I've seen a lot of posts all over social media condoning rioting and looting in the name of the cause...with the justification its not a big deal because they're covered by insurance, and financial damage doesn't matter in comparison to the broader issue of police injustice.
While property will of course never be as important as a life, the reality isn't really so simple.
It can be extremely difficult for small business owners to recover full damages from insurance. There is tons of paperwork, bureaucracy, and documentation involved...and often the insurance companies fight back on claims to reduce their liabilities. Sometimes owners don't have specific coverage policies that the damage/theft falls under, or theres some hidden exclusion. And given the current situation with so many businesses already struggling, most likely won't have adequate savings to ride it out until they're paid. This will be a death blow to many small businesses across America...along with the livelihoods of t... keep reading on reddit ➡
So some lady smashed her door at my Tesla.
Sentry Mode catched it on video and i was happy.
I provided the video to my insurance in good faith believing they will handle the case with the insurance of the other car (Car Plate was recorded, but number is blocked from public query)
Oh boy i was wrong.
They actually used it as reason to deny cover over the "parking damage" option i have (parking damages by unknown with no deductible ) and tell me i need to use my normal insurance with deductible because the "perpetrator" is known
They will not help me with finding out who it was so i will probably need to go to the police now.But my legal protection already said that my video could be inadmissible
TL;DR Do only provide sentry videos to proof innocence and not fault; lesson learned
Get the cash you need, without having to work, and you won't have a bankruptcy claim on your credit history.
edit- "The stories and information posted here are artistic works of fiction and falsehood. Only a fool would take anything posted here as fact." ------->
I'm sorry I just need to vent about this..
My school just sent out an email -in June-with information that definitely would have had a huge impact on teacher retention had they sent it sooner.
All raises will be withheld and the same insurance coverage is going to cost 300% more, but they will offer a new cheaper package with WAY less coverages. Not even adding a cost of living bonus (NYC based- obviously very expensive to live here).
They have this 40 hour policy where teachers need to log 40 hours of work outside of the usual work hours. 20 are fulfilled using parent teacher conferences, science fair, and other things all teachers need to go to. The other 20 need to be tutoring - which can only count towards the 20 if they fall outside of the work day (meaning on the weekend or after 445 on weekdays). They said now we only need to do the 20 tutoring hours... But teachers are obviously not excused from PTC and other events that were logged as hours. It just feels like such a fake... keep reading on reddit ➡
This doesn't even take into account the insane cost of college just to become a teacher now.
My insurance costs me $1,200 a month for 10 months. If I could waive the insurance my school would give me a full $12,000 for the year. That means the total cost of my insurance is a whopping $24,000 a year. I am not allowed to buy my own insurance and I can't go on my partners because they don't go to work.
I remember when I paid $750 a year.
It wasn't always like this. Newer teachers don't know how it used to be. This is the new normal.
It's outrageous. If teachers don't stand up for themselves it will only get worse.
Caller: I have had a terrible leak in the bathroom, it has ruined all our carpets, am I covered?
Employee: You do have that cover under your policy, I will send a loss adjuster out to see you as soon as possible.
Caller : Thank you.
Caller fails to hang up properly
Caller : Diedre, turn the taps on it is covered.
Like many others I lost my job and insurance due to the pandemic. I woke up with a abscess tooth and had no way to pay to go the urgent care. So I did a little research (after panicking) and learned about an app called K health. It is $20 the first time you use it to chat with a doctor online, and then they send in a prescription to your pharmacy. They automatically did a cheaper prescription and applied goodrx. I got antibiotics for $11 and picked them up about two hours later.
While this obviously isn't a long term solution it is SUPER useful if you are in a pinch like I was. They also do anxiety and depression medicine!
I realize this sounds like an ad but it definitely isn't, I was just do relieved and I thought it could help other people
I'm very agitated right now. I don't usually deal with insurance a lot and have to say i don't know a lot about it. I just watched a video explaining german taxes and insurances in which i heard about this for the first time.
Here in Germany it is mandatory to pay insurance directly from your salary, like health insurance, pension insurance, unemployment insurance and care insurance. Well, in the video i just watched i learned that everyone who is older than 23 and doesn't have children has to pay 0,25% more torwards the care insurance than usual
Now, those 0,25% are not the world. I doubt i will get poor from paying this and I'm not even 20 yet. So i guess i don't have to worry too much. For now.
