Which insurance companies are there in your country, and what percentage do they insure Animal Assisted Therapy? Insurance |
- Which insurance companies are there in your country, and what percentage do they insure Animal Assisted Therapy?
- Parents House Fire
- Rental car penalty?
- Excess funds after roof repair due to insurance claim (Illinois)
- Auto Accident/Insurance Help - At-Fault Driver's Insurance Won't Pay Full Repair
- I’m F’d and need advice
- Progressive snapshot
- Is whole life on child worth it?
- Companies that off Class-4 hail resistant roof discounts?
- Geico is giving me and the body shop working on my car the runaround. Seeking some advice if possible.
- Should I hire a for hire adjuster for an auto accident (rear end)
- PreLicenseTraining Courses: Do you have to finish the course before the given time?
- Truck was waiting for parts (in shop) at beginning of pandemic, took it home, additional damage accrued, how should I handle this?
- Homeowners Dilemma
- Accidentally hit a driver's car...
- Is it worth it to get car repairs insurance?
- PPO vs HDHP/HSA (Confirming Selection)
- Car insurance HELP
- Question about finding good insurance companies
- (FL) First time Homeowner (& very clueless). Please someone help me compare these 3 quotes. Its for a townhouse HO3 ( I confirmed I need an HO3 based on my HOA Policy) and I just want to make I am making the right decision aka not having something I dont need or lacking something I need on a quote.
- Progressive COMMERCIAL adjusting ?
- GEICO raised the auto quote on me right before purchasing. For legit reasons?
- Insurance for a nonlicensed driver?
- Vehicle Valuation of Mileage in Total Loss Settlement
| Posted: 06 Nov 2021 02:34 AM PDT I'm looking to solve my trauma's, childhood issues, fears, anxieties, self image issues, family issues, running-away-from-my-problems-issues, social and emotional issues, black-and-white-reasoning issues, I-need-therapy-now-because-I-am-almost-thirty-and-I-am-wasting-my-life-issues, and my autism(which makes everything just a little bit worse), with Animal Assisted Therapy. Only problem is, where can I get insurance that will cover more than 50%( preferably more than 75%)? Getting a dog, and using that for anxieties and fears and selfconfidence is not an option, I'm afraid. So I am running out of time and patience. Cause I don't want to spend my life looking for therapy, and looking for that big pot of gold. So... what insurance might help me, that you know of? [link] [comments]  |
| Posted: 05 Nov 2021 04:55 PM PDT My parents lost everything in a house fire last weekend. They are working with there insurance company to get the ball rolling on rebuilding hopefully in the spring. The insurance adjuster said they require at least (2) quotes from companies if they decide to rebuild. My wife and I started a construction company the beginning of this year and my parents want us to build there new house. Obviously we would give them a deal on labor so they can get more house for the money they are insured for (with the added material cost in the current market they could never build what they had for their insured value). Is it possible for us to do this work or would it be a major questioning point as far as how the insurance company is looking at it? [link] [comments]  |
| Posted: 05 Nov 2021 09:55 AM PDT I filed a claim with progressive insurance after a car accident, and I will need to pay my deductable and get repairs. My agent advised me that if I take advantage of the car rental coverage, that my policy covers, that I will raise my rates higher than if I just filed the claim and got repairs. Is this true? Will I see my rates go up higher if I get a rental or is progressive trying to limit their costs? The agent was also pushing for me to go to an out of network shop. He claimed it would be beneficial to me to do so because the in network shops are backed up. Thank you! [link] [comments]  |
| Excess funds after roof repair due to insurance claim (Illinois) Posted: 05 Nov 2021 09:13 PM PDT I have a strange situation that from my research doesn't appear to be common and I couldn't find much info about it. There are a few pieces to it so the the tldr is: After repairing my roof and replacing all gutters on my house including upgrades, etc. I still have substantial funds left from the amount that was paid directly to me for my roof replacement. Should I tell my adjuster? Work with my contractor to spend the funds? Thank my lucky stars? Full context: I had one of the hail people come by my house. I had been concerned that my roof was starting to look kind of old but we've had no leaks or anything, but I thought it might be helpful to get some pictures from up there (it is a rather steep roof 2.5 stories high). Anyway, I let the guy get on the roof and he claimed I had enough damage to get it replaced due to a 'recent hailstorm'. They said they would negotiate with my insurance company and see if they could get it replaced. I said I was open to that as long as I wasn't committed to anything. The insurance company had their own adjuster come out and take a look and to my surprise, he agreed. So, the insurance company reached out and said they would