August of 2022 I was in an accident. Suffered injuries and all my medical bills were dealt with. June of 2023 I was sent another medical bill from the at fault insurance after I had already settled in January since I thought that was all my bills.

In June the at fault insurance towards me this bill that was sent to them from a medical company. They state that the insurance limits have been met and that I need to take care of the lies.

I call the medical company and they state they have sent the bill back to the original company and cannot find my records. Can anyone come after me if this is not paid?

Hi everyone, my husband has a PPO health insurance plan through his employer. I’m on his plan. Recently I’ve become eligible to sign up for health insurance at my job. I’ve chosen the high deductible plan with HSA contributions for myself only, I’m not including husband on it. Is this allowed? I remember reading somewhere that you can’t be covered under both high deductible and PPO plans. Thank you for any insight into this.

Hello, looking for any advice anyone is willing to give on our situation!

On Saturday, my family and I were gardening in our yard and talking with our neighbor. A man who had a health condition and became unconscious lost control of his suv and it careened into our fence, through it, and I to a power pole. We were right next to the fence when it happened and luckily, are all physically okay.

Our southeast fence corner is gone, the sprinkler system is likely broken, and the garden we were working on is destroyed.

Mentally it will take some time to feel safe in our own backyard again. I made it out with basically scratches and bruises. They took me to the hospital and okayed me. I still can’t believe I’m unharmed as I was about three feet from the cars tire.

We have filed a claim with our homeowners policy through safeco. I’m not too worried about the damage and I’m sure it will get fixed. More concerned about making sure my wife, daughter and myself can move on from this emotionally.

Thanks for reading and any advice!

Fiance was recently involved in an at fault accident and is driving my truck in the meantime.

The other day, in a private parking garage, as she was backing out of her stall, she collided with another vehicle which was also backing out. The other person's car was a very small sedan, and was not visible to my fiance in any of her mirrors (no backup cam, older vehicle). The other driver in the small car indicated they did not see my fiancee either. Sounds like a 50/50 fault scenario to me, from what I've researched. Impact point on my vehicle is the corner of my back passenger bumper. Other drivers impact point is back driver quarter behind the wheel well.

My vehicle has minimal damage. I don't want or need it repaired and have no desire to pursue a claim. However the other driver didn't reply to a text my fiancee sent after the accident, and contacted my insurance and opened a claim, so now I have to get involved to get this resolved. Looking for some assistance and guidance, and have a few questions.

What should I tell my insurance agent in regards to fault (or what should my fiance say)? Should I say I believe it's a 50/50 situation (as most parking lot accidents would be?) My fiance believes the other driver is at fault based off the situation but 🤷 should we imply we believe they're at fault?

Should I call their insurance and also file a claim, even if I don't want the vehicle repaired?

If it's declared 50/50 and I elect not to open a claim with their insurance, does this claim just go away, fall off my record, and I don't need to pay my deductible? My state is a comparative negligence state, but I don't really understand how that impacts anything.

My goal here is to not have this claim affect my record, not pay my deductible and have the claim cancelled or whatever, and not worry about repairs to my own vehicle. Would appreciate any and all advice!

I have always been on my families auto insurance as a “driver” and i have had a few collisions going back a span of 4 years.I have not had any mishaps for about 1/2 years now.So when i buy my car and get my own auto insurance policy under my name will these past collisions somehow effect me or be attached to me from my parents policy when i was driving there truck as a driver and was at fault…We have farmers.

So I was offered 75k Base salary, and 30% on all new business including commercial sales in the DMV area. It's a local broker that works mainly with Erie. This seems extremely high for my area. So when jnterviewed by the ceo I clarified multiple times, does this seem high? Mind you I'm licensed in 32 states with nearly 7 years experience.

