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66
Posted by
E&S Broker
3 months ago
Stickied postModerator of r/Insurance

In the past 5 days, we have warned 4 different posters about the solicitation rule. That's 4 too many.

Here is the rule, in case you're on mobile and can't see it easily:

There is absolutely no solicitation. Doing so will result in an immediate ban. This includes requesting a poster to contact you privately.

If you think that it does not apply to you, please think again. There are no exceptions in that rule, and our all-volunteer mod team is not going to spend time vetting posters to make exceptions. The purpose of this sub is to provide a sort of "safe space" for people to ask questions. It is not here for anyone to build their book of business.

"But I don't sell anything!" you say. In that case, it should be even easier for you to follow the rule. Your heart might be in the right place, but that place does not create an exception to:

There is absolutely no solicitation. Doing so will result in an immediate ban. This includes requesting a poster to contact you privately.

See how it hasn't changed?

We don't like banning people, but the onus is on you to follow the rule.

Thanks for reading, and thank you to everyone that continues to volunteer their time and energy to help.

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10 comments
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My car, a 2009 Pontiac G8, was parked on the street at my dads house on June 29th in a residential area. A guy who lives a few blocks down the road from my dad stopped at the stop sign down my dads road, realized he forgot something at his house, put his car in reverse, and backed into my car going pretty fast for reverse. My fender, bumper, headlight, and hood all need completely replaced. He also shoved the passenger side into the curb and screwed up my rim on that side and I would like it fixed as well.

I called his insurance company, Lighthouse Casualty, the following Monday on my lunch break, recieved a claim number and everything, and was told to send in pictures of my car. I told them I would be going to get an estimate later in the week and they gave me an email address to send that in as well. The pictures they requested were various angles of the damage as well as my vin and other angles of my car that weren't damaged.

I received 2 estimates, one totalling about $4300 worth of damage and the other totalling $6100 worth of damage. I sent in the higher estimate to the company but kept the other in case they needed more.

I received a call Wednesday morning saying they had obtained fault with their driver in his statement. They had also obtained an estimate with their body shop and they are offering me about $3100 to fix my car.

I have several questions about this. How did they get an estimate using only pictures of my car? They never had me go to a body shop locally or sent an adjuster out to look at my car. They are sending me a letter in the mail to either accept the offer and have them write me a check directly or accept the offer and use their body shop to fix the car and they will pay them directly. Or I can deny the offer and they will close the claim and not pay for anything. Is it even legal for them to do that? Do I have any chance of fighting this for more money closer to either of my estimates or in between the two? Would it be worth taking the driver to court if his insurance company absolutely refuses to work with me on this?

The accident happened in Indiana and the insurance is based out of Illinois. I've never been in an accident before or had to deal with insurance so I'm kind of at a loss of what to do. Parts for my car are not cheap and I'm not sure the photos showed all of the damage even though I tried my best.

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6 comments
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Im 27. I got dropped from my dads plan when I turned 26 March of last year. I immediately applied on the marketplace for a new plan, got denied commercial insurance due to low income but approved for medicaid so I applied for Medicaid. My application was approved but I havent heard anything since then. That was like late march 2017.

The application on the healthcare marketplace says the state is to contact me. I've tried contacting the state myself and I havent had any luck. Now Im starting to have some health issues that necessitate doctors visits and Im uninsured so im paying out of pocket. Is there anything I can do? Temporary health insurance (if thats a thing)? Im vastly unfamiliar with the way this stuff works. Im in Illinois if that helps.

Thanks for any responses. I can provide more info. Not sure what else youd need.

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Yesterday my husband and I were out shopping and when we were backing out a car hit us. We exchanged info (we had also called non emergency because we were unsure of everything we needed). There were no injuries, and the damage isn’t very bad, it was just a fender bender, but we had some concerns when we got home and called to report it.

I noticed that the other driver’s insurance had expired last month, and his license expired back in 2015. I feel he probably still has valid insurance, but I am unsure what being unlicensed means for us.

(Other info: my husband was driving and he only has an instructional permit, but I am a valid driver and we have full coverage insurance)

Sorry if this is unclear, I am very confused and just trying to gather information before the adjuster calls tomorrow.

Editing to add a question I asked in the comments: I read that if you make a claim through your insurance you’re automatically admitting fault, and I should have called the other drivers insurance to make a claim? That sounded like BS to me, but I have no idea what I’m talking about. Like I said, I’m fine with it being 50/50 but I think they may have been more liable than us, and I hope I didn’t cost us a lot of money.

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6 comments
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I rent a house in Virginia owned by my parents (for all intents and purposes, it is my house, but not in my name). I pay homeowners insurance (not in my name) and renters insurance (in my name) both through State Farm.