pay to replace the roof. Great news. So, I started investigating the company further and found some pretty significant red flags. But, since I hadn't committed to anything the insurance company didn't care who I used and were ready to send payment. I told them to hold off until I could find a more reputable company with which to work. After about a few weeks and various estimates I found a good fit. The estimate was around the price the insurance company estimated originally even when including all new gutters so I thought I was all set. All higher end materials. I then reached out to the insurance company to say I was ready to proceed. It was at this point I found that my previous adjuster had been transferred. I then started working with another adjuster only for them to also be transferred. Finally I ended up with a really solid adjuster but he said the company's rates had changed recently so he would have to redo the estimate. Of course I assumed that would mean the amount would decrease and I would end up being screwed for not accepting payment when initially offered. However, much to my surprise the estimate came back and it was 1/3 higher than the original one. But, my contract with the roofer was for the original estimate including gutters, leaf guard, etc. So, now the contractor has completed the roof and gutters and I'll be paying him in the next few days. However, that now leaves the 1/3 remaining from the project. The insurance company is asking for an invoice for the amount paid to repair the roof, and I definitely don't want to misrepresent that or risk insurance fraud in any way. However, if the options are to: So, if anyone has any first-hand experience of how this is typically handled I would appreciate it. [link] [comments]  |
| Auto Accident/Insurance Help - At-Fault Driver's Insurance Won't Pay Full Repair Posted: 05 Nov 2021 05:51 PM PDT I was in a 3 vehicle auto accident a few weeks ago. Stopped on the HW because of construction and was the last of 3 vehicles to be hit. Vehicle is a 2013 Porsche Cayenne Diesel with 133K. Perfect condition, no previous damage. The wreck damaged the exhaust including tailpipe and muffler, together costing a little over $2K to replace. The insurance called me earlier as a "courtesy" to let me know they don't cover "wearable" items, so they won't be covering the entire cost to fix the exhaust, and want to instead pay me a prorated amount based on the mileage. I argued and told them absolutely not, but they would not budge... I'm assuming at this point my only options would be to hire a lawyer and have them deal with the insurance in a bad-faith claim, or sue the actual driver in small claims court for the difference... I've been in my share of accidents, and never had an insurance company pull something like this. Does anyone here have any experience with something like this that can offer any advice? Thanks. [link] [comments]  |
| Posted: 05 Nov 2021 01:57 PM PDT I rented a vehicle through enterprise to move boxes. I was the only driver added. I let my new employee move the truck and he got into a minor accident. My insurance doesn't cover new drivers and is super basic. What should I do? Am I screwed? [link] [comments]  |
| Posted: 05 Nov 2021 07:38 PM PDT I'm using the progressive snapshot tool and am wondering how many hard breaks (or heard break average) can you have before it starts to increasing your rates? [link] [comments]  |
| Is whole life on child worth it? Posted: 05 Nov 2021 10:17 AM PDT My grandfather took out whole life insurance policies on myself and my children when we were each born. He believed they were a way to save and make a lot of money. I remember when I was a kid, he told me when I was 40 I'd have a million dollars. That certainly won't happen from this insurance policy, as it was only a $50k policy anyway, so I assume he was conned. Now he is asking me to take it over along with the policies for my children. He has a good heart and thought he was doing the right thing, and I don't want to make him feel bad, so have considered just going ahead with it even if just for the short term. The problem is he didn't pay into it to cover the interest, so he relied on the dividends to pay for itself. I assume he was coached to do that so it would eat itself up over the last near 40 years. He ran into some hard times and took a bit of money out of it, so it's now only worth $12k at full term, unless I pay back everything he withdrew from it. With that said, is it worth paying the $350/yr for this policy on myself, and is it worth doing the same for my kids, or are these just hopes and dreams cons pitched to the unsuspecting? Thanks! [link] [comments]  |
| Companies that off Class-4 hail resistant roof discounts? Posted: 05 Nov 2021 06:47 PM PDT I am in Texas and just had my hail-damaged asphalt roof replaced with a polymer shingle (www.fwaveroofing.com) that comes w/ a 5-year hail warranty (material/labor) for up to 2-inch hail. F-wave doesn't have asphalt or granules and is extremely impact resistant. Does any one know which companies offer the best discount for class-4 impact resistant roofs? My current company is giving me a 25% discount for the new roof I just installed, but not for it being hail-resistant. [link] [comments]  |
