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not sure whether to fill that section out. I've been diagnosed with ADHD since 2014 if that matters.

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I'm considering legal action against a driver that was running a rideservice on Craigslist. I was injured while riding in his vehicle 2 years ago but didn't do anything about it at the time. I now have thousands of dollars in medical bills as a result of the injury. The catch is that I have his insurance information from the time of the incident but I don't have his current address or contact information and I don't think he is still with the same insurance company. I'm guessing that they no longer have any way of contacting him either. My understanding of a personal injury case is that first an attorney would contact his insurance company on my behalf and try to work out a settlement before filing a lawsuit. What happens if the insurer can no longer contact their former policy holder about a claim? Do they just ignore it or can they still attempt to settle without being able to speak to the other party?

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I just got this email from GLAD:

Today GLBTQ Legal Advocates & Defenders (GLAD) filed a motion for summary judgment in a first-of-its-kind case challenging discrimination against a gay man who takes the medication Truvada as pre-exposure prophylaxis (PrEP) to prevent the transmission of HIV.

The plaintiff in Doe v. Mutual of Omaha asserts that the insurance company’s refusal to sell him a long-term care policy is based on its categorical exclusion of anyone who is HIV-negative and takes PrEP. Doe asserts that Mutual’s blanket exclusion is sexual orientation discrimination because 80% of PrEP users are gay men. He also presses a claim for discrimination on the basis of perceived disability.

“There is no legitimate reason for Mutual’s exclusionary rule. It has no business rationale and flies in the face of common sense,” said Bennett Klein, Senior Attorney and Director of GLAD’s AIDS Law Project.

“Mutual would insure the same person not on PrEP -- who presents the higher risk of HIV. Mutual’s policy is illogical and contrary to how it treats other medications. The only explanation for the exclusion of people who take a drug associated with gay men is that it is based on aversion to gay male sexuality and nothing else. In our view, it’s pure homophobia.”

In depositions cited by GLAD, Mutual’s own experts and its medical director made multiple admissions, among them:

  • PrEP is “highly effective” against HIV;
  • Mutual’s policy is contrary to its stated underwriting goal of reducing the number of people with HIV among its insureds; and
  • While Mutual excludes applicants who take PrEP as directed and are at low risk for HIV, the company sells insurance to applicants who do not take PrEP and are thus at higher risk for HIV.

Mutual of Omaha has variously claimed that its treatment of people taking Truvada is justified because of concerns about adherence to the treatment and because of the lack of long-term data on the effects of Truvada. But these rationales are contradicted by Mutual’s provision of long-term care insurance to applicants taking drugs for other illnesses.

This case, the first to challenge the anti-gay policy that is widespread in the industry, has brought national prominence to the issue and prompted some state insurance agencies to consider action. In June, the New York Department of Financial Services issued a directive that the exclusion of people on PrEP from life, disability and long-term care insurance is unlawful discrimination.

Filed in the U.S. District Court for the District of Massachusetts, the motion also rebuts Mutual’s jurisdictional objections.

Case history: https://www.glad.org/cases/doe-v-mutual-of-omaha/

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Hello fellow insurance friends, I work in a medical billing company that is for radiologist groups in Ohio, so not for a specific hospital or anything. I handle workers compensation mostly, but I still see all sorts of procedures and their varying charge rates. I can also pull fee schedules for anthem (my insurance) for radiology CPTs across 3 states: Ohio, Michigan, and West Virginia.

I received a 3 view X-ray of my lumbar spine, CPT 72100 (not with any doctor I bill for, but one that IS in network). I received a bill showing my balance for that X-ray series to be $540. The initial amount was about $1200, my insurance and their contract adjusted some off and applied to the deductible lalalala, leaving me with a $540 bill.

Repeat: this was for a 3 view X-ray. Not an MRI, CT, what have you. X-ray.

I have pulled info across a number of sites, from Medicare, anthem, every insurance under the sun, to show that even out of pocket without insurance, I shouldn’t be on the hook for more than $200, unless I had the Dalai Lama of radiology reading my images, and even then, this is ridiculous.

