Person who caused a lane changing accident is going to claim I rear ended them Insurance |
- Person who caused a lane changing accident is going to claim I rear ended them
- I got rear ended in a 3 car accident. Can someone please explain this letter that was just sent to me?
- Jewelry insurance for citizen/resident of any or most countries?
- Car totaled 8 months ago. Loss of use limitations?
- Renters insurance situation
- copayed before paying full deductible?
- Person who rear-ended us is claiming that we made an unsafe lane change
- Proof of cancelled plates needed to cancel auto insurance?
- 1199 seiu insurance
- Anyone else have this problem with UMR?
- Can I get opinions on this article from both patients and dentists? How have you had to treat a patient with DHMO? How has the dentist treated you having a DHMO plan?
- Can I cancel my claim after Geico deems my car totaled?
- Question on Renters Insurance Loss of Use Coverage
- Currently with Allstate. Please recommend something better/cheaper
- Car insurance need help!
- New to car insurance and not sure if I should file a claim or pay out of pocket
- HSA Question.
- Health insurance termination question
- Auto insurance in NYC for a 27 year old new driver
- Multiple Cars / Multiple Policies
- Supplemental Home Owner Insurance?
- Need overbite fixed as an adult, need help choosing the most beneficial dental insurance
- Nevada Life Accident and health insurance test
| Person who caused a lane changing accident is going to claim I rear ended them Posted: 11 Sep 2021 07:53 PM PDT What should I do? Basically the situation was that I was driving on the far left lane of the road, then this lady out of nowhere hopped on my lane and slammed the brake. I couldn't stop in time, so I hit her left bumper. Now they're claiming I rear-ended them. I do have a witness in an O'Reilly near by saw the whole thing and willing to be a witness. The question is, will this be a problem and lengthen the claim? [link] [comments]  |
| Posted: 11 Sep 2021 10:19 AM PDT "With respect to the automobile accident occurring on the above loss date in which you were involved, you are hereby notified that the Property Damage arising out of this accident may exceed the Property Damage limits of our insured's policy. We will not be able to issue any payments for Property Damage until all claims have been received. We suggest that you file through your own insurance company for your damages and they will, in turn, contact us to collect the damages We apologize for any inconvenience this has caused you." [link] [comments]  |
| Jewelry insurance for citizen/resident of any or most countries? Posted: 11 Sep 2021 10:25 PM PDT Does anyone know any companies that offer jewelry insurance to cover all risks, loss, theft, disappearance, accidental damage etc for citizens or residents of any or most countries? Most of the companies I found like Jewelers Mutual for example that give online quotes are US or US and CA only. I found one local option but they have a minimum of like $170 (the equivalent) which makes it absurdly high percentage wise relative to the 1-2% that is charged elsewhere. I'm trying to avoid putting it on the property home insurance policy because I live with my parents and I don't want to increase their payments if something happens. I heard about a company called Clements but it seems like they only do it for people who are expats or stationed somewhere for some reason? Did I understand wrong from their website? Ideally I'm also looking for a plan with no deductible or a low deductible due to a deductible of 100+ dollars wouldn't real make sense for my situation Thanks in advance! [link] [comments]  |
| Car totaled 8 months ago. Loss of use limitations? Posted: 11 Sep 2021 08:03 PM PDT Hi there, my parked vehicle was totaled by a driver who suffered a medical emergency and deemed 100% at fault. The accident happened in January, but his insurance company was unwilling to accept liability until they received the police report, as he unfortunately passed away. His insurance company finally received the police report and have sent an offer for the total loss of my vehicle. I have not replaced the vehicle yet as I've been waiting on them to process the claim. I also did not receive a rental vehicle. My question: how long can I claim loss of use for? Is it the entire eight months (how long they took to send me the offer) or are there limitations that cover this? Thank you for reading! EDIT: I am in Arizona [link] [comments]  |