I still think it's really stupid. It has really stupid reasoning. From googling it seems that the reason for this is to support parenthood, but... How does that do that?? It only puts a disadvantage on people without children and it seems honestly just really pointless to me.
Sorry for th... keep reading on reddit ➡
I changed my daily commute from 40 miles to 0 now that I am working from home and it reduced my bill by a third.
If I want to get my first house and am saving up, what are the advantages or disadvantages of getting a loan with >20% deposit in the current climate?
Is it always better to get in early with a smaller deposit (i.e. be opportunistic), or wait til you can buy something that you can avoid MLI?
So we were talking about car payments I told him my truck is 372 a month and my insurance for two cars is 129 with progressive and he goes to say his car payment is 400 which I was like okay that’s not bad and then he goes but he wants to get rid of the car because his insurance is so high at 472 a month?! How is that even possible?! (We live in Philadelphia)
“Thank you for your service”
I am not an anti-vaxxer, and I have autism spectrum disorder. I am mostly asking as a way to refute the common anti-vaxxer myth that doctors are being paid to push vaccines with malicious intent. Wouldn't the treatment of said preventable childhood diseases allow doctors to bill you and/or your insurance company way more than if they just gave your child vaccines?
TLDR: My insurance company denied my medication due to an error in their system and it put me in the hospital in a lot of pain. Do I have grounds to sue them?
I was diagnosed with Crohn's disease at 16 and have had many hospital visits since. In August of 2019 my intestines had a scar tissue build up requiring me to get emergency surgery to remove part of my small intestine and part of my colon.
I had been receiving Remicade infusions for my condition before this event but after a while my insurance company deemed it medically unnecessary. After the surgery they approved me again for an infusion while in the hospital. At this point I was in remission and the doctor said that with continued infusions I would be able to stay in remission. Then when it came time for my next infusion the insurance company denied it once again. (Also this medication cost around $43000 without insurance).
My doctor's office and my parents both tried many times over a 6 month span to get me my medicine. Ev... keep reading on reddit ➡
I currently have State Farm. After an accident in 2016 where the other driver was at fault (broke one of my windows/doors) and another accident in 2017 where I was at fault (totaled my car), I have had to deal with higher insurance rates. Since 2017 I have turned 25, which has lowered my insurance rate, and because the 2017 accident is now more than 3 years old, I'm no longer being charged an extra surcharge for my driving record by my car insurance.
With State Farm, my premium is around $950 every six months (policy renews in July). I just re-bought State Farm about 1.5 years ago after having dropped them for a year to switch to Geico, which was charging me about $700 every six months. I switched away from Geico when I realized that my coverage was, in fact, significantly worse with Geico - my mistake, I did not choose the right coverage options when I switched. When I compared the correct coverage between Geico and State Farm, the price was actually higher with Geico, which is why I... keep reading on reddit ➡
My bank only covers 10x the rent of the box. I’ve seen multiple banks get burned to the ground with these riots. But it’s also a good to know anyway.
Got my renewal quote from Admiral at an eye watering £2438... they managed to scrape £230 off it so I told them where to stick it.
Shopped around and managed to get cover for £1293.
Don’t feel you have to stick with a company. I quickly found out that customer loyalty means nothing.
Note: I do not want medical advice, just a moral judgment.
Now that that’s out of the way, I have exercise-induced asthma. At rest, I can breathe quite normally, but whenever I run, walk quickly, or climb stairs, I get really really out of breath. My parents never treated my breathing problems when I was a kid. I hadn’t been formally diagnosed but in high school it was so obvious that I was asthmatic. My mom would sign a note excusing me from gym because I couldn’t participate and the teacher would have me walk laps instead.
My mom’s one of those people who thinks you should never be on a certain medication regularly. For example, I have a migraine disorder that has been diagnosed, and she called me a drug addict (not as a joke, in a serious way) for taking Advil for it. Also when she called my grandmother she told her I was a drug addict or something along those lines. My doctor wanted me to take a stronger medication than Advil because Advil wasn’t working well enough, and my mom... keep reading on reddit ➡
My girlfriend and I had a new roof installed on our house, which was obviously long overdue. I was playing with my newest toy, my drone, and snapped thorough aerial pictures of the new roof while standing on the ground. My girlfriend submitted the pictures to the insurance company. A BIG surprise to the both of us, the verification of a quality roof caused a reduction in our insurance premium. I hope this helpful. I'm no insurance specialist but it worked for us. I hope it can help you. If you're in the Lake Charles area or New Orleans area and have a hard to access roof, I'll be happy to help. I enjoy flying and if it can help you save on insurance, definitely a Win/Win. Good luck!
