I own a small tutoring center that’s subscription based - people pay a monthly fee to attend the center. I am seeing cancellations related to Coronavirus and want to know what I can do to protect myself via insurance should it reach catastrophic levels. Any ideas?
EDIT: TLDR seems to be I’m SOL, best case is if there’s an enforced quarantine, but even then would need covered loss on premises. I really appreciate the insight from everyone on the sub.
This article sums it up pretty well but I'd also like to share my personal experience. A little background information: I'm 21 and due to not having dental insurance haven't seen a dentist since I was 19. My teeth are in pretty good shape and I have no major pain / visible issues. I only wanted to see a dentist due to the amount of time it's been and paranoia that I may need dental work due to this. I went to Aspen Dental because they offered a free exam and advertised $80 cleanings.
They got me checked in and after a short wait took some X-Rays of my teeth. I waited for a bit more and they got me in the chair where a dental hygienist reviewed my X-Rays and looked in my mouth briefly. When I say briefly I mean she examined my mouth and X-Rays for less than 2 minutes. I'm not a professional but it seems l... keep reading on reddit ➡
Okay so sticky situation my boss backed out of his spot as I was driving past him didn't see him at all he t boned me and claims it was my fault because I was "speeding" even though the Damage is done to the side of my car. Damage
How thorough of a body check up am I required to get before buying life insurance? Does it depend on the company or are there universal requirements across the different companies?
I am 21 years old and my parents are putting pressure on me to join their family life insurance plan. The agent said I just needed a basic body check and I could pass on the breast exam, which I did. I am asymptomatic and have no family history of breast diseases (my mom is ~50 years old and has regular check ups with her OB/GYN).
I have several questions:
I was then told to call my insurance company, to which they replied that I would have to pay MY deductible for damages. And that, in the mean time, they would try to retrieve the funds from this driver. If failed, small claims court.
If this is true, what's the purpose of paying insurance, if at fault driver's just get a slap on the wrist?
EDIT: Thank you all for taking the time to inform me of my options. After reading the replies, $1000 does not seem like a high price compared to the headache it would be to go to court.
Thank you all again.
I just sold a motorcycle and went to remove it from my insurance policy. However, I realized that upon removing it my premium actually increases due to me losing my multi vehicle discount. Am I legally required to remove the bike from my policy, or could I just drop the actual vehicle coverage as low as possible and leave it on my policy to save money? I’m not sure if it makes any difference, but I’ve already informed the DMV of the sale through releasing the liability on my end. Thanks in advance!
I was at a car wash recently when the car wash door closed down on my car. It's a long story but at the end of the day, I got some scratches on the hood and front bumper of my 2018 Volvo. I filed a claim with the car wash company and their insurance company contacted me. They basically said that there was no question about liability and all they want to know is how much it will cost to repair.
I went to the bodyshop at my local Volvo dealer and they gave me a quote (~$2000) which I forwarded to the insurance company. The agent proceeded to tell me to proceed with the repairs and they will get in touch with the bodyshop to figure out invoicing.
A few things I wanted to know.
My husband and I are under contract for our first home. The closing date is this Friday. As part of our negotiations, we asked the sellers to reduce the selling price because the roof is 25 years old and needs to be replaced due to age normal wear and year. Instead, they agreed to pay our closing costs which is about the same as the two quotes we got for a new roof. (I realize this isn't ideal for us, the buyers, but the sellers told us to take this deal or walk away. We are in a sellers' market and we already had to get in a bidding war and offer above listing price in order to get under contract).
Yesterday our realtor emailed us and said the sellers' home insurance State Farm scheduled a roof inspection for March 4. I asked her why they would do that if they won't own the house by then. She said she doesn't know but that we should let them inspect the house anyway because maybe they will replace the roof on the seller's behalf. This makes zero sense to me. I'm curious what you all... keep reading on reddit ➡
My workplace says that if I want to bring my dog to work, I have to carry at least 1 million in insurance for any damage or bites. How do I get that? Who provides dog damage insurance?
I deal with insurance companies for a living. Adjusters often deny or delay benefits. For instance, I just had a Medpay adjuster try to delay benefits because the medical bills didn’t have CPT codes. I demanded the policy, which my client has an absolute right to have since it’s his own damn policy, and the adjuster just paid the benefits instead. I figured there wasn’t anything in the policy requiring CPT codes so I pushed back and the adjuster immediately caved.
Always ask for your policy, which is a written contract. That defines your and your insurer’s rights and obligations. It says when you’re entitled to benefits and what hoops you have to jump through to get them.
Edit: I've seen many folks mention the same thing so I'll address some of it here.