| Posted: 11 Sep 2021 02:33 PM PDT Hello! I'm in a bit of an interesting situation here and would appreciate some different perspectives. Backstory: About two weeks ago, the apartment I'm renting was damaged by a leak from the unit above me. Apparently, the unit was recently purchased and renovations were being done. One of the two companies (either the painting or construction) was doing work at or by the sink area of the kitchen. I haven't been given exact details (all parties are very tight tongued) but essentially someone forgot to turn off the water of that area before leaving, and it began to leak. Thankfully, I work from home and noticed a leak coming out of the sprinkler right above my kitchen sink. I placed a pot on the floor under the leak and immediately went to the office of the condo association. No answered despite several calls to their call box thing and I also called the office from my phone. I would later find out that the office had closed for the day and was working remotely to focus all their energy on a water/pipe issue that had been going on for several weeks. Still don't know why no one answered the office phone, but I digress. By chance, I saw one of the maintenance guys walking by and explained the situation. He told me to meet him outside the door of the unit above me while he got the spare key. Once outside the unit above mine, the spare key didn't work. The maintenance guy called the unit owner and apparently, she changed the locks a couple of days ago and had not given the new spare key to the office. Normally, or at least based on one of the documents I was given upon moving in, the condo association would contact a locksmith to break the lock and then charge the unit owner the cost of that. However, the maintenance guy said he would just wait for the owner to come, since she was around the corner. It took about 2 hours, if not more, for her to get there. There was significant damage done to her unit (3rd floor), my unit (2nd floor), and the unit below me as well. It's been quite an ordeal but since there my unit isn't habitable I have been in hotels since this happened and haven't heard anything from the other parties with regard to getting refunded. I am currently paying out of pocket for everything. I didn't want to file a claim with my renter's insurance because I figured the other parties would have resolved this by now, and I could go through them. Whether it be the insurance of either company doing the work in the unit above me, the owner of the unit above me, or the condo association. I have not heard anything yet other than from my property manager that she is looking into it and the inspection was finally done this past Friday. No timeline for repairs has even been given. I got the husband of a family member involved who's an attorney, but even then he's hard to get a hold of at times. I stayed at a hotel for about a week that was around $100/night (nothing special - I live in a high COL city). Given how things went over that week, I opted to switch to a more economical option, extended stay. However, the one I am staying at is gross and unsanitary (the toilet has someone else's poop stains on the lower front outside part - not even sure how it would get there...). I spent one night here, but I'll be needing to work from here, and it's just messing with my mind - I have a history of mental health issues. I'm leaving out certain details to not make this post too long (which is not working lol) but I'm currently on a gig where I work 6 days a week, 11-hour days so this issue is a lot to deal with while I'm working. Furthermore, I figured it would have been resolved by now, and I would at least have gotten refunded some money or at the very least have my hotel costs taken care of. However, since the two companies doing the renovation work are debating who's liable, things have been at a standstill. I am currently paying for everything out of pocket, as I have not yet filed a claim with my renter's insurance. I reached out to my attorneys on Thursday to see if it would be possible to get reimbursed by either the companies for the expenses so far or if I should file a renter's insurance claim, but never got a response (I sent a text). *It's important to note that the condo association's property management company is different from the property management company of my unit. Since they aren't liable either, they've been playing some shady games. My attorney told me the way one email was written, I wouldn't have to pay the rent until repairs are complete, but maybe pursued later on for it. I've even asked my property manager for the name of the owner on several occasions, and she has not done so. Questions:
If you have any other tips, comments, or questions, feel to let me know. Thanks for taking the time to read this. EDIT: switched out the word sh*t for poop [link] [comments]  |
| copayed before paying full deductible? Posted: 11 Sep 2021 05:41 PM PDT I have been in chiropractic for sometime now. My insurance has $400 deductible, $2000 out of pocket and I only have $310/$400 so far. Full amount for this officr visit would be $130, but for past 8 visits, chiropractic only charged $40 per visit. I thought in order for me to get this copay, i am supposed to pay full deductible to achieve that. Or is there something else that needs to be known? WA state [link] [comments]  |
