Leaving current company at the end of this coming week for Trader Joe's where I currently work part time. I am not eligible for insurance with TJ's just yet, and am wondering what my options are for health/dental insurance in the meantime. Budget isn't incredibly flexible and I'm not sure where to start. I'm 26 and live in Illinois. Any help is appreciated!
As in the title, specifically the agent that helped me sign up for their Auto insurance at Metlife told me that by downloading and signing up for the app, my wife and I would be able to get further discounts in addition to amount he quoted me (and which I accepted). Then, when I received the policy documents in the mail, it says that I have the "My Journey" app discount applied. The agent specifically told me if we used the app, we would be able to get another 20% or 30% off of the auto insurance, so we should download it the moment we get the notification via text message. Now that I am looking at the documents and the app, I am getting the impression that I am being forced to use this My Journey app from Metlife or my premium will increase.
Was this a bait and switch? Or did the agent get me the discount which will stay in effect even if I don't use the app (knowingly)?
I'm finding it near impossible to find information about typical price rates online. With renters insurance, it is easy to find price rates, such as $200 a year or whatever. I even talked to my typical insurance companies and they said they don't even offer business insurance, so I'm not even sure where to begin looking.
Like say I have $50k worth of business items, ranging from computers to industrial equipment, how much would I be expected to pay to protect all of this against things like theft, natural disaster, or even an accidental fire to the building? Also interested in protection against theft or damage from transport - as I plan to be moving all of my things across the country soon and I am somewhat paranoid about about something happening to the transport truck or something alone those lines.
So my friend got into an accident on the highway, nothing too major his cars hood was just dented but no other damage. It was on the highway and the cops came so he was going to claim it on the insurance. The problem is that the next day he crashed into a parked car at like 6am and screwed up the rest of the hood, bumper, and drivers quarter panal and then left without leaving info for it. Dick move on his part but I guess the other car wasnt as bad so he just booked it. Now how should he go about this, should he claim the hood for the first accedent and just pay the rest off to fix his car or will the insurance company ask questions on the rest of the damage? Or should he just take the loss and pay the whole thing off himself so his insurance doesn't go up?
October of last year I tapped someones bumper, and i'm not over exaggerating either. I was in bumper to bumper rush hour traffic heading home I was inching forward and I tapped their bumper. We got out of our cars and examined the bumpers. We both took photos and exchanged information.
I get a phone call on an out of state work trip the following week from my insurance company, State Farm claims department wanting to go over the incident. I told them my side of the story and how fast I was traveling (I said I was inching forward in rush hour traffic so my odometer couldn't even register 1mph) and their side was I crashed into their bumper and the passenger is claiming a severe neck injury after the incident. I sent claims the photos of my car and theirs and asked if they needed to examine my vehicle to contradict their side of the story. They told me that's unnecessary and they don't do that unless I want to file a claim for damage on my car from the accident. I said there is no damage because it wasn't even a accident I inched forward a little too much in rush hour traffic.
Fast forward to December I get a letter that my monthly rate went up after the claim was processed. I called state farm claims to go over what damage was found because there is no way their preferred shops found damage on their car that was caused by me. The agent I spoke with said damage was done to their taillight on one end and the emblem badge on the other. I told the agent how is that even possible hitting both sides of the back end of a curved vehicle and that my car sits extremely low to the ground (2016 Honda Civic) while theirs (a Chevy Malibu) sits much higher, my car is more likely to go under theirs that jump up and hit either side. They said it seemed fishy too and that Gerber collision and Glass should have caught that... At the end of the phone call she admitted they paid out the claim because the passenger said they had a neck injury so that they wouldn't turn around and sue me. She said that she would wipe this from my insurance record and for the next 6 month billing cycle my rate was back to normal.
July however my good driving discount was revoked and I'm paying an extra $30+ every month. I called state farms claims and tried to get that same lady again but they wouldn't transfer me to her. Instead I got this cold by the books lady and she stated State Farm should have never added that discount back onto my profile because I was at fault I'm shit out of luck.
Is it a decent idea to go insurance shopping right now to reduce monthly costs, I'm 28 getting married in 2 weeks, I have no tickets, only this 1 bs claim against me. If so which companies should I go with I heard people love USAA but I'm not eligible for that.
My girlfriend and I were looking at the best way to insure a car that we share and are a little confused on how we should go about doing it. My girlfriend owns the car but doesn't have her license yet so we don't know if we can get insurance under her name. I drive the car most of the time, but she also practices occasionally. We also live together and I don't know if that changes things. Thank you for the advice!
