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I was involved in a hit & run accident about 3.5 years ago. I felt fine but I went to the doctor anyway to make sure everything was okay. I thought everything was fine and settled in terms of the insurance payment and such but a few weeks ago I received a letter from the "Calypso Subrogation Department". The letter says: "The letter is to request that you bring us up to date with regard to this matter. Please complete the form and return it in the envelope provided. If the claim has already settled, please provide the settlement date and contact us immediately to discuss resolution of the Plan's outstanding subrogation amount. Additionally, if there is/was first party medical coverage available for this accident and that coverage exhausted, would you kindly forward a payment ledger to us. The ledger should include the provider name, date of service, amount billed and amount paid. Thank you for your prompt attention with this matter. If you have any questions, please call us at the telephone number listed below." I have no idea what any of that means. Could someone please explain this to me and do I owe these guys money?
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Jun 27, 2014 09:46
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Busy Bee posted:I was involved in a hit & run accident about 3.5 years ago. I felt fine but I went to the doctor anyway to make sure everything was okay. I thought everything was fine and settled in terms of the insurance payment and such but a few weeks ago I received a letter from the "Calypso Subrogation Department". The letter says: Contact YOUR insurance company. If they are not part of YOUR insurance company I'd be very leery of sending out any information. If their name matches the stuff you received payment on then I'd reach out. Don't send ANYTHING to them until you know who they are and their relationship to your insurer
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Jun 30, 2014 22:00
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Just wanted to provide an update: State Farm faxed Progressive a letter and everything has been resolved. I just wish it would've taken less effort. 
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Jun 30, 2014 22:04
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Insurance company changed their policy so with the same coverage I'm paying an extra $360 a year. I've cut coverage down to the minimum amount I'd reasonably drive, but when I called and asked for an explanation, the CSR said that there'd be no change, that rates all across California rose. (Potentially due a law that tracks how long you've driven instead of flat age). Is this true, or was I tricked by a wily rep? My monthly rate is insane considering I only drive 2-3 times a week.
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Jul 1, 2014 23:10
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Golden Bee posted:Insurance company changed their policy so with the same coverage I'm paying an extra $360 a year. It doesn't matter how much you drive for most insurance companies.Its sad but true, for most companies if you drive once a week or 5 days a week, your rate is going to be the same. That is why some companies have introduced SmartRide or SnapShot to look at your driving habits to more accurately measure your driving. Otherwise its just "but I barely drive!!!" against the stats and the stats are going to win every time. As far as general rate increases, its possible. They happen all the time. An extra $360 is a lot though if you have a solid record. I'd shop around a bit if you're unhappy with your company. If your rates end up being close to what they are with your existing company then you know it wasn't a wily rep. Otherwise, change on over!
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Jul 2, 2014 01:37
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Jastiger posted:It doesn't matter how much you drive for most insurance companies.Its sad but true, for most companies if you drive once a week or 5 days a week, your rate is going to be the same. That is why some companies have introduced SmartRide or SnapShot to look at your driving habits to more accurately measure your driving. Otherwise its just "but I barely drive!!!" against the stats and the stats are going to win every time. Actually California ratings MUST factor average mileage/year per the DOI. Discount-as-you-drive programs (Snapshot, Smartride, etc) aren't permitted in California due to the stringent rating structures for auto insurance.
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Jul 2, 2014 03:58
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RebeccaBlackFriday posted:Actually California ratings MUST factor average mileage/year per the DOI. Discount-as-you-drive programs (Snapshot, Smartride, etc) aren't permitted in California due to the stringent rating structures for auto insurance. Interesting, I did not know that. I knew many states had limits as far as ranges, say 0-8000, 8001-15000, etc. but not outright limitations. California is one of the few states I do not actively write in. Good information.
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Jul 2, 2014 06:01
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HDHP/HSA question. I have a debit card that the HSA gave me but I forgot about it and have been paying for things e.g. medication with my personal credit card. I read somewhere before that as long as I have the receipts for up to three years I can make a claim against my HSA and withdraw the money back out. Is this possible and how do I do that?
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Jul 3, 2014 19:02
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Boris Galerkin posted:HDHP/HSA question. I have a debit card that the HSA gave me but I forgot about it and have been paying for things e.g. medication with my personal credit card. I read somewhere before that as long as I have the receipts for up to three years I can make a claim against my HSA and withdraw the money back out. Is this possible and how do I do that? That sounds like a tax question to be honest. The law has changed a lot in the recent years regarding how these work. I am not sure about 3 years back, but if so, great!
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Jul 3, 2014 20:30
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Are you still able to provide quotes? I am shopping around for auto and renters insurance since I am getting a bit annoyed at my current agent -- I'm located in CT.