| Person who rear-ended us is claiming that we made an unsafe lane change Posted: 11 Sep 2021 11:18 AM PDT I don't drive at all so I don't know how things work. My friend was driving. I was in the front passenger seat. We got rear-ended while waiting for traffic at a green light. Immediately after the accident, the person who rear ended us was apologizing and telling us it was their fault. They called their mom to the scene and after a while we were informed by the cops that the other party is claiming that we made an unsafe lane change from the left lane to right lane. Another car that was not involved in the accident stopped at the scene too and is agreeing with them that we cut them off without signaling. My friend received a ticket for an unsafe lane change. That is completely not true and I feel so frustrated for my friend because my friend is super stressed and I can't do anything. The cops said the account of the separate witness is above all. It's our word against theirs and I think it's just fishy how the other driver switched up after their mom arrived and how they were interacting with the "separate witness". What can we do? Is it possible to prove that it wasn't our fault to insurance and to fight the ticket in court? Location: New York My friend's car: https://imgur.com/a/nZGcV9u The other person's car: https://imgur.com/a/AWcpUQz Thanks in advance. Let me know if more information is needed. [link] [comments]  |
| Proof of cancelled plates needed to cancel auto insurance? Posted: 11 Sep 2021 11:17 AM PDT Recently, I started a policy with a new auto insurance company. I called my previous insurance company to cancel the policy I have with them and they said I need to mail a form to show proof I cancelled my plates first. I did just move to a new state and I'm going to the DMV next week to get new plates/registration for my car. Is this form really needed to cancel the insurance? Kind of bummed because I won't be able get that form to them in time before my next bill so I'll have to pay for both policies this month. Thanks for any help!! :) Edited to add: Moved from MA to ME [link] [comments]  |
| Posted: 11 Sep 2021 11:41 AM PDT Hi, does anyone know anything about tuition reimbursement through 1199 insurance? I was told I needed to be a member for 1 year before being eligible. I had started my semester at the end of January and finaihed in May and was told I wasn't eligible due to my year hitting in March. Queens, NY [link] [comments]  |
| Anyone else have this problem with UMR? Posted: 11 Sep 2021 11:15 AM PDT So two months ago I went into a local eye glasses outlet (Iowa, U.S) with the hopes of buying a second pair of prescription eyeglasses with transition lenses (I have extremely sensitive eyes). After picking out a pair I liked, the employee who was helping me out tried to get a hold of UMR (my insurance company) to see if they covered glasses from that outlet. For 20 minutes, they tried calling UMR and got no response. Eventually we just gave up and I left. Anyone else run into this issue with UMR specifically? I haven't heard the best about them. [link] [comments]  |
| Posted: 11 Sep 2021 11:14 AM PDT Why You Don't Want An HMO Dental Plan September 15, 2015 There are several types of dental plans: Traditional dental plans – these plans pay a percentage of your dental bill depending on the procedure you have done. They pay a percentage of the dentist's fee he charges for the procedures. Exams, cleanings and x-rays are usually covered at 100% while fillings are at 80% and major work like crowns, bridges, root canals or dentures are covered at 50%. That means the patient pays the remaining missing percentage. These plans also usually come with yearly maximums of $1000, $2000 or $2,500 and once the insurance company has paid out the amount equal to your maximum they won't pay for anything else that year until your policy renews the next year (most policies renew every January) and so you would have to pay 100% of the dentist's fee for any work done once the yearly maximum was paid out. These plans also have waiting periods, for fillings or major work like crowns, bridges, root canals or dentures. This means that if you've just signed up on the plan and you need a crown, the insurance won't help you pay for it for one entire year (the insurance company wants to collect a year's worth of premiums from you before they'll pay for anything expensive). These plans used to be the norm but are virtually non-existent now. PPO plans – These work exactly like traditional plans except the dentist doesn't get to collect his fee……instead he has agreed to collect only the fee the insurance company says he can collect, which is usually 40% to 60% less than his own fee. This saves you money, but it makes you a less valuable patient to the dentist because he gets less money for doing the same work he does on patients