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Thanatosian posted:It's an outside shot, but his new job may come with life insurance he can buy for his wife without requiring a medical screening. It'll be a relatively small policy (probably mid-five figures), but it'll be affordable, if (and that's a big "if") it's there. In my experience those are usually like $250k for the employee and $100k for the spouse. Not like that's nothing, but......it's not gonna be great.
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Nov 20, 2021 00:36
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This weekend I was given an ER diagnosis or cancer on my lymph node. I need to look into life insurance in the US market (yes, everything really is screwed up here) Any hints on where to look? I was thinking 15 term because if I've made to15 years then this thing is beat. I have a wife and a five year old, which is the bad part of this. I want to be around for him.
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Nov 28, 2021 21:08
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Darth Brooks posted:This weekend I was given an ER diagnosis or cancer on my lymph node. I need to look into life insurance in the US market (yes, everything really is screwed up here) Any hints on where to look? I was thinking 15 term because if I've made to15 years then this thing is beat. I have a wife and a five year old, which is the bad part of this. I want to be around for him. I'm very sorry about your diagnosis. However look at the previous like 5 posts for your answer. You need something guaranteed issue from eith you or your wife's employer.
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Nov 28, 2021 21:37
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My wife and I are possibly changing/adding to our life insurance and, separately, our home insurance (adding umbrella) this winter. But I would also like to freeze our credit as general best practice when not anticipating new loans/credit cards/etc. Will having our credit reports frozen @ all the major bureaus affect those insurance quotes?
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Dec 3, 2021 01:58
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pmchem posted:Will having our credit reports frozen @ all the major bureaus affect those insurance quotes? Hasnt' for me. But multiple years in you still run into other bullshit where CSMs don't know why a credit check was denied, often can't tell you which bureaus they will use, etc. (hi, Verizon) So just be ready to deal with that poo poo.
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Dec 3, 2021 02:58
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I have a supplemental group term life insurance policy through work. I'm about to hop jobs. Portability vs conversion? 32yo with beautiful curvy goon physique and high blood pressure, no cancer or other acute illnesses, nonsmoker, had the policy since the start of 2015 or 2016 if it matters.
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Dec 3, 2021 05:40
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Residency Evil posted:Car insurance question: Pretty much every personal auto insurance policy excludes coverage for diminished value for claims covered under Part D (collision & comprehensive). If your wife wasn't at fault they could pursue it through the other carrier. However, rental companies are incredibly lazy when it comes to claims and usual just go after the easiest target, which tends to be you or your insurance company.
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Dec 10, 2021 20:49
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Infidel Castro posted:Pretty much every personal auto insurance policy excludes coverage for diminished value for claims covered under Part D (collision & comprehensive). If your wife wasn't at fault they could pursue it through the other carrier. However, rental companies are incredibly lazy when it comes to claims and usual just go after the easiest target, which tends to be you or your insurance company. Thanks, that's helpful. So essentially, we are/were SOL?
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Dec 10, 2021 20:58
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In my experience Hertz is looking for a buck anywhere they can get it but will generally not pursue the DV claim against you directly. How much are they asking for?
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Dec 10, 2021 21:00
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Literally Lewis Hamilton posted:In my experience Hertz is looking for a buck anywhere they can get it but will generally not pursue the DV claim against you directly. How much are they asking for? Initially they were going back and forth with Geico, who refused. Apparently my wife negotiated them down to 2k or something/paid it.
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Dec 10, 2021 21:06
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Residency Evil posted:Thanks, that's helpful. So essentially, we are/were SOL? Assuming your wife wasn't liable for the accident, you could open a claim on the other party's policy under property damage to get reimbursed. I've never seen it handled that way though, so no clue what the outcome would be. I'd also check your policy language as well to see if the exclusion applies to covered autos, or just owned autos. Sadly I'm working at a TPA these days so I can't look at a policy to see which it is.
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Dec 10, 2021 21:38
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Infidel Castro posted:Assuming your wife wasn't liable for the accident, you could open a claim on the other party's policy under property damage to get reimbursed. I've never seen it handled that way though, so no clue what the outcome would be. Oh she was at fault. Rear ended some guy.
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Dec 10, 2021 21:57
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A family member was in the hospital for a few days, and I'm expecting the usual insurance dance over the next few months. Does anyone outsource this fight? I'd much rather hire a law firm to deal with the hospital/insurance/ambulance providers than spend dozens of hours dealing with it myself. Are there any firms that specialize in this and have all the form letters ready to go?