(1) Before I went to sleep a guy told me to clarify a particular point and I should have. Sorry. My example about CPT codes is for Medpay, which can also be known as PIP, which is a no-fault coverage for bodily injuries that you or... keep reading on reddit ➡
I recently bought a home and I got insurance (paid it upfront in escrow.) I've had this policy for a month and half and I received a letter from them last week saying it's being cancelled due to "The deductible for your policy is below our minimum requirement." A couple days later they mailed me a refund check for the remainder of the years premium.
When I bought the insurance they offered my the range of deductibles and I simply picked one. They say the only way to keep my policy is to increase my deductible to $2500 (now $1000) or get car insurance through them for $85 a month (paying $40 now).
I will be shopping around but I was wondering if this was common? Is there anything I can do about this? And will it go on my insurance record that I was cancelled?
*EDIT: I did not buy car insurance through them, I read my policy thoroughly and it is only covering my house. I never made it seem like I "might" end up getting car insurance through them, off the bat I was not interested in... keep reading on reddit ➡
What kind of insurance plans do I need if I travel from Canada/U.S to any other country? Is there a special insurance needed to cover me if I get the coronavirus?
Would really appreciate your help. My flight is in three days! LOL
I am located in Ontario, Canada. Basically did a verbal contract on the phone and I verified the price with the broker. Now the paperwork's says a different price. What can I do?
Hey all, my wife passed the interview for a sales/management position at American Income Life insurance company.
This place seems a little fishy to me. The first round of interviews got everyone excited by saying they can start making ~1500 per week after a 13 week training session.
This also requires my wife to pay 500 for a insurance sales certificate course.
Is this BS or is this just how the insurance industry works?
I'm a travel agent. I live and die by people trusting me to plan their dream vavations. My company always offers to insure vacations for a modest fee but most people click through thinking they'll never need to cancel.
For whatever reason I'm particularly known in my town for organizing trips to a certain region of the world that recently had a spoke in Coronavirus / COVID19 cases.
Unsurprisingly a bunch of folks have called me up asking for refunds. I've gladly refunded all those who paid for the insurance but told everyone else they're out of luck since their flights and accomodations are still usable. (Obviously if flights get cancelled it's a different story)
I thought this would be straightforwars but I've been repeatedly accosted on the street by people telling me I'm greedy and trying to either take their money or get their families sick. I didnt think I did anything wrong — it's what they agreed to when they paid for the trips — but after hearing from practically half the... keep reading on reddit ➡
I was kicked off my insurance plan this past year for too many accidents. 2 myself and one from a refugee I was helping who had a car in my name. Lost the car/home discount which made my home insurance go up $50/month and had to get a plan with Allstate (they had the best deal) for my car which was $330/month full coverage so I paid off my car and now have basic insurance for $220/month. Other than being a better driver, is there anything else I should do?
My apologies about the lack of details, everything I'm sharing is third-hand or email information. I'm trying to get more information about what exactly happened, but my family member is not close with her neighbors and there may be more questions than answers at this point.
One of my family members recently experienced flood damage when a neighbor's main burst (located on the hill above my family member's house) and sent a cascade of mud and water through FM's house, FM's garage, and across one of FM's driveways.
FM's insurance is refusing to cover the damage because the source was outside the house.
Is FM's recourse to sue the neighbor or to escalate the claim to a supervisor?
Update: FM's insurance has changed its mind and will cover damages. I didn't ask, but she might be covered by Mercurial Insurance.
For the last 2 days, I was suffering from really severe abdominal pain. Unfortunately, it got to the point of unbearable at 4 AM, so my only options were to either tough it out with some Tylenol until urgent care opened in the morning, or go to the ER. Given how expensive the ER was, I really, really didn’t want to go if I didn’t have to. I looked up health crisis line online, and found that some insurance companies offered free ones for customers. Sure enough, mine did. I gave them a call, was transferred to an NP, and relayed my symptoms. As soon as I mentioned the constant pain was in my right lower quadrant and was really severe, she told me it was best I seek treatment within the hour, meaning the ER. Went there, had a CT done, and then had surgery to remove my appendix since it was massively inflamed.
TL:DR Check with your health line if you need a professional recommendation to seek treatment late at night.