I am planning on purchasing a hot tub (~$7-10k) soon and I am wondering which is the appropriate insurance to increase to make sure frozen pipes/wind damage/fallen trees, etc. will cover the hot tub. Thanks for your help!

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I'm wondering if they'll affect my insurance. My record is clear at the moment except for one at-fault accident ($400 damage) from two years ago. I got another speeding ticket that was dismissed with a defensive driving course in this period.

Is it worth hiring a lawyer, for insurance purposes, to fight to reduce these two tickets? I've accepted that I'll be paying money either way.

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17 comments
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Hello /r/insurance, hoping someone here can help me with this issue. Earlier this year, my wife needed to get physical therapy. Our insurance at the time covered up to 20 visits a year, and she attended 10 or 12. I recently changed jobs, and as such our insurance changed. We received a bill in the mail for over $3K from the hospital affiliated with the physical therapy clinic. As this was supposed to be covered by insurance 100%, how to I go about handling this? I know we need to call our old insurance, but what should I expect here? We probably wouldn't have attended so may PT sessions if we know we would be billed for it. What do we do if the old insurance company claims they're not responsible for it?

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I have a large bottom filling on one of my top molars and I've been in a ridiculous amount of pain.

I haven't done anything because I can't afford to. Dentists say root canal/crown would be the best way to go but it honestly isn't affordable. I live in Western Massachusetts and I have Mass Health but root canal/crowns are not covered. I've seen numerous dentists to see how much the price of the procedure varies 2k-3.5k but that's not money I can get right now. I can afford to pull the tooth but that is going to end up causing long term problems.

What can I do? This pain is driving me insane and I'm surprised I haven't pulled this molar with my pliers by myself I wouldn't wish this pain on anyone.

Are there any ways for me to reduce the costs? Can I apply for additional dental insurance? I have Mass Health for a reason. Im a low income individual with barely enough money to get by. My parents are in a worse shape than me and I'm sure they would help me if they could but I can't do much.

-closest dental school is UConn and it has awful reviews -my credit score is awful bc a relative took out a credit card in my name -I'm a recent college grad and already have 40k + in loans and I'm applying for grad school

What can I do? can I apply for some sort of insurance that would help reduce these costs? Even something around $500-$1,000 for root canal/crown seems more reasonable

Please don't suggest medical tourism I need to work to pay bills and such :(

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I live in Georgia and I've been toying with the idea of getting my adjuster license. Total cost in Georgia would be $404 for p&c class, exam, and licensing fees. From what I'm reading, I need to get a surety bond as well. I can see myself handling all types of claims but as I'm petite and hate heights, I don't see myself getting on roofs too much. I'm a detail-oriented, efficient person, have great customer service skills and I don't hate paperwork, so I think insurance would be a good fit for me. I have a background in management accounting and have a Bachelor's already.

I'm looking to supplement my regular income by doing claims adjusting on the side. I was thinking of getting my license and reaching out to local insurance offices to offer my services as an independent adjuster, to help with backlogs, etc. Is this a feasible plan? Or is there a way for me to get just a small number of claims to handle? I do have a full-time job but wouldn't mind turning insurance into a career. I definitely can't commit to cat claims now as I still have kids at home, but I could see myself doing it in the future.

Should I go for it?

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Hey guys, I'm buying a car with the intent to restore it. I only need to get auto insurance to transport it to my garage upon purchasing it. It'll be off the road for a while whilst I restore it so it doesn't make sense for me to buy a long time policy. I was wondering if there was a company that offered short term insurance. Trailering it isn't an option for me. Thank you in advance.

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2 comments
2

I'm considering getting a personal articles policy for my various cameras/computers/electronics, and I'm wondering whether I should insure these things for:

  1. The maximum value of the articles, based on online retailers, or
  2. What I actually paid for them

Where the second figure is quite a bit lower, considering many of my gadgets came from trade-ins, black friday deals, friends who upgraded and didn't need their old stuff, buy-one-get-one deals etc. Others are, for whatever reason, cheaper on Amazon than at the original seller. Some of them are also refurbishments that are now out-of-stock.

So, do I insure for the max? Or go for the market price?

EDIT: I don't actually have homeowners, or Renters insurance. But there's no option for personal articles.

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10

Every time I have used my medical insurance the insurer will send a letter saying that if I don't call/go online in the next 10 days I will be denied because they think it could be an accident or something that is covered under another coverage.

Examples:

Over a long period of time I developed back pain culminating in a series of chiropractor visits. Each visit (2x a week) got this letter.

Child had a fall and broke a bone in their arm. The doctor visit, the specialist visit, the follow up visit, and I assume the final visit this week will trigger this letter.