As the title says, I don’t want to increase my assurance by claiming via my insurance however yesterday a car crashed into my car. The person in the other car admitted it was his fault. I’ve got videos of the entire thing, but not of the Crash actually happening he was a drunk driver. He was driving a rental car however said he only has third-party insurance now to my question myself and the other person in the car are both injured. We would like to claim how do we go about this process without increasing our insurance because we don’t wanna contact our insurance because that will increase it regardless of his fault? It is we’re on our way to the doctors now going to file a police report now the crash happened yesterday however the other people in the car intimidated us and told us to not go to the police yesterday so we didn’t however we realised that we need to do that now, what steps can I take to ensure I get a claim for the damages that is done to myself and the person in my car and also to ensure that my insurance doesn’t go up? I’ve got full insurance

Located in Los Angeles

Hired contractor to modify roof in back of house.

First major rain storm, rain went in the attic and ruined 2 rooms.

He gave me his insurance contact information.

I provided his insurance evidence, photos, etc.

My confusion: insurance claims they only will pay ACV, not RCV because my roof was old… so I am out having to pay the rest out of pocket??

Since this is a liability claim, shouldnt they have to pay me RCV?

My employer, who outsources its benefits administration to bSwift, provides “Basic Life” and “Basic AD&D” insurance from Prudential to all employees who work at least 30 hours per week. The Employer pays the premium, and I pay “imputed income” payroll taxes on that premium. This coverage is involuntary; I was not allowed to opt out of it, and confirmed this fact with a bSwift representative.

(In case it matters: I live in Alabama, and my employer’s corporation is registered in Virginia.)

I work 30-39 hours per week, which my employer’s HR document defines unambiguously as not being Full-Time — emphasis sic:

Time Type

[Employer] categorizes all employees as full-time or part-time based on the hours scheduled to be worked in a workweek and annually. An employee’s classification may be modified if their scheduled hours increase or decrease during employment. Changes to scheduled hours may impact an employee’s eligibility for certain benefits. Please consult [Employer’s Paid Leave policy document] or the specific benefit plan documents for additional information.

a. Full-time employees are those who are hired to work a minimum of 40 hours per workweek or 80 hours per pay period. The workweek is defined as Saturday to Friday. The standard annual work hours for full-time, regular employees are 2080 hours.

b. Part-time employees are those who are hired to work less than 40 hours per workweek or 80 hours per pay period. The standard annual work hours for part-time, regular employees will be established for employees on an individual basis but are less than 2080.

…

The following table is a high-level summary of benefits eligibility based on Employee Classification and Scheduled Hours. This table is provided for quick reference, however, should there be a discrepancy between the table below and the information in the relevant specific benefits policy, the specific benefits policy will prevail.

Type	Scheduled Hours	Insurance Benefits	Leave Benefits	401(k) Benefits
Full-Time	40 hours	Yes	Yes	Yes
Part-Time	30-39 hours	Yes	Prorated	Yes
Part-Time	20-29 hours	No	Prorated	Yes
Part-Time	1-19 hours	No	No	Yes

Now, the “specific benefits policy” for the Life and AD&D Insurance states (emphasis added):

It is the Plan Sponsor’s intention and direction that The Prudential Insurance Company of America as Claims Administrator has the sole discretion to interpret the terms of the plan, to make factual findings, and to determine eligibility for benefits. The Plan Sponsor has determined that benefits are payable under the plan only if The Prudential Insurance Company of America, in its sole discretion, determines that they are due. The decision of the Claims Administrator shall not be overturned unless arbitrary and capricious.

…

The “Covered Classes" are these Employees of the Contract Holder (and its

Associated Companies): All Active, Full-time Employees excluding Competitive Fringe Employees.

…

You are full-time if you are regularly working for the Employer at least the number of hours in the Employer's normal full-time work week for your class, but not less than 30 hours per week. If you are a partner or proprietor of the Employer, that work must be in the conduct of the Employer's business.

This is obviously disturbing. Given that I am in the Part-Time employee benefits tier of 30-39 hours, I cannot see how my heirs will be able to prevent Prudential from weaselling out of my death claim.

When I opened a ticket with bSwift, they told me (in a reply by phone) that it was the Employer’s “policy” to not allow employees to opt out of this coverage. I noted that both I and the Employer are being “ripped off” by Prudential by this arrangement as it stands, and requested that I either be given a written guarantee by the Employer or bSwift to replace the benefit if my heirs’ claim is denied on this basis, or that I be permitted to opt out. I await a reply.