I have called the hospital billing department so many times that they know me by name and not MRN, but no matter how many supervisors I talk to, no one can give me any proof as to why my bill is so exorbitantly high. I’ve asked for their contract fee schedules, anything, and all they’ve said is that they’d send me an itemized statement in the mail, which I’ve yet to receive. Feedback I’ve gotten is “dunno why it’s so high”, “that seems reasonable from other patient accounts I’ve seen”, and “talk to your insurance”.

I filed an appeal with anthem, with a packet of all the proof I could muster from my fellow medical billers and coders, and they basically said that they uphold their decision and to talk to the hospital billing dept if I still don’t agree. Which brings me back to now, where I still am incredibly frustrated.

The actual bill was $1,190.50. In all honesty, it looks like there’s an extra 1 added, because $190.50 is far more reasonable, actually almost exactly par for the course for the CPT in question.

I’ve tried escalating up the ladder, maybe I don’t have enough can-I-speak-to-your-manager tone in me, but I’m at my wits end. I’ve spoken to insurance reps on behalf of our patients with similar situations, and maybe it’s because I was calling as a provider, but I’ve never encountered such resistance.

Can anyone shed some light on this? Am I just crazy and that amount is normal..? Or should I be more of a betch? Man, I don’t know. I appreciate any advice, thank you.

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About 2 months ago i got in a car accident in which I was at fault. At the time i was living in Idaho. I just received an email from geico telling me that the the attorney of the people i hit are demanding 100,000$ which is my coverage limit. (I'm 90% sure i caused way less damage than $100,000)

Since they are requesting my coverage limit and not any more I would think that I would be fine? But I'm not sure because Geico also said that if they are unable to settle the claim within my policy limits i might have to pay the remainder myself, however, since they've already requested my policy limit and nothing more I fail to see how that would even happen at that point. So, my question is: if the opposing attorney has already sent a settlement proposal requesting my policy limit of $100,000 and nothing more, is there any reason this number could go any higher than $100,000?

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Last year a woman ran a red light at a major intersection, totaled my vehicle and caused neck and back injuries. She was apparently distracted and blindly drove full speed into the intersection about 3 or 4 seconds after the light turned red. I was stopped at a red light on the cross street. When my light turned green I pulled into the intersection and immediately came to a complete stop when I saw her out of the corner of my eye. She was heading directly towards my driver's side door but then swerved at the last second and scraped her vehicle on her passenger side by smashing into the front corner of my car. Police were called but no witnesses stopped and she conveniently claimed the light was yellow. My adjuster determined she was 100% responsible for the accident but I just had liability coverage so I had to file a claim with her company. They initially claimed they couldn't determine who caused the accident. After a heated discussion with her adjuster they suddenly decided that it was 70/30 my fault even though they acknowledged there was no evidence to support that. I had a couple of questions.

First of all I understand that with no witnesses they are likely to take their policy holder's side automatically. The thing I was confused about is how they could claim she was still 30% responsible. Isn't a red light situation pretty much all or nothing? Why wouldn't they just blame me 100% like my adjuster did to her?

Secondly how likely would they be to settle if I retained an attorney? I spoke to a few law firms and was surprised that all of them were willing to take my case. I figured with no witnesses they wouldn't be interested but I've never dealt with this situation before so maybe they're seeing something I'm not. I was just curious about all of this from another perspective.

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Hi all,

Cousins car had issues, so I bought and financed one solely in my name for her to drive. I pay the bank, she pays me the same amount.

I was able to get her insured, but it's way overpriced.

Anyone know a provider that will let me use a contract for purchase to document her interest in the vehicle, and as such get localized coverage for where it's garaged?

To be clear: car in my name, loan in my name, insurance loss payee is my lender. Car not garaged with me, but with cousin. She'll drive 100% of the time.

Contract states if cousin pays $ per month for 60 months title will be transferred into her name solely. Are any point she can sell or trade said car, as long as there's sufficient funds to payoff current lien.

So car garaged with her, not me...

It's just a $10k car, and looking for $1200 a year or less vs $1800.

Thank you!

