Is there a policy to insure tools if you are a mechanic? Insurance |
- Is there a policy to insure tools if you are a mechanic?
- Auto insurance predicament
- Advice Needed regarding Personal Property Insurance Claim
- Mazda3 2018 Rear-ended! End of our ride together?!
- Freaking tf out
- Car insurance question.
- Is this insurance fraud?
- What type or combo of insurance to cover loss of income and medical expense scenario?
- Medicare Secondary Payer Recovery Process?
- Should I file a claim? No fault water damage in apt.
- Does insurance typically cover broken nose surgery?
- I’m not sure if I’m in the right place… issues with Delta Dental or is it my provider?
- Multiple parked vehicles hit by uninsured driver
- Car insurance
- M&A Insurance Roles? Broker vs Underwriting?
- How does genetics testing affect coverage.
- US Health Advisors and mistreating advisors and dishonest company including gay bashing by senior management that would be titled Divison Head
- Rant: I Coin the Term "Studied Incompetence" to Describe the way Customer Service Representatives of my Health Care Insurer Handle Calls.
- First auto/ renters insurance advice and help.
- Somebody hit my car...now what?
- Is this a fishy letter?
- Avoiding premium increase on auto insurance
- Anybody know a DME provider who is in network with Aetna that provides CPAP pillows
- Out of state surgery-accident
- According to my state’s law, every licensed driver in my home must be listed on my dad’s auto insurance. If I decide to get my own insurance but still live with my dad, am I still gonna be on his policy?
| Is there a policy to insure tools if you are a mechanic? Posted: 07 Jul 2021 02:46 PM PDT My husband is a tech. In his 20 year career he's acquired about $60k in tools and his tool boxes. He is a reformed SnapOn junkie. There was a fire and then a burst pipe at his workplace. The damage to the workplace was pretty severe, but luckily the bay with his tools was spared. We found out that the owners insurance doesn't cover the tech's tools because they are owned by the tech. Is there some sort of policy we should be looking for? Some thoughts: -it would be nice if it covered theft as well as damage. -my husband is fanatical about caring for his tools so all except consumable SnapOn purchases are in good working order. -toolboxes alone are about $20k, but they have plastic components that could be melted by fire and render them useless. I'm sure I'll have follow up questions and I'll be around to ask/answer. Thank you, jsat. Edit:sorry bot, I'm in Wisconsin. [link] [comments]  |
| Posted: 08 Jul 2021 01:13 AM PDT I got in a wreck Tuesday 7/6/21. I went through a green light and got hit pretty hard on my rear passenger door by a guy turning right on red. No injuries to the other guy or myself, luckily. I called the cops and he gave the responding officer a random insurance card. Turns out he was driving his sons car (who he also lives with). He claims he has insurance and its legit but obviously I have my doubts. He was cited for the accident and I'm waiting to hear from his son or his insurance company. I have his son's phone number and their adress if need be. On my end now, I pull up my allstate app and it says that my policy lapsed on 6/9/21.......I had no idea. Thinking it was an autopay error I chaulked it up to that. I called my agent the next day and he said, "its not an autopay issue its a DUI issue". I was charged with, physical control of a motor vehicle on, 6/21/20. The case was settled and i paid all dues on 12/21/20. My agent says he notified me in April that i was being terminated by corporate...but I can't find a shred of evidence that supports that. ALSO, physical control in Ohio, is a non-moving, no point violation. I'm not sure if that matters but its definitely not a DUI/OVI there's a clear difference. I'm going to call this morning to customer service to try a backdate and back pay deal. But my main question is: is it possible that I'll be charged with a "driving without insurance" charge? Do I have a leg to stand on with pleading my case to allstate? Do I need to stress about it since it wasn't my fault?...I just want everything to be kosher on my end before I figure out his situation. [link] [comments]  |
| Advice Needed regarding Personal Property Insurance Claim Posted: 08 Jul 2021 04:52 AM PDT After living in our home (in New York state) for 21 years we had a fire. There was a lot of smoke damage. The contents of our home needed to be removed. We hired a mitigation company to remove the contents and they also worked with a dry cleaner to clean a large number of my wife's clothing. The cost of the dry cleaning and contents mitigation was $16,500. In computing the amount of reimbursement this cost was subtracted from the value of our personal property. Should this be the case? Is this the standard operating procedure to subtract the costs for dry cleaning the clothes and the removal of the damaged items from the personal property value? More Info: The contents of our home was valued at $70,000. My wife had many items of clothing cleaned and this cost $6200. The insurance company paid for this and the mitigation costs of $10,300 associated with removing and documenting the personal property. The document that I received from the Insurance company calculates the reimbursement at $54,000. This is the $70,000 value of our contents minus the dry cleaning cost and the mitigation cost. I guess I was a little surprised that they subtracted the cost of the dry cleaning and the cost of the mitigation from the value of the contents. I have tried to look at our policy, however because we've had our policy for so long I have only found renewal notices through the online portal. Thank you. [link] [comments]  |