It's getting to the point where I feel harassed and threatened and I don't want to utilize my benefits because I don't want to deal with this nonsense.

Is there anything that I can do? I can't seem to get a human when I call. Nothing I've done online seems to work.

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9 comments
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Hey Everyone, looking for some advice/insight

My wife and I have health insurance through her new employer (2-3 months old). We signed up for the lowest cost policy ($400+/mo.) as we are both going back to school and trying to budget, save for a house, etc... A few weeks ago we had to take a trip to the ER when my wife sustained a deep cut from a chipped glass tabletop at a friends house that necessitated stitches. We just received the bill and discovered that our insurance does not cover ANY services provided by hospitals. This feels insane to us. Is this common/is there any recourse? We are now stuck with a bill of over $2100 for some stitches on top of the $400/mo we pay for (apparently) nothing.

I realize that we should have scrutinized the policy when signing up but we both never even considered that a policy that doesn't cover hospital care may exist. Does anyone have an advice on how we should proceed? Do you think we can do anything to work with our insurance company to lower this bill or are we shit out of luck?

Thanks in advance

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6 comments
10

A month ago my house was damaged so bad by a break in a 30” water main that it flooded my basement and caused the house to be deemed uninhabitable. The water main was under a state highway that runs just on the other side of the house. Just about the entire back yard was eroded away and the soil underneath the basement was washed away in a corner causing 2 walls to collapse. My homeowners policy had exclusions for water damage so the immediate claim we placed was denied.

Has anyone had experiences with water companies covering or not covering the cost to rebuild? The water company placed their own claim and we’re still waiting for their investigation to determine if they say they are liable or not.

The house is in New Jersey and it’s a private water company.

Also, living in a hotel gets old, real fast.

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Sorry in advance if this question is not close enough to health insurance. I couldn’t find a more appropriate sub to ask in.

My 70-yr-old mother is (understandably) very cynical about the health care system in this country. She has been largely healthy through retirement and has refused to get any sort of insurance that requires paying premiums, copays, etc. Right now she has only Medicare part A, which is hospitalization coverage (just for accidents? IDK). She is able to get a sliding scale payment for the medical treatments she does occasionally need based on her low income (only social security and a small pension). She pays 20%.

In the past couple months, she has developed a more serious illness that is still not thoroughly identified (meaning tests after tests, which drive her crazy, she thinks they are all done just because someone wants money) and at some point hopefully in addition to diagnostic costs there will be some treatment costs as well (I say hopefully because if it turns out to be cancer she will flat out refuse chemo or radiation therapy and I may lose my mother soon). If it’s something less serious, there may be a surgical process to go through, with all the related costs.

If she signs up for Medicare part B, I think she will pay a percentage late penalty (signing up after general enrollment ends in March) and that penalty will continue for as long as she uses part B. She is reluctant to do that, thinking that she can just pay her 20% sliding scale fees and manage okay. I dunno. Also not all the specialist doctors may participate in that hospital plan.

We discussed Medicaid (just for medical care, not for nursing home or other long term care), but she says they will want to know the value of everything she owns (not much, an old rural house/land, a savings account, and a car) and they could take her assets somehow. I see that the form asks for a lot of financial information, so I don’t know if it’s true or not. The good thing we heard is that Medicaid could pay for bills three months retroactive so if she does end up with super huge medical bills in the next month, perhaps that is the right way to go.

Looking for advice on what is the best thing to do, bearing in mind that we still don’t have a diagnosis but she has been pushed to the head of the line for diagnostics because the doctors have determined that something serious is going on. We have tried to talk to people at the local Medicaid office but they are hard to communicate with (as is my mother, which doesn’t help). I have kind of taken over dealing with cost issues for her because she often gets cranky talking to people, which doesn’t help when dealing with bureaucracy, and she has very little energy so I don’t want her spending it on those sorts of things.

Also, just as background, part of the reason I am clueless about this stuff is that I have lived overseas for a long time and haven’t had to deal with the US healthcare system in almost 2 decades. I’m also rather poor so my own paying out wads of cash is also not an option. But I am here with her for at least the summer, taking care of as much as I can for her.

Hoping someone will have some nuggets of useful information. I know Medicaid varies from state to state, but I believe Medicare is the same everywhere. Many thanks!

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I am curious. I am an IL resident and visited Lansing, MI with my gf and ended up calling 911 for a medical emergency. She said that she got a bill for the call as an out of state person calling for help. Is this legit? We did not go to the hospital or get in the ambulance as she was treated for the emergency on the spot.

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I didn’t report anything to the insurance because the damage wasn’t at all severe and I don’t know if I was at fault.