When I opened a Request For Assistance ticket with EBSA, the representative (who replied by phone) tried to convince me that the verbiage in the Prudential policy document would include me, as it names “30 hours per week” as a minimum. I made the mistake of accepting this explanation over the phone, then realized my mistake and left a voicemail clarifying my situation including the HR definitions policy. I await a reply.

This whole thing seems Kafkaesque; I had to argue with a phone representative for a while, then wait a week, to even be granted access to the policy document during Open Enrollment in the first place, as bSwift had incorrectly filed the Benefits Summary Brochure as the “policy document”, and it was difficult to convince any of their representatives that it was in fact not the PDF I was looking for.

Anyone got any tips? Seen this? Dealt with it? Made a claim under similar circumstances? If so, how’d it go?

Was involved in a 3 car crash. Mine was in the front and was stopped at red light. Car 3 hit car 2 that hit my car in the back.

My car and car 3 has progressive car insurance while car 2 has state farm.

Progressive is saying that car 3 insurance is not sufficient to cover car 2 so we will need to use our cover and we don’t have to pay for the deductible.

We agreed but friends are saying it is a wrong move. We should push progressive to not use our insurance since in future that may impact our discounts if we move to some other insurance company.

Is that true and if yes, can I still call progressive and fight for not using our insurance. Please help it’s urgent.

I inadvertently caused some water damage to an apartment below mine. I have Liberty Mutual insurance and would like to inform them about a likely claim in advance of my neighbors sending along proof, as they are quite rude, difficult to deal with, and I would like the insurance agent to handle as much as possible. Can’t find that option on the app or in the LM webpage—is there any option to do this? Just calling their hotline number?

Thanks in advance.

So I got into a High Risk list (cancellation, no payment). The rate that I have right now, I can't pay, so hopefully can just get by on public transit. Would the rate go back to where it was in 2.5-3 years?

I just took the c12 and passed. I actually did pretty well but when I did the exam I really didn't know how I made it through. That course haunted me. There's so much to memorize. I understand that memeroize is part of all courses but is c14 like c12? I could grasp concepts pretty well but if I need to memorize a lot of details I struggle a lot.

How did you guys find the c14 (auto) compared to c12 (personal property). I'll probably enroll by Monday. Course starts next Wednesday.

Received a letter today stating my policy will be cancelled on June 3. Reason given is SF no longer offers insurance to my business classification. Policy has been in effect for 15 years with a single $5k burglary claim 10 years ago. I own a retail cigar shop, brick & mortar only. Guess I start shopping on Monday.

I recently switched to allstate and joined the drivewise program because of the sign up bonus. After 50 trips, I earned a $176 policy credit (almost half my monthly payment). This was extremely nice, but I'm struggling to figure out how to get another credit. Is it calculated each payment period? Share your experiences with Drivewise. I've seen others on Reddit criticize it for 'rasing rates' but I was told that drive wise will not increase your rate, only decrease.

Got in an accident a couple of weeks ago. Other driver’s insurance company has accepted responsibility.

Oregon is a finished value state. How do I go about determining diminished value and how do I make that claim? My insurance coming is not assisting.

I’m an Uber driver. I’ll not have the car back for a two months. I have a rental but using the rental is a problem as I cannot get the documentation for it Under needed. This includes the insurance in my name and registration.

How do I go about claiming lost wages? Again, my insurance company is not helping.

Thanks

Anyone currently or have any luck with living in another province and still selling under your RIBO ?

Currently have a remote WFH position and want to move to Alberta. Eventually will want to sell in both.

Is this a possibility ?

How far back they can do an audit to companies in CA? I got an email stating that they want to see my premium payroll from 2021-2022 again. What the hell? Is this legal? I thought they could do only up to 1 year after the end of the policy.

I'm in Bay Area, California and just got a non renewal for my roof's age. I'm not the original owner, but I have had periodic roof inspections in the last 11 years of living here and the roof is in good condition and as old as the home. There is nothing wrong with the roof.

Insurance asked for pictures and roof's age and then sent a non renewal after the policy expires in 2 months. I also asked Geico and was told they did not have any options for unknown reasons. I had a claim that was opened in 2016 (so, 8 years ago), but nothing since.