| Posted: 05 Nov 2021 02:01 PM PDT My car is a 2019 Mazda Cx-3 Grand Touring and I hit a deer going 70 a little over a month ago. The deer rolled over the top of the car and dented in the roof. The hood was gone. Engine making loud noises. I made a claim through Geico and they decided I was not at fault and that they are going to send an adjuster to get an estimate on damage. His estimate was around 12k. It made it to the body shop and he doesn't think it's going to be fixable for under 20k. He hasn't started working on it yet because he wants to be certain they're not totalling it before he orders parts. But they will not contact him. The adjuster has not replied to me since the day before the car got to the body shop. My claim status says there is nothing left for me to do and they have it handled. I've never been in an accident and have never had to deal with insurance like this before. Was just curious if there is any advice. I'm going to change insurances after this is over, though. I can also add pics of the damages if anyone is interested [link] [comments]  |
| Should I hire a for hire adjuster for an auto accident (rear end) Posted: 05 Nov 2021 01:50 PM PDT I've been dealing with multiple unreturned calls and emails from the insureds insurance company Liberty Mutual. I don't really have time to baby sit this. Will it piss off the insurance company if I just get a 3rd party to handle it for me? Is this common? We're probably looking at $3k+ worth of damage here. [link] [comments]  |
| PreLicenseTraining Courses: Do you have to finish the course before the given time? Posted: 05 Nov 2021 04:41 PM PDT Like it says '52 Hours' for a course with 90 days access. Does this mean that your time is being counted when you are in the course and have to finish it before 52 hours and 90 days? Thanks so much for any insights! [link] [comments]  |
| Posted: 05 Nov 2021 04:14 PM PDT Back in April of 2020, my truck went to an auto body shop for damage that I was found not at fault for. Insurance company came out to inspect, shop gave an estimate. Then the shop called, saying they were closing for covid and asked if I would take my truck back (unworked on). Since then, on the other side of my truck, I caused damage myself. It was on a dirt road, I planned to just pay out of pocket for it. My worry / question is around re-opening the claim to have the original damage fixed, while having other damage done. Is this going to void my claim? Should I mentioned to the insurance rep that there's new damage on the other side of the truck now? Should I have the auto body shop address the additional damage before the work with insurance? Thanks! [link] [comments]  |
| Posted: 05 Nov 2021 02:47 PM PDT We have a 20 year old roof. Chimney needs work so we had a roofer come out to give us an estimate. While he was here I asked for a complete roof estimate also. $20,000. While he was up there he saw hail damage from a recent storm. We didn't even realize but neighbors all around us have been having stormchasers replace their roofs. We have been considering putting in a claim for a bathroom repair. There is a leak in a cast iron drain which is under our vintage tile bathroom floor. The entire room is tiled including the shower walls. So tearing up the floor and not redoing the entire room is going to result in mismatched tile. (I know this because I've been searching for a match). I could not get the insurance company to tell me if getting the tile replaced to match is covered. I know they will have to remove the floor and the shower pan which is two tile rows up from the floor. My question is show we make the roof claim or the bathroom claim? The roof would be a $5000 deductible and the bathroom $500. I don't even know what is covered under the bathroom! I don't want to get dropped either for making 2 claims. [link] [comments]  |
| Accidentally hit a driver's car... Posted: 05 Nov 2021 01:29 PM PDT Now, mind you, it is not a hit. I have photos of their car and it is an underbody scratch that can be buffed out. No dents, no dings, was just simply a scrape. We exchanged insurance info and they were really nice and genuinely talked to their father who said it was no big deal. For something so minor, would they still file a claim against me? [link] [comments]  |
| Is it worth it to get car repairs insurance? Posted: 05 Nov 2021 12:21 PM PDT I have 2014 Ford Fusion has some dents and need to change/replace things bc it's a little old. Every time I come into the service center they recommend me to do a lot of things. For some of them, I find them very costly. So I was wondering is it worth is to get car repairs insurance, if so what kind/company Thank you [link] [comments]  |