A long time ago I dealt with some pet insurance complaints and an interesting death of a pet claim. This, to the best of my recollection, was the content of the letter I sent in response. Some details have been changed for anonymity purposes and the passage of time means others are a little hazy.
Dear Mrs Smith
Firstly, I would like to say how sorry I am to hear about the loss of Lucy. Please accept our condolences.
Following your call last week I have completed a full review of your file, including telephone calls, all paperwork submitted and the medical history provided by your veterinary surgery. I would like to point out that the medical history is a legal document and as such is required to be accurate by both the law and regulatory bodies.
I notice on the 1st of May you contacted us to query if you could claim the cost of Lucy’s purchase price if she died as the result of the medical condition. We confirmed that this was not the case and she was only covered through an acc... keep reading on reddit ➡
Edit: To be clear I have nothing against obese people and this is not my own judgement. I could give a fuck how they choose to live their lives. I just don’t understand how I’m “riskier” to insure as an occasional cigar smoker then someone who is morbidly obese.
This is our livelihood and they treat us like a number.
I got into an accident with Zipcar, and there was another car involved. The damage is above $1000 and I'm in CA, so I reported it to the DMV. However, DMV said I did not have a liability insurance coverage and my driving license will be suspended. Zipcar said the case will be handled by Sedgwick Claims Management Services. I reached out to them, and they said they have already paid to the other party. I also called DMV, and they said they need a "traditional" insurance company and Sedgwick didn't count. Have anyone met this issue before? How can I deal with it and cancel my suspension?
To clarify it is THEIR insurance it is going through. Who has been nagging us that it would be sooo much easier to use OURS. It is Erie insurance in PA btw. We said Hell no, it isn’t our fault and our deductible is high (very large house) and we don’t want our rates to go up for something that wasn’t our fault. Plumber was 100% okay with using his. Likely a faulty part but regardless he said we can claim it through his.
They were putting together our laundry room on the second floor and left. Hours later I got home and water was coming steadily out of my kitchen ceiling and into the basement. Restoration team aired it out but have to replace the kitchen ceiling and kitchen floor. It was spewing out the back of the valve behind the washer into the back of the washer. An adjustor is coming today to give us a better chance at a newer floor. We just had peel and stick down over old linoleum but now WE have to rip up the peel and stick ourselves because it is technically all dry the resto... keep reading on reddit ➡
When he gets his gun back and goes into raid with it, he won’t be able to hit anything. It’s also nearly impossible to notice the front sight post missing from the gun.
Due to the current situation of a lot of people being unemployed/underemployed, we're getting a lot a questions about Georgia's unemployment insurance and various situations related to claims and how/where to file. Please use this thread as a place to discuss.
Keep in mind that nothing on this thread should be taken as legal/financial advice without consulting a professional.
State Farm Mutual Returning $2 Billion Dividend to Auto Insurance Customers
On Average Most Customers Will See a 25% Policy Credit
>Customers do not need to take any action to receive this dividend, which will appear as a credit on their auto policy.
Great news for those of us State Farm customers!
When I first moved in to this apartment back in September of last year, I provided proof of renter's insurance through State Farm. They accepted it and I went on with my life. Today I went in to meet with my agent to make some changes to my policy to lower my premium. One of these changes affected my renter's insurance. I still have all of the minimum coverages required by my apartments, but when I turned in the updated policy, they refused to accept it stating that they don't take State Farm. They gave me a brochure for a provider they would accept but the difference in the premiums amounts to hundreds of dollars a year. Can they refuse a specific provider like that? If any, what is my recourse?
Edit: After discovering there is no clause in my lease that forbids a specific provider I brought it to their attention and told them they must accept my policy. They responded by saying they needed me to sign an amended version of my lease with the added clause "State Farm is NOT a valid pro... keep reading on reddit ➡