The other guy probably did, but I haven’t received a call from his insurance for over a month now.

Did he come to his senses and realize the deductible was more than the repairs, and didn’t go through with it? Is the process just slow?

This is my first accident and I don’t know what will happen.

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14 comments
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For example, can you take an insurance that says that in the case of damaging somebody's property by mistake, the insurance will cover the costs for you?

Just curious.

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Hello all. I'm in the process of purchasing a house for the first time and I found myself an independent insurance agent. The quotes I'm getting from him are far cheaper than the few quotes I obtained myself online. My question is this... I'm getting two ranges of quotes. One range is in the $1500/yr range and these quotes are coming from big name companies like Travelers and Progressive. The other range of quotes is in the $1000/yr range and these quotes are coming from companies I've never heard of, such as Heritage Property and Universal Property. The coverage is the same for all quotes.

Should I be weary of the cheaper quotes or is it safe to save $500/yr and take the cheaper option? Thanks!

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Just finished 540, which I was told was the tough part about the CPCU. I have three courses left (AIC 31, CPCU 551, and CPCU 552) but wanted to know if it gets easier from here.

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I was planning on trading my 2016 Dodge Durango with 20k miles on Wednesday but....with my good luck I was side swiped. The other party was found at fault for the accident by the insurance company. I'm now worried that with this accident, I'm now facing a value loss and stuck with the car even longer.

Even with the door being replaced and looking good. Anything I can do about it such as a diminished value claim? Would I be facing higher insurance rates? I'm with gieco and I am in Maryland.

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8 comments
0

So the difference between the state minimum and full coverage on my car is $217/$485, my question to you guys is, do I absolutely need full coverage on my financed car if I have gap coverage to cover me in the event of a total loss?

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7 comments
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First of all. Thank you so much for this subreddit. I read the rules and their awesome.

Went shopping came back and saw that some Inbred hit the driver side of my car and left. Now I have a fairly large dent. I am in my mid 20s with no prior accidents / traffic citations. If I report this will it somehow negatively impact my insurance monthly payments / deductible / record?

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9 comments
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Backstory (PA) So basically what happened I'm driving a lot a residential street and a car in front of me came to a complete but sudden stop for an unknown reason. I saw this and was able to come to a COMPLETE stop just as they were. The next thing I know I look up in to my rear mirror and I see someone driving towards me looking the other way down another street. Next I am rear ended and pushed into the car in front of me.

My insurance called and said that the other two people involved in the accident are saying I caused it by running into the back of the car in front of me which then caused the other person to run into the back of me. Me running into the back of the car infant of me is impossible. My car has a safety feature which prevents things like this. I am now thinking that I am possible getting scammed by both parties what should I do?

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Hi there, I have a very scary issue regarding my new insurance and would appreciate some help.

I'm 22 years old and bought my first car about a month ago. I decided to go with State Farm, as they offered "rideshare" coverage since I wanted to drive people around for some extra money.

I signed up for the policy completely over the phone with a local agent. The price she gave me when signing up was $360/month with a large deductible. I paid the first payment and was happy.

Now, a month later, my next bill is due in about a week. I wanted to pay it early, but now I've found that my rate has changed to over $1,000 a month!

The local agent is closed until Monday, so I called State Farm directly and all the agent could do for me is cancel auto-payment and write a note for my local agent to contact me on Monday.

There is no way that I can make that payment. Is it normal for them to change the rate so drastically and so fast? Especially without contacting me? If I cancel, will I still owe the $4000+ it says is remaining on my account? I'm sorry if I left out any info that could be useful, just let me know and I'll try to fix it.

(By the way, I know $360/month is a lot, but its my first time and I wasn't under any family insurance or anything for about a year since I wasn't driving anything.)

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Hey all,

I've spent the better part of the past two years overseas. I'll be back in the United States at the end of next month and hoping to purchase a used car to see me through the rest of university.

I turn 25 in less than a month and am looking forward to possibly-reduced rates. However, I'm afraid that my year without a car may somehow constitute a "gap" for insurance companies, causing any potential premium to skyrocket. While I have a hard time rationalizing how that may occur, I'm quite wary of the calculus employed by insurers when determining risks. Moreover, I live in Michigan, which is among the most expensive states for automobile policies.

I owned automobiles since I was 18 and had my own policy from 20 onward. Never had any accidents and haven't received a ticket since I was 19. I currently hold a motorcycle policy with Allstate but was told that I'd have to wait six months before insuring a car with them.

Sorry if this is a goofy question.

Thanks!

tl;dr--I have a good driving record but haven't owned a car for the past year. Will my premiums be higher than normal due to the "lapse" in my ownership and insurance history?

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13 comments
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