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Dec 30, 2021 15:59
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Is this a good place to ask about private flood insurance? I saw the government program caps at 250K and that concerns me as I live in a “dam inundation” area. Any recommendations or thoughts?
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Feb 15, 2022 23:13
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Flowers for QAnon posted:Is this a good place to ask about private flood insurance? I saw the government program caps at 250K and that concerns me as I live in a “dam inundation” area. Any recommendations or thoughts? Private flood is fine if you can get it. There's excess flood over NFIP too, but I've never been successful at placing it. What is the replacement cost valuation of your house? That would be your goal to insure which is of course going to be far, far less than the market price unless you're out in nowhere.
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Feb 16, 2022 00:04
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Minus Pants posted:A family member was in the hospital for a few days, and I'm expecting the usual insurance dance over the next few months. Does anyone outsource this fight? I'd much rather hire a law firm to deal with the hospital/insurance/ambulance providers than spend dozens of hours dealing with it myself. Are there any firms that specialize in this and have all the form letters ready to go? I guess the big question is how much are you willing to spend? The reason attorneys assist with personal injury lawsuits is there is an excess of settlement monies for them to take beyond the medical bills so after their fee the insured isn't left owing money. For a strictly medical situation anything they take would come straight out of your pocket.
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Feb 16, 2022 00:08
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Minus Pants posted:A family member was in the hospital for a few days, and I'm expecting the usual insurance dance over the next few months. Does anyone outsource this fight? I'd much rather hire a law firm to deal with the hospital/insurance/ambulance providers than spend dozens of hours dealing with it myself. Are there any firms that specialize in this and have all the form letters ready to go? Lawyers are expensive. They'll want their cut, too. You could always just ask your adjuster what they need and what they'll pay for. If it doesn't line up with reasonable expectations, then consider your course of action.
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Feb 18, 2022 20:08
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Virtue posted:I guess the big question is how much are you willing to spend? The reason attorneys assist with personal injury lawsuits is there is an excess of settlement monies for them to take beyond the medical bills so after their fee the insured isn't left owing money. For a strictly medical situation anything they take would come straight out of your pocket. I was hoping there was a service out there along the lines of "for $250 we'll harass the insurance company on legal letterhead so you don't have to." Not worth engaging a normal law firm, but it seems like a decent opportunity for someone to send form letters via certified mail to push claims along.
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Mar 1, 2022 03:50
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Minus Pants posted:I was hoping there was a service out there along the lines of "for $250 we'll harass the insurance company on legal letterhead so you don't have to." Not worth engaging a normal law firm, but it seems like a decent opportunity for someone to send form letters via certified mail to push claims along. First party health insurance claims don't really get held up for that reason. Usually confusion arises from people not understanding their benefits or a paperwork problem related to coding or pre-authorizations. Just sending random letters to the health insurance company isn't going to move anything along because they have a very strict procedure they have to follow. There's no negotiation like there would be in a third party liability settlement. There are situations where the insurance company really fucks up but it's really not the norm and in those situations attorneys will want to work with you anyway to get a cut of the general or punitive damages. Virtue fucked around with this message at 05:43 on Mar 1, 2022 |
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Mar 1, 2022 05:40
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First party claims are also dealt with under predefined contractual terms. There isn’t money to be had since it’s only dealing with essentially repayment of incurred medical costs. It’s only once you get in general (compensatory) damages do the numbers get squishy and there’s enough financial incentive for an attorney to spend time on it.
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Mar 1, 2022 16:26
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Minus Pants posted:A family member was in the hospital for a few days, and I'm expecting the usual insurance dance over the next few months. Does anyone outsource this fight? I'd much rather hire a law firm to deal with the hospital/insurance/ambulance providers than spend dozens of hours dealing with it myself. Are there any firms that specialize in this and have all the form letters ready to go? This woman? https://armandalegshow.com/episode/jackie-fox/
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Mar 2, 2022 00:40
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Virtue posted:First party health insurance claims don't really get held up for that reason. Usually confusion arises from people not understanding their benefits or a paperwork problem related to coding or pre-authorizations. Just sending random letters to the health insurance company isn't going to move anything along because they have a very strict procedure they have to follow. There's no negotiation like there would be in a third party liability settlement. This. And from my experience when there's gently caress ups it's always the medical billers, not the insurance claim processors. I had like 70 different insurance claims processed because of my surgery and there were 3 that had some kind of problem. One of them wasn't actually a problem, the bill was just abbreviated/condensed in such a way that it didn't match the Explanation Of Benefits so it looked like a problem. It actually took a long time (many phone calls) to "straighten this one out" just because everyone I talked to didn't understand it either. One of them was a problem but it wasn't my problem. My insurance denied like $23,000 of surgical equipment but it was because the hospital coded it wrong and they told me if the hospital recoded it they'd get paid and if they didn't they wouldn't but in no way would I ever be responsible for it. The last was also an actual problem and one of the medical providers was trying to bill me too much, their bill didn't match the Explanation Of Benefits. I had to print out and snail mail them a copy of the EOB (they couldn't even accept a fax) and that fixed it because I never got a bill from them again. You absolutely need to look at the bills and understand them before you pay out of pocket but it's not really something you can outsource to a lawyer and it's pretty much just "does this bill from medical provider X for service Y match my EOB from BCBS or whoever your insurance is" and if it doesn't call your insurance company and have them explain why it doesn't and if you need to call the medical provider to fix it. IANAL but if you want to pay me $250 to look at your medical bills I'll do it. 