who have traditional plans. So instead of the filling costing $100 it might only cost $60 and then the insurance would pay their 80% of that $60 and the patient would pay the remaining 20%. PPO plans also save you money even if the yearly maximum has been paid out by the insurance company because the dentist STILL can only collect the fee the insurance company sets the price at, even if the yearly maximum has been met and the insurance is no longer paying out any money that year…….the patient would still have to pay 100% of the fee, but it would be the 40% – 60% off PPO fee instead of the dentist's own fee. Reduce Fee Plans – these plans have a $40 – 60% reduction in the dentist's own fee, just like PPO plans, but instead of the insurance company paying a percentage of that reduced fee, the insurance company pays NOTHING. The patient pays 100% of the fee set by the insurance company. These plans usually cost much less than PPO plans to have, sometimes as little as $5 a month, which offsets the fact that the patient has to pay 100% of the reduced fee. There are several advantages to reduced fee plans for both the dentist and the patient. For example, since the insurance company NEVER pays out any money to help the patient there are no waiting periods and no yearly maximums on reduced fee plans. You can start getting work done the moment you sign up and you can get as much work done as you can afford to do without worrying that a yearly maximum will be reached. The dentist also benefits because he doesn't have to bill an insurance company and wait for payment…..the patient simply pays for any work they get done the day they get it done. The dentist doesn't have to pre-authorize any work with the insurance company before starting treatment either (something both tradition and PPO plans require before any major work is done like crowns, bridges, root canals, or dentures). Pre-authorizing slows down the speed at which the patient can get their treatment done because weeks, sometimes months, are spent waiting for the authorizations to go through the mail. HMO plans – these plans are totally different from any of the other types of plans. In essence, here's how they work……imagine if Macy's department store sent a letter to all their costumers telling them that if they paid $15 a month, every month, then when they needed something from one of their department stores they could come in and get it for just $5 more dollars the day they pick it up. In theory, Macy's SHOULD make enough money collecting $15 every month from all of their customers to cover the huge loss they incur when a customer actually comes in and gets an item for only $5 additional dollars. In reality, Macy's would be out of business the very next day because people would pay one $15 monthly payment and then come clean out their store paying just $5 additional dollars for each item. When Macy's sets actual prices like they do now they can guarantee that they'll make enough profit on each item so as not to go bankrupt if all the items are sold. With the HMO model, Macy's faces a terrible risk that hoards of customers will all want to come in and clean them out all at once, long before Macy's has collected enough months worth of $15 per person collections to cover the loss. In a dental HMO, the dentist is paid a fee by the insurance company each month for each person on the HMO plan…usually about $15 per person. So if the dentist has 100 patients on the HMO plan he'll get a check for $1500 every month from the insurance company. But when any of those 100 patients need any work, the dentist has to provide that work for only $5 additional dollars. If just one of those 100 patients needs a 3 unit bridge (a fairly common procedure which costs about $2,500) that one patient would cost the dentist more money than he'll get all month from the HMO insurance company. So how's he going to do cleanings, exams and x-rays and other treatment for the other 99 HMO patients???? The answer is he doesn't do the bridge, not yet anyway. The dentist makes the bridge patient wait until he's collected many months worth of checks from the HMO insurance company before he can afford to do the work for that one patient – JUST LIKE the insurance companies have waiting periods where they won't pay for major work until they've collected months worth of premiums from their customer before they pay for expensive work. Insurance companies are in the business of assessing RISK – they collect premiums every month from their customers and assume the risk that those premiums will cover any losses in claims they pay out. In the HMO plan, the insurance company assumes NO RISK AT ALL because ALL of the risk is shifted to the dentist. The dentist assumes the risk that the amount of money he gets every month from the HMO insurance company will cover his losses when a patient comes in for treatment. So, HMO plans only benefit the insurance company since the dentist doesn't want to treat the HMO patient since the dentist makes the most money NOT TREATING the HMO patient. Having a relationship with a dentist who doesn't want to have to treat you is not something you should want as a patient, and this is why you DON'T want an HMO plan. And HMO plans are not new. They were first thought up by Hippocrates in 460 BC. He was an ancient Greek physician who told his people on the Greek island of Kos that if they paid him a monthly fee in the form of food stuffs he would in exchange provide medical care for them when they needed it. It didn't work back in 460 BC and it doesn't work today either. [link] [comments]  |