Now, I do back up to a state park (aka, a fire zone) and it would make sense that I'm denied for that reason, but roof? Am I going to be forced to replace my roof?

Hello, I have a situation and could use some advice. A previous job’s health insurance coverage has apparently remained active for over a year, and I just found out. I was told when I left that coverage would last a month after and then end. I left in April of 2023. In June of 2023 I noticed it was still being used by a hospital and a doctor’s office. I reached out to the HR department at my old job and told them it was still active, they said they would remove me. I also reached out to all services that may use it to bill and asked them to remove my old insert from their records and to add my new insurance from my current job. I thought that was the end of it.

Fast forward to yesterday. I get a statement in the mail from my old job’s health insurance saying they covered something for me last month, despite everything that transpired last year to make sure I was off them. What the heck do I do to make this stop? Thank you for the help.

I am from New York, I currently have state farm and I got into an accident where the other driver was on a left lane turn only, while I was on a left turn or go straight lane. As I was making the left (as I was allowed to) the other driver instead of turning left, as he was required to do, drove straight into me, causing damage to my driver side door, and I ended up getting a back injury.

I took pictures of both cars and submitted it to state farm. I tried to get a police report done the day of the accident because I know 100% that it was not my fault at all and I wanted evidence of this to give to my insurance company, However, I waited nearly three hours for officers to show up and they never did and as we know New York officers no longer show up, even though i told them i was injured.

Fast forward to a letter I received from State farm. They took my claim to Arbitration against the other driver's insurance, Geico, and arbitration awarded neither party. Which means that neither my insurance was able to recover anything from Geico and vice versa. For that reason, they refused to return my deductible. Now of course I lost braincells from this decision because there is absolutely no way that after everything I provided, I was still not awarded in full. I absolutely disagree with this ridiculous decision and I want to know what I can do next. I saw a link that I can report insurance to New York department of finance but I feel like that will do nothing.

I also want to know if you were in a similar situation, what will happen to my insurance? What will happen to accident history? Will my rates rise up? Will I be paying to fix the other guy's car? Does that in anyway affect my personal injury suit against the other driver?

​

Hi, I had surgery to widen my nasal passage last January 2023. I was told by my doctor that insurance would cover this surgery since it was medically necessary. I had the surgery and paid the hospital fees and thought that was it. Today, I received a bill from my surgeon/ENT office saying I owe 8k and insurance only covered 2k. I immediately panic and look through my insurance claims - which there was an EOB sent out to me May 2023, that stated a charge of 6k for the surgery was denied to being “experimental.” There was no experimental component to my surgery so I think I would have won the appeal if I was aware. I had no idea this happened and thought my medical receptionist would have told me about this. I am definitely passed the deadline of 180 days and really don’t know what to do - this is my first time seeing this bill almost a year later.

I know I’m at fault for missing the EOB when it was sent out after my surgery, but I don’t think I can pay the 8k now. Any advice would be helpful

Someone I know accidentally made an incorrect insurance claim regarding shoes. They were told by their doctor to get certain shoes for their hammer toe (wide shoes). They thought they could claim it under a certain thing (I forget what) they did and then after realized they couldn’t. They have emailed the insurance company to cancel and will be calling Monday morning when they open. This happened today and it seems the claim went through but not paid out yet. But they are very stressed they will be charged with insurance fraud and be fired from their job because of this. They genuinely didn’t know and misunderstood.

What is going to happen and should they be as stressed.

Hello everyone!

I've recently turned 20 and am considering a career in the insurance industry. I've found that I really enjoy interacting with people and offering help wherever I can. As I prepare to embark on this journey, I'd like to understand more about the common challenges that people face when dealing with insurance companies.

What are some issues you encounter regularly with your insurance? Some examples I've heard include long hold times, overly detailed documentation (like a 200-page document I received from HealthNet), and extensive back-and-forth communication.

Thank you for your help and reading! I really appreciate it!

I have a engineering background, but I discovered that sitting behind a screen for 12 hours a day with 0 to little human interaction sucks. I also worked as an insurance agent in a brokerage firm (in Southern California) and I enjoyed it!

