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Insurance companies are constantly reviewing us. Are we too old? Do we live in the wrong place? Is our credit score high enough? Well, now it's time to turn the tables. Do you charge too much? Will you pay my claim quickly? Is your coverage worse than it seems? We can review you too.
Aetna - Question for those getting insurance through Marketplace
I live in Texas and have seen the reports about BCBS. I have Aetna insurance, purchased through Marketplace, and today I found out that my primary care provider, physical therapy, and pain management specialist are no longer in-network although they were a week ago. My PCP did not even know that the contract with Aetna was no longer valid - she found out while trying to set up a referral for me. Is this a fluke or is something bigger going on with Marketplace insurance?
State Farm - Body shop overcharging, insurance doesn’t want to cover all of it? (Total loss)
Taken place in TX with State Farm. Got rear ended. Driver claimed liability. Car is a total loss. Body shop is asking for $2100 and insurance is only willing to cover $1400 and the rest out of pocket. I don’t want to pay out of pocket or through my car settlement, how can I get them to cover the whole amount? I had a rental car for a few days up until I was notified my car was a total loss and insurance doesn’t cover for it after that so I returned it. Am I also able to get reimbursed for transportation i.e rental car or uber?
Direct Insurance - Advice in auto insurance for a non-driver
Here is my scenario:
My mother owns a car that she would like to have my daughter drive for school high school. The car had been parked and was on a non-op status, and the car insurance was canceled. The car has been re-registered and is ready to go once we have the insurance question settled. My mother does not drive anymore and did not renew her drivers license the last time it came up for renewal. We called the insurance company to reactivate her policy, Direct Insurance, and were told that she cannot get a policy because she does not have a valid drivers license.
After doing some research, I think these are my options, and I want to get some feedback:
1. Find a company that will write a policy where the owner of the vehicle is not licensed. Does anyone know of a company that does this?
2. My mother has a living trust that many of her assets are in, but not her car. Would it make sense to transfer the car into the trust, or am I still faced with exact the same problem?
The final solution is for me to simply buy my mother‘s car. We are both a little hesitant to do this because my brother also drives it on occasion and she wants to make sure that it is still available for him. If I purchased it, I would still make sure it is available to him, but now I would need to make sure that my brother was on the insurance as an occasional driver. I suspect this will end up being the simplest course of action, but I wanted to make sure that there wasn’t something else I am overlooking.
TIA!
Edit: the car would be insured in California.
Blue Cross Blue Shield Florida - Moving & Pregnant SOs
In two months, my husband and I are moving states and I will be 22 weeks pregnant. I am a teacher thus I will not start until August. Lapsing and insurance is stressing me out and giving me a lot of anxiety that I don’t need for the first trimester
Please share any and all advice/ a step by step on what we should do in terms of health insurance, finding an OB, etc. currently on BCBS Florida blue through the school system, I work in.
her insurance - Rear ended at a stop light in California
Good morning,
So on my way to work I got rear ended at a traffic light and me and the girl who rear ended me pulled over. She apologized profusely saying she assumed I was going to run a red light. We exchanged insurance info and number. She then started texting me begging to not go through the insurance for this and that reason and that she’ll pay me $500 out of pocket if we don’t go through the insurance. I refused and went through the correct route of reporting it to her insurance… but after a couple weeks of waiting, they denied my claim reasoning that I made an unsafe lane change which I didn’t. I did swap lane from left to right and as I was merging the light turned yellow and I eased in on the break to a stop… she assumed I will run the red light which caused the crash. She hit me on the rear end and most of the damage is in the left side of my car… I showed their insurer the texts exchange between me and her… I also reasoned that it’s untrue that I made an “unsafe” lane change because why would the damage to my car be on left side?
So I’m wondering what my options are? Thank you for listening!
Healthy Paws - Healthy Paws Deleting Comments re: Massive Premium Increases on Instagram
Healthy Paws Deleting Comments re: Massive Premium Increases on Instagram.
Trupanion - How to reinstate lapsed insurance (Trupanion)
My ex cancelled my elderly chihuahuas health insurance (the anger I’m feeling is palpable in other countries).
I have a 13yr old chihuahua Peanut 🐶He was covered by Trupanion for the last 6yrs or so until my ex let the insurance lapse last month without telling me. I tried to reinstate but Trupanion said I missed the 3 day period.
Peanut has lots of existing conditions (galloping heart, epilepsy, pre-kidney disease) that without reinstating Trupanion won’t be covered and someone even mentioned he may be uninsurable, like some places won’t even accept him at all.
I’m very panicked. Does anyone have any advice on getting a policy reinstated?
insurance company Y - accident covered by non-insurance company?
Two weeks ago, I got rear-ended by a commercial truck owned by a logistics company, X.
I originally filed the claim through their insurance company, Y (as listed on the driver information exchange).
A few days later, insurance company Y told me that company X would cover the accident and gave me a claim number with X.
I can only get in touch with X by email (which has very slow correspondence), and their phone line is always busy. After I sent them all the information they requested, the only response I got was that they are "reviewing" the case and will discuss it after that—without mentioning how long it will take. Since they are not an insurance company, I assume they don’t handle claims in the standard way.
Now it's been more than two weeks, and I still have no idea how they plan to address this.
Are there any legal requirements for how soon they need to respond and resolve the issue? (I do not want to go through my own insurance and pay out of pocket.)
What actions can I take to push them to make progress on this?
Any suggestions or advice would be greatly appreciated!!!!
his insurance company - Insured driver cant be found
Was in an accident 2 weeks ago, brand new (to me) car and havnt even made the first payment. the at fault driver had an expired "limited term" drivers license. after police report and information exchanged i have been given the runaround by his insurance claiming that they cannot reach him for a statement so they will deny and close the claim. is this even legal? do i need a lawyer like right now?
Thank you everyone for the replies, sounds like i was overthinking alot of this. proceeding with my insurance company to let them go after him or his insurance company and just have the car back.
Progressive - INSURANCE BILL HELP
Long story short. February 12th, Progressive sent me an email saying if I don’t pay the minimum that on the 28th they would cancel my insurance BUT on February 14, they sent an email saying that they had already canceled my policy on the 3rd…
They still want me to pay a full month’s bill for insurance I had for only 2 days. HECK NO.
I had been fighting a case to get money back for a certain reason & they assured me that everything would work out.
Apparently whoever was looking into my case, denied it (okay fine… sure) & then for some bizarre reason took it upon themselves to believe that because it was denied I wouldn’t want insurance anymore? So they canceled it themselves.
Yes, I was on the phone with them about 3hrs. They all said there’s nothing that can be done but that an agent shouldn’t have the power to cancel one’s policy.
If I don’t pay, it goes to collections.
So why did he?
How do I fight this? Please help.
Thank you in advance <3
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