| Can I cancel my claim after Geico deems my car totaled? Posted: 11 Sep 2021 07:34 AM PDT I have a 1998 Civic in Illinois. It's old, but still a reliable and well-maintained car that takes me to places. It's got some very minor hail damage recently, and I'd like to see if I can get some payout because of the damage. My question is: If the car gets totaled, and if Geico wants to total it instead of writing me a check for a couple hundred bucks, can I just withdraw the claim as if nothing has happened? I don't want it totaled. I won't be able get a car as good and as reliable as my car on the market with the ACV of it, which should be less than $1k. Buying back isn't worth it because you can't drive a car with salvage title in IL and rebranding the title wont worth the hassle Thank you! [link] [comments]  |
| Question on Renters Insurance Loss of Use Coverage Posted: 11 Sep 2021 04:08 AM PDT (I'm In California and my question is about my condo rental converge 😃) My condo rental was involved in a fire in March of this year. My hubby and I were displaced for a few weeks and stayed at his mother's house while we looked for a new rental. Rental pickings were slim at the time and have gotten worse since. I was 7 months pregnant at the time which made everything all the more stressful. The rental that we settled on is $450 more a month than our previous. We actually offered an extra $50 a month to secure the rental because the market was so hot and several other applicants were in the running for the unit. Can my loss of use coverage cover the additional $450 monthly expense/difference we are now paying for our new rental? My understanding is that it will only cover the loss if we intend to move back to our former rental. The rental itself was destroyed with several other adjoining units and it will likely be in construction for another 6+ months - the rebuild has been a complete mess. It kills me that we are paying so much more a month for a crappy rental. Baby expenses add up and we would have never considered moving had we not been forced out. We've been in our rental 6 months and have paid an extra $2,700 in additional rent so far agh! Any advice would be sincerely appreciated. Thank you so much in advance! [link] [comments]  |
| Currently with Allstate. Please recommend something better/cheaper Posted: 11 Sep 2021 04:01 PM PDT My home insurance must be going up because my house payment is $15 more now. I also drive a Tesla with a perfect record, no claims ever, etc. What are some companies you'd recommend that I call to lower my rates. Thanks. [link] [comments]  |
| Posted: 11 Sep 2021 12:09 PM PDT I made a previous post on this before but I need 100% conformation about this. I am a 20M that lives in the UK, London and my parents wanted to do car insurance for themselves and me. My issue is on the 4 or 5th of February there was a police checkpoint and they found out I was driving without insurance which lead to me getting my licence revoked, 6 points and paying a fine. My parents didn't mention this and they keep telling me that it's fine and if they are with me it doesn't matter, they also called my previous driving instructor and he also said that it's fine but im still not 100% convinced. Question is can I drive or do I NEED to tell the insurance company? Edit: So I also just found out they also talked to the insurance company and they also said it's fine but I don't really trust them. [link] [comments]  |
| New to car insurance and not sure if I should file a claim or pay out of pocket Posted: 11 Sep 2021 12:03 PM PDT Hi All, Thanks so much in advance for the advice. I've never leased my own car or had my own car insurance before last year, so not sure the best decision here. Last week, I didn't realize my passenger side door was slightly ajar and I backed it into the garage. A few body shops said it would need a complete door replacement for roughly $4k, and would take at least 2 weeks, so I would need to rent a car as well for that time (maybe longer since they'd need to import the door and supply chains are a disaster right now). My deductible is $1K, but I'm not sure what impact this will have on my premiums since this would be the 2nd claim I have filed in about a year. Last September, I accidentally sideswiped a car and did a lot of damage to the other person's car. Thankfully everyone was safe. I felt really bad about it, and it was definitely my fault so my insurance covered his and my damage. Would filing a 2nd claim make my premiums skyrocket? That has happened to people I know including my mother in law, and I'm not sure if the long term rise in insurance premiums might dwarf the out of pocket expense if I just pay for it myself. Thanks so much, everyone! [link] [comments]  |