| PPO vs HDHP/HSA (Confirming Selection) Posted: 05 Nov 2021 08:29 AM PDT *Context: Employee + Spouse Coverage. (Possible switch to Family Coverage eventually) Typically use zero medical the entire year and max HSA every year (Pre-tax savings). Only difference is we may elect to start a family, which we would try to maximize time in one calendar deductible. Insurance says typically they have "Discovery exam as normal", and then bill everything according to "Global Bill OBGYN Thereafter" (All to Mother pre-birth, and then Mother/Baby each accordingly after birth". Imaging/Ancillary Studies equal between plans both following respective deductibles. My personal thoughts are that the PPO is insufficient, and it likely makes sense to stay with the HDHP/HSA and max expenditures as early as possible (Similar OOPs and Out of networks for both), but would like to hear if most agree. Thanks in Advance! PPO (Up to $2750 Medical FSA, and addt Dependent care FSA available) HDHP/HSA (Up to $7200 HSA (500 match by employer) [link] [comments]  |
| Posted: 05 Nov 2021 08:28 AM PDT Hello everyone, I recently bought a car from a second hand dealership. But, the car still insured from the previous owner. The car is on my name, but I cannot buy insurance on my name unless the previous owner cancel it. [link] [comments]  |
| Question about finding good insurance companies Posted: 05 Nov 2021 06:54 PM PDT -Ones that would not find every loophole to avoid or cut compensation when the unfortunate happens? Ie fire or hailstones (Which is why we chose it in the first place) -ones that would not low ball a compensation whether it be a total loss situation or not. -ones that have forgiveness, Ie wont Jack rates through the roof just because of a simple human mistake, (accident forgiveness) or an overzealous speed trap where the speeds drop from 70 to 30 in 1000ft. (I still remember the liberty mutual accident forgiveness commercial, but they are usually among the most expensive) -ones that won't threaten to cancel coverage or sky rocket your premiums when "you know what" hits the fan. It's true that non fault events also significantly hurt your chance of getting coverage at a good price. -one that has good riders for things like rideshare. -most importantly one that respect the individual not just it's bottom line. This is one trust that's lost with many large corporations these days. [link] [comments]  |
| Posted: 05 Nov 2021 11:14 AM PDT Both companies have great reviews, but obv I am clueless, and I am tired of getting ripped off by all brokers out there and home inspectors. Oh please dear reddit help me! [link] [comments]  |
| Progressive COMMERCIAL adjusting ? Posted: 05 Nov 2021 10:34 AM PDT Hi all!! :) I've done lots and lots of research on what the in's and out's of a claim adjusters role in, particularly with Progressive. I recently scheduled my final interview for a Commercial Claim Adjusting TRAINEE position, and I'm just studying up/preparing myself for what to expect. A couple questions I have if anyone has experience or could offer any insight at all.
Thank you all sooooo much!! :) I really appreciate any and all insight. And, yes, I've got that STAR format down pat for the final interview. Context, if it helps: Job is in NY. [link] [comments]  |
| GEICO raised the auto quote on me right before purchasing. For legit reasons? Posted: 05 Nov 2021 01:41 PM PDT I got to the Geico quote through a third party site, its offer was about $200 lower than the policy I had with Progressive, matching the coverage levels. Right before it has me purchase the policy, the page now says "your premium has been adjusted" with a new premium that's about $150 higher than the one it initially told me. The reasons it provided were either that I changed the starting date during the Geico application (I didn't) or because it updated my car's info after I had added the VIN. Now, I had told it it was a 2004 Toyota Sienna from the get-go (when I was applying through the third party). Is there something about my specific car that would make it go up like that even though I elected to have zero comprehensive coverage? The car was a gift from my parents that I got in August, and I know that my mother was involved in a minor accident with the car a few months before they gifted it. I was also on their policy as an occasional driver, but was in no way involved in the accident. Could that be it or is GEICO just trying to pull the rug out right before closing the sale? [link] [comments]  |
| Insurance for a nonlicensed driver? Posted: 05 Nov 2021 06:59 PM PDT Los Angeles, CA. I need insurance for my car/ where can I get it without a license. No accidents, violations etc. I simply do not have a license and refuse to get one until the DMV can modernize their systems. [link] [comments]  |
| Vehicle Valuation of Mileage in Total Loss Settlement Posted: 05 Nov 2021 08:45 AM PDT My 2018 F150 was deemed a total loss by the at-fault party's insurance company. I have received their market valuation report and while I will be countering with some closer comparisons, I'm left feeling pretty confused by the value they are adding/subtracting based on their comparison's differences to my vehicle's mileage. I did the math on the comparisons they sent me and they seem to value mileage anywhere from 11 cents/mile up to 34 cents/mile. This is a line-item calculation by them (i.e. no other factor should be influencing this). Are there any industry standards for this calculation or does anyone have advice on how to navigate this particular issue? If it matters, I'm in Colorado. [link] [comments]  |
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