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Turning 26 in a few months. I have a great paying job but I'm technically a contractor so no benefits. Getting married right after I turn 27. Knock on wood I'm quite healthy, but obviously need insurance to cover me for a year now that I'm getting kicked off my parents soon. Help me adult Reddit... 1. What's the easiest way to go about getting personal health insurance? 2. How much money am I looking at? I'm hoping for like $350 or less a month...is that impossible? 3. I'm sure there's more questions I should be asking, I just don't know so if you can help me in anyway possible thank you!!

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I work for a company in London which rents laptops for its employees. I spilt water on one and am it won’t start. Two questions: is it possible for a laptop rental company to rent laptops without insurance ? And it would it be probable that a large company like that wouldn’t insure its rentals? Worried because repair cost looks like it would cost me a months rent!

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Got a chance to retire and move to south FLA with my partner at 50 and I TOOK IT! I am covered by the school system I worked for until Sept 30th and I will bite the bullet and buy the COBRA till Dec 31st.

I need to find some place here in South Florida that can help me figure out what coverage I can get and how I can get it affordably. I structured my retirement vehicle so that I would have a low amount of taxable income during the year.

Any help is appreciated. I have never had to get insurance outside of having a job before.

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I apologize because it seems like a strange question. Without getting into specifics I was wondering if they delete old phone numbers when you update information. There is an old number I was using that I no longer want to have associated with my account and I was wondering if they keep a record of old numbers once you've updated your number.

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I got into a fender bender more than a week ago, my car has since been deemed a total loss. I was not at fault for the accident. My issue is I've been stranded without a car for more than a week with no rental. Shouldn't I have one by now? What can I do about this?

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So I called my insurance guy today to get some updated numbers and they have me at 400k in personal property coverage (everything I own in the house). I do not really know if I have that many belongings to be covered. If a Tornado (my fear) whips through and completely destroys my house are they going to make me try and itemize everything and just pay for whatever I think of at the time? Also should I take a tally of what I own or do they literally just cut a check for whole policy? I want to save some money but also not jeopardized my policy in the event I actually do have that much stuff (doubtful)

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18 year old college student driver lost control of vehicle due to black ice and hit other vehicle. Other driver happened to be pregnant woman. Insurer gave warning that state minimum coverage could be exceeded and own lawyer would be needed. Car was gifted from parent and was titled in student's name upon 18th birthday. Student received letter from health insurer referencing car accident and asking about income and assets. Most of the cost appears to be NICU services.

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I got a insurance quote recently for my first motorbike, after ringing a few different companies and having them compete on quotes I got a decent price that I went with and paid in full.

I got my statement of facts to sign and they have my licence recorded as a full license. I 100% told them that I had a learners permit when getting the quote.

Obviously I should ring them to correct the mistake, my question is, will I be likely to lose my quote price? And since I’ve already paid it in full, if they give me another price that I don’t want am I able to ask for a full refund and go somewhere else?

Or do they have to honour the quote since I divulged the correct info and the fault is on their side?

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Hi, I'm 19 and I am paying 210 pounds a month for my insurance however I have a black box and have to spend an extra £260 pounds a month for 1000 miles because I'm doing about 1000 a month on average. It has gotten a bit ridiculous I'm spending 470 pounds on the car before I even include petrol every month.

So here's the issue I phoned my insurance to cancel the monthly payments and I was gonna find a more tailored insurance policy.

My insurance comes out every 20th and today is the 19th I said I would like to cancel today and they said that's okay but I will need to pay the 210 for the month I just had.

This is fair enough however they are now asking for 460 pounds to complete the cancellation on top of the 210 that's 670 just to cancel my policy it does not seem right?

Insurance for young drivers in my opinion is an absolute joke.

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I’m new to USA (Nevada to be specific) so I don’t have a great understanding of the insurance system but this doesn’t seem right - hoping I can get some sound advice here.

Around 1 year ago somebody went into the side of my car. Both denied responsibility, police took statements etc.

Fastforward 1 year, my insurance company said the other driver didn’t give a full statement, they went to arbitration to claim back my deductible I paid for the damages. The arbitration date just passed and my insurance company are telling me that there’s no refund because the other insurance company will not pay out. The accident has gone down as non-fault still - is this normal? They agree I’m not at fault but no deductible refund, and the other insurance company just “decided not to pay”?