| Mazda3 2018 Rear-ended! End of our ride together?! Posted: 07 Jul 2021 08:28 PM PDT Hello - My Mazda3 was rear ended two days while on a freeway by a Jeep Compass. The driver did not notice traffic suddenly slowing down on the lane adjacent to the exit lane and ended up rear ending our car while going at about speed limit which is 65 miles/hr. I was slowing down and so my car took the full brunt of the collision. The driver did not brake. My wife and I escaped unscathed, as far as we know and concerned the pains might creep on us, we were and are very shaken and angry at the gross negligence by the Jeep causing the collision. The driver of the Jeep Compass, did pull in after the exit and took full responsibility and apologized for the accident, he acknowledged it was mistake to the police officer who came by to make the report. While that helped, I'm very sad and angry for the driver's negligence. My Mazda3 has been with me for the last three years, I purchased it new with the full package, so its been a little disappointing. My insurance company towed the car as it was unsafe for us to drive it further, the evaluation came back today and its been estimated that the car can be repaired for sub $10K, the report did not call out any structural damage to the frame or the chassis. I find that very surprising and am very concerned since the Mazda faced the full brunt of the impact, while its great that the car can be repaired I won't be able to fully trust that the car is structurally sound for my family and I to drive around in. I'm looking for your input on what the next steps should be, the resale value for my car is pretty good right now (mileage below 40K miles) due to the used car shortage so I want to make sure that I make the best decision when it comes to the safety of my family. How do I handle this? Any advice would be much appreciated. Edit - Location of accident, Kentucky, USA [link] [comments]  |
| Posted: 07 Jul 2021 10:21 PM PDT I am a landlord for a home in wa state and purchased a landlords policy through allstate. I moved to Texas a week later and signed a year long lease there myself. Allstate cancelled my landlords policy for no reason other than "your rental property is ineligible for this replacement cost policy" the same week I moved. My insurance agent had no issues setting it up, I have no idea what to do. Why the hell would they randomly cancel it? Also without any notice... [link] [comments]  |
| Posted: 07 Jul 2021 07:57 PM PDT My car flooded, idk if it's actually considered flooded but water went inside, there's a small puddle on the floor on one side. Idk yet if the engine or anything like that is damaged or not properly working anymore. I haven't been able to check. My area is still flooded and I can't really get to my car. From the back the water looks really close to the muffler, water lever has since gone down but it's supposed to rain all day tomorrow and the next. Would it be worth it to claim under the insurance? I have full coverage. Or would it be possible/better to change out the whole carpet so I'm not driving a stinky car? I'll provide more info if needed. TIA. ETA: I'm in Texas, USA. [link] [comments]  |
| Posted: 07 Jul 2021 09:45 AM PDT I work at a baseball facility and we had a flood in February. We got a massive payout from the insurance company. There was talks of replacing all the turf, new flooring, new furniture, new displays, etc. None of that is getting replaced and the owners are looking for a buyout and running with the money. Every thing they claimed is being "salvaged". Is this fraudulent? Can it be reported? They are slimy people and have the money to buy their way out of trouble. [link] [comments]  |
| What type or combo of insurance to cover loss of income and medical expense scenario? Posted: 07 Jul 2021 09:48 PM PDT I have a job. I am covered by medical insurance via my company. I have life insurance privately, so my family is covered if I pass away. But for example if I get cancer that is bad enough that I cant work anymore, there is a high risk that my company lets me go eventually. In this case, the disability insurance I have from my company is lost. I also lose medical insurance. Still I would have to pay oncology etc. and cover living expenses - what kind of insurance coverage do people get in this situation to cover medical expenses and living expenses? PS my wife is unable to cover my loss of income. [link] [comments]  |