| Posted: 11 Sep 2021 11:08 AM PDT If both my kids (3 year old and 8 month old) are on my high deductible medical plan. Would that be considered a family plan or an individual plan? My wife has her own medical. My HSA contribution limit for 2022 would be $3650 or $7300? [link] [comments]  |
| Health insurance termination question Posted: 11 Sep 2021 11:08 AM PDT I quit my job on 6/1 of this year. Afterwards, near the end of June, I made an appointment with a physician. The appointment was scheduled for 7/7. The receptionist successfully ran everything thru my employer-sponsored health insurance and mentioned that I was covered. Last week, I received a letter from my insurance stating that my coverage ended on 6/30 and they will not be able to cover my medical fees. Because I made the appointment after I quit, I thought that if the insurance company wasn't able to cover the cost, the receptionist wouldn't be able to run everything thru. Maybe when I made the appointment, their system assumed I was still employed and was updated only recently. Is there anything I can do at this point to avoid paying the fees? Any advice would be appreciated. I am from Illinois btw. [link] [comments]  |
| Auto insurance in NYC for a 27 year old new driver Posted: 11 Sep 2021 11:07 AM PDT I got my license in October 2020. Geicko is quoting me at $460 a month. Would this go down considerably after 6 months of being insured? [link] [comments]  |
| Multiple Cars / Multiple Policies Posted: 11 Sep 2021 06:37 AM PDT I am with State Farm and am up to 5 cars with separate policies on each. I pay semi-annually so have 10 payments spread throughout the year. I have a brand new 16 YO driver along with a 19 and 21 YO. Am I paying more by having the 5 separate policies than I would be by having one policy with all 5 cars listed? I haven't gotten a quote from another agency in 4 years but plan on doing so soon. Erie was a little lower at the time but that was when I had 3 cars and 3 drivers so we will see. [link] [comments]  |
| Supplemental Home Owner Insurance? Posted: 11 Sep 2021 09:21 AM PDT Is there anything I can purchase to supplement my home owners insurance? I had a cesspool collapse and it wasn't covered and I'm interested to see if there's anything I can purchase to cover future disasters that aren't covered? [link] [comments]  |
| Need overbite fixed as an adult, need help choosing the most beneficial dental insurance Posted: 11 Sep 2021 08:24 AM PDT I'm 25 and have an overbite. I didn't go to the dentist as much as I should have as a child, and for some reason, I guess when I did, no one told my mom I have an overbite. I had a consultation earlier this year, and that's when I realized dental insurance for adults sucks—no coverage for anything like this since I'm over 18. They (allegedly) gave me a discount for merely having insurance, but it was still a lot. I was going to get Invisalign for 18 months, at least to start. I moved away for a new job and want to pick up on this problem as soon as possible and make sure that I'm picking the most beneficial insurance possible, even if it's minimally so... I have to choose between MetLife PDP, Aetna DMO, and Cigna DHMO. With just a few minutes of reading, I've picked up on the fact that apparently PDPs are way better and DMOs are crappy as hell. HOWEVER, it says that the PDP here covers absolutely no orthodontia because I'm an adult, while the Aetna DMO and Cigna DHMO say 50% coverage. Also, it says the PDP maximum coverage for preventative and restorative is $2k while the other 2 have no maximum. But since the PDP doesn't cover orthodontia, I'm not sure that even applies here... I have no idea what to do. Please help. My overbite is stressing me out so badly. I'd get it taken care of no matter how much I had to spend, and want to get the best care possible as well, but I want to reduce that amount as much as I can. Any insight? I'm in NY, if that matters [link] [comments]  |
| Nevada Life Accident and health insurance test Posted: 11 Sep 2021 07:09 AM PDT Hi everyone , I took my exam on Thursday at 4pm. After I finished they weren't able to give me my results because they said the computer crashed but that it still should have locked in my results. They told me to contact Pearson Vue and Pearson vue told me I should wait 48 hours. Has anyone had this happen ? [link] [comments]  |
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