This week I royally fucked up. I was at fault in a fender bender with a nice car. I only have the California minimum (15/30/5) because when I got my insurance, I had asked my parents for advice and that was what was suggested, as I drive a old car that isn’t worth much. Feeling like a complete idiot for not doing my own research…

Anyway, I am guessing my car is totaled and I have no insurance to cover it so I will be going without a car. As for theirs I’m unsure of the damage but I’m 100% sure it will be over the $5k cap Geico will pay out. Thank god there were no injuries but I’m wondering what next steps will be for me? Say their car is determined totaled, will I be on the hook for the total cost of their new car + rental car prices? I understand I will need to pay up and this is what happens when you don’t have good insurance but is it possible if I can pay the excess in a lump sum their insurance may lower the total cost? Or if a release of claims is signed?

I will be upping my limits if I ever get a car again.

My wife and 3 small children where involved in a accident 3 weeks ago. They were rear ended by a giant box truck following to close. My children are 6 weeks old, 2 years old and 7 years old. The Explorer ST she was driving was totaled. My wife is now suffering from PTSD, she will no admit it but she now will not drive with the kids and anytime I’m driving and we pass a semi or large truck she holds her head and I can tell she’s freaked out. My 7 year old has Down syndrome and Autism, she is also non verbal. She used to absolutely love car rides. Now she is nearly impossible to get into the car and when she is she just cry’s and freaks out the entire time. I might add she was in the 3rd row and when the lift gate caved in it was inches from hitting her. Everyone walked alway without a scratch thank god. I was raised old fashioned, as in get up and scrap it off. It’s hard for me to tell my wife and kids to scrap it off. I’ve tried talking to my wife about going to some sort of therapy but she insists she’s okay even though I can very much tell she isn’t. My 7 year old on the other hand is non verbal. She can’t tell my why she’s upset or why she now refuses to get into the car. Is it the accident is it because she’s in a rental car she’s unfamiliar with or both. Like my wife I don’t really no what counseling will do for a 7 year old with downs will it just make it worse? There isn’t even a specialist in my area that deals with this kind of situation so I’m thrown for a loop. I have contacted an attorney but I feel they are very pushy and are only seeing $$ signs instead of helping me get my family better. I have never sued anyone in my entire life, but I’m not scared to start now. There insurance company has been great so far rental from the start and no hassle. They hired a 3rd party company for an appraisal on my wife’s vehicle and came back at $36000. NADA says it’s worth 40k. I haven’t responded to there email because I received it late Friday. My question is what is a fair settlement amount for pain and suffering? Like I said I have contacted a attorney and they act like there’s a lot of money on the table but I really don’t wanna go through the long drawn out process just for the attorney to take 60% and all the time it will take. We just want this to be over with so we can move on.

Recently had a car crash and reported the accident. The insurance is processing my claim but I have no other information. Most likely due to the weekend.

Looks like I will be out of commission for a bit due to injury due to crash.

I have a full-time job and multiple PRN (as needed) jobs.

Will all of my income be included when I get work loss benefits or just my Full time? My as-needed jobs sometimes give me a lot of work and sometimes not so much. It fluctuates a lot.

​

Hi all, I feel extremely stupid, but while clearing out my garage to do some spring cleaning today, I accidentally bumped into my car with a ladder. There isn’t any paint damage, but it left a dent on my trunk door. Feel free to click on my profile to see picture of the damage.

Would this be covered under my comprehensive coverage? I was not operating the vehicle when the damage occurred.

Any help would be greatly appreciated! Trying to decide if it is worth filing a claim.

Hi folks so long story short i was insured with aviva for the last whole year and i don't know the insurance will auto renewed(it's my first year buying insurance and i didn't get any mail or email notification, probably my landlord accidently threw them out ). I bought another insurance with TD on the expiration date of Aviva. I just notice today Aviva charged me again which means i was double insured for a week. May i ask if i'm able to get that money back without paying penalty fee? I know i should call them directly but i have to wait for next business day and i don't want them play me. Thank you so much for some advices.