I already had Auto Insurance through Progressive, and Renters Insurance (Apartment) through Nationwide. I decided to bundle my auto/ renters through progressive for the auto-policy discount. I confirmed with TWO customer service agents that I would be getting a discount on my Progressive Auto Bill - I was even verbally given the exact $$$ amount of what my new bill will be - so I moved forward with purchasing the renters insurance through Progressive for the multi-policy discount.
Well, bill comes through and it's the same. I call and find out that due to me living in California, I am denied the auto policy discount, and there's nothing they can do about it. I was never once advised this, either on the website when signing up or on the phone. It could be somewhere on the FAQ's page I assume, but speaking to agents telling me my discount $ amount made me not think otherwise.
Now what? Does anyone know of any California State Auto Insurance Companies that provide multi-policy (renters) discount?
I’m trying to get insurance on a property with knob and tube wiring. I haven’t been able to find anyone willing to write a policy even though a ton of homes in my target area have it. Can anyone recommend starting places for this?
So, baby will arrive mid November. Husband has been advised that his employer sponsored plan will begin early December. He will receive his first paycheck in October that will almost certainly put us above the income limit for AHCCCS (AZ’s Medicaid plan).
We are a family of 4 (Me, Husband, Daughter, and Baby on the way). Beginning in October, our total income will be about $3200 after taxes. Husband will be earning commission on top of this so that will likely push us over the income limit of $3263 for the pregnant women category of AHCCCS.
I have scheduled a c-section for the middle of November. There is absolutely no way for this to be delayed until after his coverage starts or pushed forward before our income changes.
It’s like a perfect storm of bad timing.
I plan to call to report the income change as soon as we receive his first paycheck. It would probably be pointless to call before then since I won’t have any documentation to provide to show the changes. I don’t want to risk waiting to disclose the changes until after the baby is here as I’m pretty sure that would be fraudulent on my part.
Does anyone know what will happen in this scenario? Is there some kind of grace period with AHCCCS/Medicaid that will help us until his employer plan begins? Will we be allowed to sign up for Marketplace coverage for October-November so we can at least pay premiums and copays that will likely be less expensive than paying for a major surgery and hospital stay out of pocket?
Thanks in advance for any insight!
After that, physically all goes well. Now, a few weeks later, the Urgent Care sends me a bill for $220. What did they even do? They also incorrectly advised me to go to the ER which ironically costed only $188 (would've been cheapest option to just go to ER directly).
What can I do in this situation? I have health insurance and am far from my deductible. Can I go to the Urgent Care and negotiate with them? Can I make them pay my $188? Not sure how much bargaining power I'd have.
I'm in WA if that matters.
I have not been to a doctor in a while. I went to an urgent care and my blood pressure was very high. I’ve been charting it for a month and it is consistently high. I’m scared to get an official diagnosis because it could affect insurance rates.
I have no real dependents yet but I may in the future. Should I buy term life now while it’s cheap before I go to the doctor?
Does HBP affect rates?
A semi truck hit me and we took pictures of the accident. My insurance won’t help me because I only paid for liability coverage and told me the only way out is to sue the driver and the company. I can’t afford a lawyer, so I asked one of my friend for help me since he used to work for a car insurance company. Based on what my insurance told me, the other driver doesn’t have insurance and they’ve been trying to reach him, but there’s no luck. The drivers license is out of the country and the insurance/registered owner are in different states in the US. My friend did some investigating and decided to look up the policy number on the insurance paper he gave me and it doesn’t exist. We even called his supposedly car insurance to confirm and they said policy numbers contains more than 6 digits and it starts with letters followed by numbers. My friend told me I can file a claim with their insurance company since mine won’t help. Since I can’t find his insurance company, how would it work? The policy number doesn’t work and he thinks the situation is shady and is trying to find other ways to figure out what’s going on. The driver is driving for the company - commercial. What should I do now?
My friend borrowed my car yesterday and got into a minor accident, scratching another car and bumping off my driver's side mirror from the holder. When he exchanged insurance info with the other driver, he forgot to get the guy's contact info, and showed my car insurance card. Is there any way to prevent this from showing up on my record? We'd prefer to just find the other guy and pay for his repairs, but assuming we can't find him, is there any way to get the bill for this incident and have my friend pay out of pocket instead of having my rates go up? What will happen with the insurance if I tell them it wasn't me driving?