Edit: This is for the United States specifically
Edit 2: Thanks so mu... keep reading on reddit ➡
I was involved in an accident a couple of months ago. It wasn't my fault, the other driver got the ticket. I opened a claim with the driver's policy (same insurance as mine, Infinity) and I got my report summary back today. It says:
- Adjusted Vehicle Value: $6,410
- Vehicular Tax (6.78%): $434.60
- 40% Liability: -$2,737.84
- Total: $4,106.76
A few notes:
- My policy only has the minimum required in Florida, so no collision :(
- When my insurance asked me (over the phone) where was the car, I told them it was towed away. I had to pay for that when the police called the towing company. However, once the adjuster realized the other person's insurance was the same company, they asked me to go there and move my car to a friend's house or somewhere else, otherwise the tow company would be charging daily for that. Did I have to do that? In any case, I did it, and the total bill was ~$450.
- I was injured in the accident (minor stuffs, due to the airbag deplo... keep reading on reddit ➡
I've been dealing with continuous Cigna billing errors for almost a year now. It's for out-of-network services so they've been paying out the claims directly to me. Dates of service are from February and March 2019.
On April 27, 2019 they paid me $659 for 4 dates of service, one of which was a duplicate. I called them to let them know that they overpaid me for one date, at an amount of $164. Instead of correcting the error or asking me for a refund, on May 7th 2019 (after I'd filed 3 more claims) they sent me a check for $1,153 for all 4 dates of service on the original check (including the duplicate), PLUS the 3 additional ones I'd filed for. Now they'd paid me for 3 dates twice and one date 3 times, and the other 3 new dates of service were included in the same check. Naturally I didn't cash the check - I voided it and called them to resolve the issue.
I spent at least 2 hours on the phone with Cigna customer service over the next couple weeks attempting to explain the billing erro... keep reading on reddit ➡
This post changed late last week from a bounty of deductive evidence that the relationship is over to two simple screenshots, as Kelly directly contacted me out of the blue and said that whatever arrangement and/or engagement that existed is over. The ask in return was that I would stop investigating as she is preparing for another surgery. That's a very fair request. She could not have known she was being used for health insurance and as a slush fund.
Therefore I accept her ask. This will be my last post about Kelly on the understanding that the relationship is over. THE ONLY TWO SCREENSHOTS THAT MATTER:
Our conversation obviously was longer than this. There is a proverbial boatload of additional direct and indirect evidence of Wings lying to Kelly, to his family, and to his fans/detractors. However, because the evidence ties so intimately to Kelly it does not have enough pro... keep reading on reddit ➡
My wife and I went to see the dentist for a routine cleaning and xrays 2 weeks ago. We were told that everything was covered by insurance but the fluoride, which was $20 each if we wanted it. We said we did, and paid for it at the end of our visit.Today, we logged into our Health Equity Account and see two $500 unpaid balances from the dentist. Flabbergasted, we look and see that it was originally $1200, down to $700 for the in-network discount, and insurance paid $200. We're stuck with the rest. First, this seems insane for a cleaning and x-ray. Second, this is not what they told us.
What do we do here, and how do I prevent this from happening again? This has already happened once with a doctors visit, they said it was covered by insurance but I got stuck with a bill, it was just small enough that I paid it and moved on instead of fighting it. I'm new to having heath insurance and not sure how to navigate these things.
Edited for more info: pulled coverage, both in and out of netw... keep reading on reddit ➡
Any feedback on how this insurance company handles a car accident?
The insurance co is stating that I ONLY have a soft tissue injury. No broken bones, so........
On 1/18 i was injured & Progressive states i should be ALL BETTER by 3/13/2020.
Company wants me to settle today & they will pay past medical, salvaged my car(small payout), plus $2,500 for my inconveniences.
Was rear ended:
CURRENT medical bills $6,700
Still under Chiropractor care.
Progressive rep is stating that $2,500 is super aggressive offer
& if I do not take this offer today the offer tomorrow could go down (most likely) or be zero after the medical records are reviewed. Very odd that they can understand my damage without reading the reports or reviewing the photos. Keep in mind my beautiful car was totaled
Feel like I am Being BULLIED
Do not have an attorney
Advice on this matter appreciated.
Location: San Francisco, California.
Age; 27, male.
I've been disabled for way over a year now with a severe neurological sleep and epilepsy disorder. I've failed all conventional treatments/medications and I'm onto clinical trials. I have a complete driving restriction. I made the hard choice to finally sell my car.
Note: The sleep doctor reported it to the DMV but since I haven't been driving and 100% complaint with treatment the DMV hasn't taken any action. I have no idea if this shows up on my record to insurance companies.
Should I cancel my car insurance or go down to a non owners policy?
How much will rates go up if I have a long period of no insurance?
My current liability only rate (excluding the car) right now is $80/mo for $300k. Non owner policy won't reduce this rate at all. State minimum is $45/mo on a non owner policy.