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Jul 8, 2014 17:29
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Jerome Louis posted:Are you still able to provide quotes? I am shopping around for auto and renters insurance since I am getting a bit annoyed at my current agent -- I'm located in CT. I can't do quotes directly unless you call into the company I work for specifically. I don't think its a good idea to put that number here though.
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Jul 11, 2014 18:46
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I currently have insurance in KY, and I will be living in Florida for five months for an internship. In the event of a car accident or some comprehensive damage, will the insurance company get upset that my location is different? I will be down there for less than six months, and I pay my insurance in six month increments.
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Jul 15, 2014 19:29
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nbakyfan posted:I currently have insurance in KY, and I will be living in Florida for five months for an internship. In the event of a car accident or some comprehensive damage, will the insurance company get upset that my location is different? I will be down there for less than six months, and I pay my insurance in six month increments. SiGmA_X fucked around with this message at 21:43 on Jul 15, 2014 |
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Jul 15, 2014 21:26
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nbakyfan posted:I currently have insurance in KY, and I will be living in Florida for five months for an internship. In the event of a car accident or some comprehensive damage, will the insurance company get upset that my location is different? I will be down there for less than six months, and I pay my insurance in six month increments. Ehhhhhhhhhh. If your vehicle is still registered in KY, they will likely still be fine. If it is time to renew and you're in FL and you still want a KY policy, I'd explain it to the company and make sure the coverage is still going to be there. Generally insurance policies will allow for out of state travel and are more worried about which state you're in for MOST of the year.
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Jul 17, 2014 06:49
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I live overseas and will be returning to the US next month. I want to get insurance before I arrive so that I won't have to get insurance from the rental car company, and so there's one less thing to gently caress around with while I'm trying to get my car back on the road. Will just any car insurance policy cover rental cars, or do I need to look at the fine print? How about USAA and Progressive (I'll almost definitely be getting one of those two)? This will be in Arizona.
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Jul 21, 2014 11:14
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VideoTapir posted:I live overseas and will be returning to the US next month. I want to get insurance before I arrive so that I won't have to get insurance from the rental car company, and so there's one less thing to gently caress around with while I'm trying to get my car back on the road. Will just any car insurance policy cover rental cars, or do I need to look at the fine print? I would look into a Named Non Owners policy that provides coverage for you and not on a vehicle. It'll get you covered and will not only give you liability coverage, but also insurance so you can't be ticketed. If you OWN a vehicle you'll likely need to insure the vehicle on a standard insurance policy though., and the liability will follow you wherever you go. Be sure to ask specifically at the carrier you go with though!
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Jul 21, 2014 18:43
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Hope this is the right thread for this. I'm traveling to Mexico at the end of September and the hotel I'm staying at recommended travel insurance due to it being hurricane season. I've got no experience with this type of coverage, and am looking for a little guidance. Should I just add up the total cost of the trip and purchase insurance through AAA to cover it? Let me know if there is a better thread for this question.
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Jul 23, 2014 20:30
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ScooterMcTiny posted:Hope this is the right thread for this. I'm traveling to Mexico at the end of September and the hotel I'm staying at recommended travel insurance due to it being hurricane season. I've got no experience with this type of coverage, and am looking for a little guidance. Should I just add up the total cost of the trip and purchase insurance through AAA to cover it? Let me know if there is a better thread for this question. I don't handle travel insurance, but its absolutely a good idea. The more variables there are in the trip,t he better the idea is to pick it up. I know AAA offers it, so yeah, go for it.
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Jul 23, 2014 20:53
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VideoTapir posted:I live overseas and will be returning to the US next month. I want to get insurance before I arrive so that I won't have to get insurance from the rental car company, and so there's one less thing to gently caress around with while I'm trying to get my car back on the road. Will just any car insurance policy cover rental cars, or do I need to look at the fine print? I assume you are military so I'd go with USAA. I used to work there in auto claims and they always have very high customer satisfaction ratings. Since they are geared towards the military, they have certain benefits and are used to dealing with people who may be hard to reach or have odd hours or locations. I don't know if they are the cheapest(probably not) but they have members who have been with them for 50 years who love them. I would be with them still if I hadn't quit.
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Jul 24, 2014 02:31
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Kung Fu Jesus posted:I assume you are military so I'd go with USAA. I used to work there in auto claims and they always have very high customer satisfaction ratings. Since they are geared towards the military, they have certain benefits and are used to dealing with people who may be hard to reach or have odd hours or locations. I don't know if they are the cheapest(probably not) but they have members who have been with them for 50 years who love them. I would be with them still if I hadn't quit. You can stay with them if you quit.