| Medicare Secondary Payer Recovery Process? Posted: 07 Jul 2021 08:53 PM PDT I was in an auto accident in Ohio and the other driver was found completely at fault. I've been working with their insurance company to have my medical bills addressed and I'm looking at closing the claim if they will compensate me appropriately. Today I received a brochure labeled "Medicare Secondary Payer Recovery Process" and a letter requesting I send information related to my medicare insurance and the accident. I'm not sure what this organization is or what purpose they serve. The definition I found is "the Benefits Coordination & Recovery Center (BCRC) is responsible for the recovery of mistaken liability, no-fault, and workers' compensation claims where the beneficiary must repay Medicare." The claim is being handled by the at-fault driver's insurance company so I'm not sure what part this BCRC plays or why they need to be involved. Yes I am a medicare recipient but I'm not asking medicare to pay for any of the related hospital bills - those are being handled with the insurance claim. Can someone advise what purpose this organization plays and why they need to be involved, or if this can be disregarded? [link] [comments]  |
| Should I file a claim? No fault water damage in apt. Posted: 07 Jul 2021 08:01 PM PDT BLUF: I'm unsure whether I should proceed with filing a claim based on:
/// Details: The apartment above me had a stove fire which resulted in the firefighters flooding their apartment with water. This water leaked through to the apartments in the floors beneath it. My apartment is immediately below the apartment that had the fire, so it got the most water. Everyone in the building is required to have renter's insurance and it seems like I have obviously no fault (please correct me if I'm wrong). The purchase value sum of my items that got water damage is $1500, but replacement cost value would likely be $3000-$4000 because everything was bought at least 50% off (except for my mattress and vacuum). Aside from rent, the only other money I spend is $100-200 per month. So, replacing these items would cause a huge hit to my budget. Technically though, I can afford it. Half of me questions why I pay for insurance if I can't depend on it for something like this (that is, it isn't a catastrophic loss, but it's still a good amount of money). Especially considering that I really couldn't have done anything to change the situation. I realize that may be the wrong perspective considering other impacts a claim may have. /// I am also concerned that this information might become record somewhere my family has access to. I haven't told them because they'd worry. But, I do legally own a home with my sister (both of our names are on it equally). Could me filing a claim impact insurance for that house? As far as I know, the insurance is a different company. I also don't know if my name is listed on whatever insurance it does have (does this matter?). Thanks for reading all of that. This is my first time renting and facing an insurance situation, so I appreciate all of the advice I can get. I am in Boston, MA. Also, my renter's insurance is with Assurant at a $130 annual premium: Property Coverage Personal Property $15,000 (Deductible: $100 All Perils) Settlement Type Replacement Cost Loss Of Use Additional Living Expense $3,000 Liability Personal Liability $300,000 Medical Payment $1,000 Property Damage to Others $500 Optional Endorsement(s) You Purchased Water Backup Included [link] [comments]  |
| Does insurance typically cover broken nose surgery? Posted: 07 Jul 2021 11:23 PM PDT |
| I’m not sure if I’m in the right place… issues with Delta Dental or is it my provider? Posted: 07 Jul 2021 11:02 PM PDT So I live in southern CA. I am 24 years old, still a dependent under my dads Delta Dental HMO (delta care USA). With that I should have coverage for braces with a copay of $1950 and then I have to pay out of pocket for X-rays. This January I became dusky insurance with Delta Dental from my employer (the same as my dads employer) but I have opened a PPO just to help cover more cost since I needed a lot of work prior to get braces (mind you the PPO has no orthodontic coverage). Anyways, March comes around I get a pre authorization for my braces pre approved for the $1950, with that approval go to the ortho get my braces on. They accepted my copay authorization, gave me a contract which I signed stating that price, got my braces on and I went home. Here it is now July, the Ortho office tells me that have yet to receive payment for the braces from the insurance. So they tried submitting another claim for it, but it keeps getting sent to my PPO not the HMO so it keeps getting declined and shows I have to pay full price of $6,2000. Anytime I call delta dental (delta care USA) they've stated that they've sent over the necessary paper work to my provider for them to finish the claim. I'm not sure what I should do, my providers billing dept seems either to stupid to submit the documents properly or are they just trying to get more money from me? Any advice would be helpful. I haven't called my PPO because I'm not sure if they can help. Both plans are with delta dental (delta care USA and delta dental premier) [link] [comments]  |