Does it make sense to drop down to $45/mo?
If I ever recover and am allowed to drive again, will I have to disclose the sleep dis... keep reading on reddit ➡
I live in SoCal. It's $129 year with 15% deductible to cover...
In October 2019, I was involved in a minor fender bender while parked on the street in San Francisco. I was sitting in the car (legal parking space) and the car behind me hit my bumper while parking. Not a huge deal, but scratched and dented my car nonetheless.
We exchanged insurance, driver's license, and contact info. I contacted their insurance company (AAA) to file the claim and everything.
AAA responds and at first, denies me because their insured would not respond to the requests of AAA. After complaining to the claim adjuster's supervisor, they call me back and say "yes, we accept liability based on the evidence you have provided." No less than 2 hours later, the supervisor calls me back and says "my boss says we can't accept liability because the evidence you provided only proves the insured was at the scene, and not that they're at fault. And because we could not contact the insured, we cannot accept liability."
How is it my fault that AAA can't contact their own insured... keep reading on reddit ➡
I own a small (just myself-1 employee) mobile auto detailing business. I have had garage keepers in the past and recently read that there is a stipulation in that type of policy which doesnt cover damage cause by buffing/polishing (in the event that I burn through a cars clearcoat). This is my biggest concern in regards to possible damage, and while it has not occurred in almost 10 years of doing this it is my biggest reason for having insurance in the first place. Is there any truth to this and on a side note what is the recommended coverage that I should carry. 90% of the vehicles I perform work on are less than $100k with the exception of a couple which are close to 200k value. Thanks for your replies!
This is my first time getting my own insurance, previously been on my parents', I have also moved out of state from them. I drive a 2012 Ford Focus and have 1 speeding ticket from 14 months ago.
My progressive quote for liability: 281 for 6mo
My Geico quote for liability: 416 for 6mo
Other companies have been closer to Geico
Should I be worried about progressive being low qualilty/difficult to work with/ hidden fees?
Why is it so low?
I got into a accident in January and cancelled my insurance because the claim had settled. Today I found out Statefarm charged me for insurance even though I went and got my account suspended last week. Can I get my money back or is this normal?
I have a rare type of recurring cancer that is terminal. It will (and has) affected my judgement and decision making skills so I’d like to address some things while I’m still sound of mind. My wife does work at a decent job in the medical field full time. I’m just worried about medical bills, funeral costs etc
Edit: thank you everyone for all the replies! I'm going to talk to an estate lawyer some time in the next month!
Edit : I'm 29 years old and I live in MA
Title pretty much says it all, but here are details: Window switches failed big time and melted the main wiring harness of my 2008 Miata. The dealer says Mazda no longer makes the harness, there are no aftermarket options and there are none available even though salvage. They are recommending filing with my auto insurance. I'm afraid that they'll total out my sweet little car due to lack of parts. How does this work from an insurance perspective?
For your auto and home insurance. Are they able to get you a better deal then going to the carrier directly?
Edit: Thanks everyone.
I have had an international driver's license since May 2019, and I switched it to my state's in November 2019. The car I am looking for costs around $13k, a Toyota Camry XLE from 2014 with 90k miles on it. I got my quote for $300/month (billed every 6 months) for full coverage. It was more expensive than I had expected, so I am a little bummed. I am contacting other companies as well, but could someone tell me whether this is an appropriate amount?
Got a bit of a dilemma. Appreciate any and all assistance.
Recently, neighbor above mine had a fire, which caused sprinklers to spray enough water to floor all units from his floor all the way to the first. At least 10 units were affected.
Condo management is replacing drywall, floors, doors, etc. They said that their insurance would take care of all that. No money out of my pocket.
My own insurance said they can cover my living expenses and personal property damage (which, thankfully, is minimal). However, my adjuster said that I'd have to pay a deductible after it's all said and done, and then my rates would increase afterwards. He said I can avoid this if I can file a claim with the responsible party's insurance.
I tried contacting the responsible party today and was basically told to go pound sand. I called my adjuster, who said that without the responsible party's insurance info, there's nothing I can do.
Another neighbor who was affected managed to get the insurance company... keep reading on reddit ➡
Long story short my kid left the sink running in the morning and for whatever reason the sink didn’t drain efficiently leading to it overflowing and flooding the rest of the house. Obviously the bathroom sustained the most damage but aside from that most of the water settled in our bedrooms, and dining/kitchen area and sat in water for a min of 8 hours. In a panic and listening to friends and family he hired an adjuster that same night and they got ppl out there in the night drying up the water.