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Jul 24, 2014 12:59
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I currently have USAA auto insurance, so they aren't bad. I WILL tell you that they aren't always the cheapest if you're only after $$$. I would also shop around regardless. They are pretty good, but sometimes they can take you for a ride if you don't know what you're doing.
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Jul 24, 2014 13:09
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anne frank fanfic posted:You can stay with them if you quit. Unless it changed, you had to work five years. I couldn't take it that long. I still use their bank though.
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Jul 25, 2014 02:36
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I've been out for years and you're still in. I think as long as you get in while you're serving, you're good.
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Jul 25, 2014 02:44
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A year or so ago I had a streak of bad luck. I swung my bumper into a pole and used my insurance to get that fixed as it was fairly serious damage. Then a couple months later I put a big gouge in the side of my car parallel parking (the thing I hit was fine). I was afraid of filing two claims so close together and it was just cosmetic damage anyway so I never reported it. Fast forward to this past weekend: my b/f's dad backs into my car and puts a gouge in the OTHER side of the car. They are being cool about getting it fixed for me so I'm taking it in on Wednesday. We both use Geico. 1) Will I get into any kind of trouble having unreported damage on my car? It will look kind of funny because the gouge I made is bigger and uglier than what my b/f's dad did. 2) Can you file a claim for damage this far after it happened? I don't know if there's typically a statute of limitations or anything like that. Sorry if this is a dumb question, I'm just curious. Thanks!
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Jul 28, 2014 23:18
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They insurance company won't care that you didn't report the gouge because it just means that they didn't have to pay out on it. A win for them. However, if you claim that the gouge is a result of the car backing into you, then you'd be trying to scam them. Depending on how the accident is described, they might not know, but it's unethical because it would hit the insurance company/your bf's dad for more money that they weren't liable for. This last point is important: when you damage your own car through bumping into something, it dings your policy (if you claim it and have comprehensive coverage). When your bf's dad backed into your car, it's his liability coverage that's paying for the damage, so your policy isn't negatively affected. Generally speaking, if it's covered by your comprehensive coverage, you want to think about how much it would take to fix the damage and whether it's worth it to even file a claim. You'd need to take into account both your deductible and the potential increase in your future premiums. If it's less than your deductible, there is literally no point in claiming it. If it's just a little more, it's probably better to just take care of it rather than recoup a few bucks on the claim and have that on your record (and thus see higher future premiums). If you don't want to ask for money for the gouge, just make sure that the mechanic/adjuster or whoever evaluates the damage knows it was there and doesn't take the gouge into consideration. Thesaurus fucked around with this message at 23:45 on Jul 28, 2014 |
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Jul 28, 2014 23:42
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Thesaurus posted:They insurance company won't care that you didn't report the gouge because it just means that they didn't have to pay out on it. A win for them. Oh no I wasn't plan on trying to scam anyone, sorry if I was confusing. I'd file for my own claim on my own insurance for the other gouge. They're on different sides of the car so they should be able to keep them separate. Is there a way to see after getting an estimate if filing a claim would be worthwhile? If I called them would they help me figure it out, or would they only care about getting me to file a claim so they can raise my rates?
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Jul 29, 2014 00:16
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HondaCivet posted:Oh no I wasn't plan on trying to scam anyone, sorry if I was confusing. I'd file for my own claim on my own insurance for the other gouge. They're on different sides of the car so they should be able to keep them separate. Well...I don't know GEICO's policies, but they SHOULD be able to tell you if you should file a claim or not. As a general rule though, they aren't clairvoyant. Yes, it WILL raise your rates, but no, they likely won't be able to tell you how much. You're going to want to look at the estimate and as Thesaurus said, see if its worth making a claim in concordance with your deductible. It sounds like it would likely not cost much more than your deductible so I'm not sure I would consider filing the claim. He makes a good point though, you COULD try to claim the bf's dad did it, but that WOULD be fraud. I wouldn't do that. Really all you need to know is what your deductible is and how much the estimate is.
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Jul 29, 2014 00:24
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And go to a third party for the estimate. Easy. It's not like your insurance company fixes it anyway.
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Jul 29, 2014 06:57
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Jastiger posted:I currently have USAA auto insurance, so they aren't bad. I WILL tell you that they aren't always the cheapest if you're only after $$$. I would also shop around regardless. They are pretty good, but sometimes they can take you for a ride if you don't know what you're doing. I'm specifically concerned with whether they cover car rentals; that is, whether if you have a regular liability policy it will cover you when you rent a car (not whether they cover rentals when your car is being repaired). I just would rather not buy 20 dollar a day insurance from Enterprise; and I haven't driven a car in 4 years, so I'm not as confident in my abilities as I once was. I believe I used USAA once before (can't remember if it was car insurance or what), and I know their reputation. I have had good experiences with Progressive, which is why they're also on my list. I do not have a credit card (just a mastercard debit card, which I doubt has rental insurance). What other options are there that are cheaper than rental car company insurance? Besides driving uninsured?