| Multiple parked vehicles hit by uninsured driver Posted: 07 Jul 2021 03:58 PM PDT So this whole thing has been an ordeal. I'm a bit frazzled trying to figure out what I should do. I live in Iowa This happened roughly a month ago, maybe a little more. I'm prepping for a shower about midnight (I can't remember if it was Friday or Saturday night) and my wife calls out to me that someone just hit our neighbors vehicle, and ran the scene, should she call the police? Of course! So by the time I get redressed and down to the street, a different neighbor, and my brother (who lives down the street) were standing around the vehicles. Driver had hit the motorcycle my neighbor owned, plowed into their suv. My brother had heard the crash and saw the house the guy ran to. Guy then sends his girlfriend out (there's no mistaking the two of them, and two people saw him run off) and have her say she was driving. About this time the police arrive, and start gathering some statements while my wife goes and wakes the neighbors to let them know the news. While glancing at the suv, the cop notices skid marks under my jeep and the front end of the neighbors suv is just caved in. Oh shit, they clearly were going more than 25mph to have moved mine three feet further than it had been. The police finish taking statements, give no breathalyzer, don't search the vehicle, and allow them to take it with them that night. (They got a trailer somewhere for it) A week and a half of bombarding the PD trying to get a police report, we find out the cop that had taken the statements quit immediately at the end of his shift and someone else is having to redo/reinvestigate. So all in all where we are now, my deductible is higher than the damages, and I'm wondering if I'm just hosed. I'm moving eight hours away in less than a month, so trying to sue seems like a joke at this point. Am I better off just getting rid of it and writing it all off as a loss. It's petty but I don't want this guy getting off Scott free. [link] [comments]  |
| Posted: 07 Jul 2021 09:09 PM PDT I live in Washington state: I am curious If you hit a parked car and have insurance. But the other driver doesn't. Does the not at fault person get penalized/trouble for no insurance. Can that benefit the at fault driver? [link] [comments]  |
| M&A Insurance Roles? Broker vs Underwriting? Posted: 07 Jul 2021 08:13 PM PDT Are these careers something to pursue? I see interviews for M&A insurance roles. Mainly Reps & Warranties for M&A deals. I see 2 sides to these roles. There's the broker roles at Aon, Willis, Marsh, Lockton, etc. On the other hand, there's the carrier roles at Vale, AIG, Euclid, CFC, etc. Is it worth becoming an underwriter for these deals? Is it a smart career path? I see these guys are in the $150K-$200K range? Alternatively, is the broker side better? Are they making more money? Commission per deal? Do we see this product being around for the long term? I see a majority of deals will look to getting Reps & Warranties Insurance. [link] [comments]  |
| How does genetics testing affect coverage. Posted: 07 Jul 2021 10:19 AM PDT Without getting into too much detail, I'm being treated for recent bouts of a condition for which a cause is unknown. So far just about all known causes have been ruled out. Because I'm adopted and have no knowledge of my family history, a hereditary cause has not been ruled out. The doctor is going to schedule me for genetics testing. He did vaguely mention something about how it may affect insurance. I was under the impression that in the U.S., one could not be denied coverage for an existing condition. So my question is if they do find that I have a genetic marker for a certain condition and in the future do end up getting said condition, in what way if any will my health insurance be affected? TIA Edit:. I'm in the state of Massachusetts, united States. [link] [comments]  |
| Posted: 07 Jul 2021 07:37 PM PDT As people know if you purchase insurance a company is supposed to treat people the same regardless even if they are LGBT. This review is one of them from a former Advisor who left a review. Here is the review as follows from glassdoor. Former Employee, less than 1 year Dishonest and unethical company Jul 6, 2021 - Insurance Advisor in Fort Worth, TX Pros There is nothing positive about this company. Cons Senior management personally hating people because of their sexual orientation. Threatening to lie to the State Insurance Department to make the agent look like a hostile and crooked person. Senior management not following the rules of not selling for another Insurance carrier. Advice to Management None at all. [link] [comments]  |
| Posted: 07 Jul 2021 07:30 PM PDT This has not always been the case, but lately, it has been taking multiple calls to get anything done. One issue with a 2020 claim has required 6 calls -about 5 hours on the phone - so far and it's still in process. Another has taken 4 calls with no end in sight. Customer service reps tell me things that I know are not true. But I can call back and go through the phone tree to get another rep who knows the answer and will hang up on me after 20 minutes and putting me on hold. Reps tell me they will do something and they'll call me back in 2-3 weeks, but they never make the call. Or they tell me they have progressed my issue and it should be resolved in 30 days - but I call back 45 days later only to find that the issue is still where it sat at the beginning of my last phone call. I ask myself why this kind of thing happens and the only answer I can find is that insurance companies don't make money by paying claims, so they five a low priority to customer service. Does anyone else have this kind of experience? [link] [comments]  |