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I currently work at one company now where I make a decent wage as an ISA, I have received an offer to work for another company thats solely paid in commission. Although I like the company I work for now, the pay is not close to how I want to live. Time management is not an issue so forget about that. I just want to know if its legal to work for 2 insurers at the same time as an ISA, selling P&C at one and Life at the other. I'm pretty new at my job so I dont know everything yet and also a little scared to ask somebody in the office.

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Hello!

I have been looking for renter’s insurance for a while now but I cannot seem to find anyone who would insure my things because I am living with roommates... Any one can help me find something?

(Ontario, Canada)

Thank you!

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So I got rear ended (2018 brand new car) and the other person was at fault. My insurance policy allows me to choose where I want to get my car repaired, so I took it to a collision center(after confirming with them). The collision center gave me an estimate of around $3500 but the insurance adjuster estimated repairs to be around $1500 only. They have missed few important systems that were not working in my car after being hit.

The insurance company has already sent me a check of $1500. I am not sure how to proceed as this will not cover all the repairs. I already talked to my insurance company representative and he was very rude and said this is what it came to. Moreover, I do not know how to go about getting back my deductible($500) as I was not at fault and the representative I spoke to on phone said it was possible to get it back but today they said it might take up to 6 months to get it from the other guys (the one who hit me) insurance company. Can someone suggest what to do next ?

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I had a question regarding a car accident involving my spouse. Here is the relevant timeline so far:

  • On May 16, my spouse was rear-ended while driving to work in Austin, TX. The resulting collision drove his vehicle into the car in front of him, which went into the next car. In total there were 4 vehicles involved (including the person who rear-ended him)
  • The person who rear ended him got a citation from the police officer at the scene for failing to follow at a reasonable distance, and this citation was later upheld in traffic court
  • We immediately (same-day) contacted both our insurance and the insurance of the rear-ender. My insurance told me that they would not subrogate the claim (because we had liability coverage only) and we needed to go through the other person's insurance (Liberty Mutual)
  • After taking the vehicle to a body shop, was declared as a total loss by Liberty Mutual
  • Today I was informed that since not all 4 of the drivers involved in the accident have sent in estimates for the damages, that they cannot pay out the claim until such time, and it may take up to 2 years if one of the drivers never bothers to file a claim (I'm guessing the holdout is the front-most driver, who only had minor damage to the rear bumper)

My question is -- is there anything I can do to get Liberty Mutual to pay out on a timeline of less than 2 years? The 2 year figure is the statute of limitations for filing a lawsuit in Texas, from what I understand, but that seems to me to be really weird that they would have such a long timeline to settle this claim.

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I received an offer to settle from the at-fault party's insurance. I also received a letter from The Rawlings Company referencing medical expenses paid by their client on behalf of my wife. The client being our health insurance provider.

Is this amount they paid expected to be paid back to The Rawlings Co./their client down the line?

This is in California

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Guys I am thinking of switching to one of the above I am from geico. As a driver under 25 living in NYC the rates are just absurd for me but the above seems to be giving me decent rates, was wondering your guys experiences with them. thanks!

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I live in PA and I currently have full coverage through statefarm for my 2017 Jeep Wrangler I’m 23 and I am currently paying $192.00 per month. I have never been at fault in an accident and I have a squeaky clean driving record.

I was just hired by a company who offers perks to their employees and one is a discount off insurance through liberty mutual.

I’m currently fine with Statefarm, I’ve never had a complaint or a problem. But if I’m able to save a substantial amount through another company, I’d be willing to change.

What are your honest opinions about liberty mutual?

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My girlfriend got into an accident yesterday. It was on a four lane divided road in my city. She was turning left and the car in the oncoming lane was turning left as well. When the intersection was clear and there we no cars in the curb lane she started her turn. As she was close to leaving the intersection a car behind the other turning quickly changed lanes to avoid stopping behind the turning car and apparently she didn't see my girlfriend turning and they collided. The officer said most like she will be at fault do to her turning left. Will this be the case? Figured I would ask for more information!

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