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Jul 29, 2014 15:10
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VideoTapir posted:I'm specifically concerned with whether they cover car rentals; that is, whether if you have a regular liability policy it will cover you when you rent a car (not whether they cover rentals when your car is being repaired). I just would rather not buy 20 dollar a day insurance from Enterprise; and I haven't driven a car in 4 years, so I'm not as confident in my abilities as I once was. Generally a regular liability policy is going to cover you when you rent a car. Remember, liability follows YOU, not your car! However, when it comes to rental car coverage, it is often better to pick up the small physical damage coverage if you damage the vehicle. Its better to pay the extra 20$ or so than have a claim on your insurance in most cases.
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Jul 29, 2014 15:32
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HondaCivet posted:Oh no I wasn't plan on trying to scam anyone, sorry if I was confusing. I'd file for my own claim on my own insurance for the other gouge. They're on different sides of the car so they should be able to keep them separate. Like Jastiger said, all you need is an estimate. If its $1500 and your deductible is $500, you might want to report it. From my experience taking these type of "hypothetical" calls, we can't tell you much. File the claim or don't but I can't tell you if your rates will go up or how much. We just don't know. Plus we aren't going to commit to some number that can't be met when it comes time to renew.
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Jul 30, 2014 00:27
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Who's the go-to for renters insurance? Only need 15k or so of coverage. My leasing company tells everyone to go with erentersplan.com, but i haven't heard poo poo about them. Should I just go with state farm or something?
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Jul 30, 2014 14:18
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DeesGrandpa posted:Who's the go-to for renters insurance? Only need 15k or so of coverage. My leasing company tells everyone to go with erentersplan.com, but i haven't heard poo poo about them. Should I just go with state farm or something? I only offer one company right now, but it is probably worth while to shop around with those that do auto as well. Often times the bundling discount pays for the renters. Companies like State Farm, Allstate, Nationwide, and Travelers to name a few. Also, think really had about how much insurance you want. Most people vastly underestimate how much it would cost to repurchase all of their property brand new, and if you have a good record and credit history, the difference between 25K and 15K is likely minimal.
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Jul 30, 2014 14:33
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DeesGrandpa posted:Who's the go-to for renters insurance? Only need 15k or so of coverage. My leasing company tells everyone to go with erentersplan.com, but i haven't heard poo poo about them. Should I just go with state farm or something? Try your Auto insurance company, often you get a discount on your car insurance for bundling and the renters policy become essentially "free". Also make sure to have them price different limits, I had $15k of coverage but when I asked what it would be to step it up to $25 they told me both policies were at the minimum premium, so there was no extra cost.
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Jul 30, 2014 14:45
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DeesGrandpa posted:Who's the go-to for renters insurance? Only need 15k or so of coverage. My leasing company tells everyone to go with erentersplan.com, but i haven't heard poo poo about them. Should I just go with state farm or something? I would go with 100k in liability at a minimum, and whatever your realistic property coverage should be - mine&gf have 30k. Fires are expensive. Like Jastiger said, 15k to 30k was a minimal rate increase. Now if I paid monthly vs annually, haha.. Huge diff there.
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Jul 30, 2014 18:19
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Thanks guys, I appreciate it.as for the coverage I really only have ~9k worth of poo poo on the high end as I'm just out of school. Can I step up the coverage if I need to?
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Jul 30, 2014 18:28
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DeesGrandpa posted:Thanks guys, I appreciate it.as for the coverage I really only have ~9k worth of poo poo on the high end as I'm just out of school. Can I step up the coverage if I need to? Sure ya can!
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Jul 30, 2014 20:34
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DeesGrandpa posted:Thanks guys, I appreciate it.as for the coverage I really only have ~9k worth of poo poo on the high end as I'm just out of school. Can I step up the coverage if I need to?
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Jul 30, 2014 20:52
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Am I to interpret that the following means that Aetna covers nothing and the copay doesn't kick in until I've reached $5750 in terms of money towards my deductable? 
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Aug 6, 2014 22:49
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BlackMK4 posted:Am I to interpret that the following means that Aetna covers nothing and the copay doesn't kick in until I've reached $5750 in terms of money towards my deductable?
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Aug 7, 2014 18:06
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