we stuck holding the bag here? Should we get legal representation in the matter? What's our recourse? [link] [comments]  | ||||||||||||
| Got some question regarding price and such Posted: 28 Apr 2021 02:24 PM PDT Hello folks I was wondering does car insurance price goes up if you own the vehicle oppose to finance it?? I have enough money this year to pay off my car but was concern if the price of my insurance would up And if you don't mind me asking, how much do you guys pay for your insurance and how much does it cover for you? Thanks for the info [link] [comments]  | ||||||||||||
| Certificate holder asking to be named as Additional insured on all past policy terms Posted: 28 Apr 2021 02:21 PM PDT Hello, I'm having a debate in my office.. our insured's client has come asking for a certificate of insurance on an expired 2019-2020 GL policy term and wants to be named as additionally insured on this expired policy term. We've only issued a certificate to them this year for the current 2020-2021 term. GL is claims made and General Aggregate applies per policy basis.. we're in the state of CA Thoughts? [link] [comments]  |
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