It’s been over 90days and the insurance company has offered us about 6k. The adjuster wants us to go to court. The insurance company is saying that they asked for photos that were time stamped and pics of the kitchen showing that it was damaged. I know they received pics of the but I’m not sure it it had a date stamped on the pics themselves. I’m not sure what to send them at this point in time in regards to the kitchen... the base boards were pulled out and removed that night. The water that... keep reading on reddit ➡
So I was rear-ended at the end of January and had to get my car towed to a mechanic. the mechanic did the regular panel beat and called out to come to get my car last week. So I go down there and the gears won't shift into drive. I inform the mechanic and they suggest to leave the car.
At this stage, I've just been informed by my mechanic that the gearbox has been hit by something in a previous accident and repaired incorrectly and my accident has caused that to destroy the gearbox as it was sitting where it shouldn't have been. (The report states loose bolts, no nuts etc)
I'm at a loss now, I'm about to call my insurance to figure out what happens next, but I'm worried that they won't cover this new gearbox as it technically wasn't damaged due to the accident I had.
If this is the case, what are my options here?
I'm almost certain I may have a warranty with the dealership who sold me the car - my fiance is literally out now at the mechanic to pick up all the paperwork I left
The high cost of repairing sensor-packed vehicles outpaces the savings from fewer crashes.
American car insurance rates are going up up up. In the last decade, they climbed 29.6 percent to an average of $1,548 in 2019 from $1,194 in 2011. The surge, detailed in a new report from insurance shopping site The Zebra, outpaced both inflation (by far) and the increase in average car prices (more narrowly). And it came even as the rate of crashes has fallen year over year.
Aggrieved drivers have plenty of directions to point their fingers. Vehicle theft is on the rise, and extreme weather fueled by climate change can destroy swaths of vehicles in short order. Hurricane Harvey wrecked up to 1 million cars in the Houston area in 2017. And while crash rates have dropped, they’ve been buoyed by increasing urbanization and a strong economy, which put more drivers—many of them distracted by smartphones—in tighter spaces.
A more surprising, counterintuitive culprit isn’t the wider world or the pe... keep reading on reddit ➡
Hi, so my boyfriend and I are new homeowners as of two weeks ago. During the arduous 7 months it took to close on the house, the four different inspections and assessments we got did not say the roof needed to be replaced immediately. Now, our home owners insurance is saying if we do not get the roof replaced by the first week of April, they will drop us.
The problem is, we live in upstate New York and the weather has been freezing to below freezing temperatures. It often lasts below 40 degrees through March. We’ve called dozens of roofers and all of them said they haven’t been able to redo the roof until late April to May, when they can be sure the temperatures will be good to work in.
The insurance company says this is no good, even when we explain that we have no control over the roofers work preferences. Looking for advice on how to proceed.
Edit to include more info: We have a mortgage!
Just like the title says my auto insurance has tripled to $625.00 per month and I have no idea what to do, because I can't afford it. I will give the break down of why I assume this occurred.
My life has been a little insane since Dec 2017. Prior to Dec 12 2017 - No accidents or tickets for over 12 years. Here is a break down of incidents all from the same vehicle.
Dec 12th, 2017 - I was rear ended, being the first car in a 4 car pile up - No fault
January 29th, 2018 - I rear ended someone when I hit a patch of gravel at low speed - At fault
January 29th 2018, - I received a improper use of or defective equipment violation due to the above accident
February 27th 2018, - I received a improper use of or defective equipment violation
June 19th, 2018 - I was caught in a hail storm - No fault
July 31st, 2019 - I rear ended someone. This totaled my vehicle with little damage to the other vehicle and occupant.
***also noted that both my now ex wife and son were involved in acc... keep reading on reddit ➡
I can find that 13% of drivers are uninsured, but are there statistics about what percentage of drivers nationwide have only the bare minimum?
45 yo, single guy from Illinois here. I’ve a long history of depression with a broad range of DSM diagnoses over the last 20 years, ranging from Cyclothymia to Major Depressive Disorder.
I am guessing anyone kind enough to reply will need more information than the above, but can any history of mental illness on your medical record be a non-starter for purchasing a level of life insurance that requires medical screening?
I know using your medical insurance for some addiction services can blackball your chances of life insurance, but wasn’t sure about other flags on one’s medical history that could prevent securing decent life insurance.
Thanks for any insight.
So my apple care ended and looking for a good insurance company that covers iPhones xs Max with monthly payments and a low deductible if available that covers everything from broken phone to if someone steals it. Thank you
23 years old and I just went no contact with my dad. I got my health insurance through my dads job and I won't be able to get my own until next year. Can he just kick me off whenever since we are now estranged?