| First auto/ renters insurance advice and help. Posted: 07 Jul 2021 07:29 PM PDT I'm looking to get an auto and renters bundle I got a lot of different price points for a bunch of different packages. I know there's a lot of "what if's and who knows" but overall, I just wanted to get some general advice and feedback regarding these plans. Some basic details that may be useful for this:
Starting of with auto insurance:
Next is renters:
Three prices I have on hand are progressive ($506.00 for 6 months), liberty mutual ($2,418 for 12 months), and amica ($2820 for I believe 6 months). All three used the coverage plans but idk, I'm really surprised that progressive is so much cheaper than the rest? Even geico and state farm were much higher. Is there some catch with progressive I'm missing (like when I get the actual quote, it'll jump up)? Thanks! [link] [comments]  |
| Somebody hit my car...now what? Posted: 07 Jul 2021 10:32 AM PDT Hey guys, long story short, I was coming back from the hospital and while I was minding my own business, a car comes up out of nowhere and tries getting into my lane on a busy highway. This person hit my car and there's a huge scratch on the rear side of the vehicle. I am already dealing with numerous problems (widow mom has cancer, I am working multiple jobs while dealing with health problems) so I should've been the last person that something like this happened to. What should I do? The person stopped and we exchanged info but I don't want my premium going up because of somebody else's mistakes. What do I do??? I'm in Indiana btw. [link] [comments]  |
| Posted: 07 Jul 2021 07:15 PM PDT To preface this, I'm a new driver with no experience dealing with insurance. I was involved in a minor fender bender 8 months ago. A police report was filed, and I gave the other driver my insurance information (they wrote it down and took a picture). At the time I was driving my fathers car, and I've had no other incidents with his car other than that. Today we received a letter from a law office regarding a claim that was filed, which I'll include a link to. What stands out to me is: A) they are asking for my insurance info, despite me giving it to them at the time of the accident and it being clearly listed on the police report we both obtained B) more notably, the date of the loss is listed as more than three months after the accident. There's also zero identifying information about the incident in the letter. C) this may just be something that's outside of my understanding, but the total loss is absolutely outrageous for the damage to their car. It's listed as $5,335.97, but the only visible damage to their vehicle was a minuscule shift in their rear bumper. It was an older vehicle, and even being extremely generous I can't see how that kind of cost could possibly occur from an incident like what happened. I don't know if this is important or not, but I wasn't listed as at fault on the accident. I know this because I later applied to be a doordash driver, and their background check listed the accident as no fault. Our insurance also never went up from it. [link] [comments]  |
| Avoiding premium increase on auto insurance Posted: 07 Jul 2021 07:13 PM PDT New driver here, so, sorry for asking a trivial question. Recently, I didn't see a parking block and ran over it. The bottom surface of the car was damaged. It's just surface damage. I don't want my monthly premium to increase in this case, but if I accept fault, my premium would increase. What can I do to make sure it doesn't? Can I claim in some way that fault wasn't mine? [link] [comments]  |
| Anybody know a DME provider who is in network with Aetna that provides CPAP pillows Posted: 07 Jul 2021 06:29 PM PDT |
| Posted: 07 Jul 2021 09:40 AM PDT My grandson (15) is visiting his mom for the summer. He was on his mini bike and was hit by a truck and snapped his collarbone. This was his fault he was riding on the sidewalk and the truck backed out of the driveway. He needs surgery to put the bone together its a very bad break. He is covered by his dads insurance in Ohio. They said he is fully covered for the ER visit and the surgical consult visit. BUT must travel from Illinois where mom is (Northern Illinois ) to Ohio (southeast corner) for surgery. the 10 minute drive to the surgeon was terrible he almost passed out (he had taken his pain meds 30 min prior to the drive) I dont know how they can expect him to drive 9 hours back to Ohio in that condition.. As well as the bone is very close to popping out of the skin.. That will open up a whole other issue.. Is there something we can say to the insurance co to let him have the surgery in Illinois ? [link] [comments]  |
| Posted: 07 Jul 2021 11:55 AM PDT I want to get my own policy but I don't know if I'm still gonna be listed on my dad's account since I still live with him. Will the insurance companies keep me on, both, his and mine policy, or just mine? Edit: New York State. [link] [comments]  |
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