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Mar 2, 2022 02:37
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bird with big dick posted:
First off I refuse to let the insurers off the hook so readily on that as you do. Part of the reason we even have "medical biller" as a profession is the hosed up system we have for coding and the absurdly specific but secret manuals for it. All of which differ from plan to plan and purposely involves humans they can scape goat whenever it goes wrong despite a computer being literally perfect for this sort of thing. Second, definitely do not pay anything until you clearly understand what is going on and if someone is trying to balance bill you for something that should be in-network. For example if your all in network doctors bring in some random anesthesiologist who is out of network it's time to get on the phone. It sucks, but wait until there is a problem. These places often go back and forth several times before getting it right. The facility/providers really want your insurance to pay - they have deep pockets. Your portion of the bill is just a rounding error to them. Assuming it's in-network.
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Mar 2, 2022 03:41
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H110Hawk posted:Part of the reason we even have "medical biller" as a profession is the hosed up system we have for coding and the absurdly specific but secret manuals for it. All of which differ from plan to plan and purposely involves humans they can scape goat whenever it goes wrong despite a computer being literally perfect for this sort of thing. Yeah, this is my main issue. I don't want to deal with this game. I understand the insurance company only covers certain things that are billed in certain ways. So why won't they tell me (or, better, the hospital) exactly what they are ahead of time so I don't have to wait on hold and get bounced around for hours to "fix" a claim? If the worry is that a provider will take advantage of that info, that sounds like fraud and can be handled between the provider and the insurance company.
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Mar 2, 2022 07:18
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Minus Pants posted:Yeah, this is my main issue. I don't want to deal with this game. I understand the insurance company only covers certain things that are billed in certain ways. So why won't they tell me (or, better, the hospital) exactly what they are ahead of time so I don't have to wait on hold and get bounced around for hours to "fix" a claim? If the worry is that a provider will take advantage of that info, that sounds like fraud and can be handled between the provider and the insurance company. Just stay in network to avoid balance billing and ensure the insurance company has leverage, then deal with the issues as they arise. The providers know exactly how things need to be coded so if you have a beef in practice it's probably going to be with them.
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Mar 2, 2022 09:01
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Minus Pants posted:I was hoping there was a service out there along the lines of "for $250 we'll harass the insurance company on legal letterhead so you don't have to." Not worth engaging a normal law firm, but it seems like a decent opportunity for someone to send form letters via certified mail to push claims along. Reminds me a bit of when we asked a lawyer if it was worth doing this for a dispute with the town and they said “no, they don’t care if you send something from a lawyer, they just forward it to the lawyers they have on staff.”
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Mar 4, 2022 14:10
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smackfu posted:Reminds me a bit of when we asked a lawyer if it was worth doing this for a dispute with the town and they said “no, they don’t care if you send something from a lawyer, they just forward it to the lawyers they have on staff.” Similar to what happens when people who are unhappy with their claims process tell their adjuster that they're going to hire a lawyer.
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Mar 5, 2022 02:13
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My girlfriend was involved in an accident on the way to work this morning. She slowed to a stop for traffic on a highway and was rear ended by a car that was hit by a box truck. Box truck is registered to an address in Mexico and no insurance was on the prelim police report, car that hit her was registered and insured properly. Box truck also hit another two vehicles. She has comp/collision with a $1k ded but no un/underinsured and we are in Arizona (at-fault state). Anyone want to give me the cliff notes of how this will probably end? Car is done once an adjuster sees it. BlackMK4 fucked around with this message at 20:27 on Apr 20, 2022 |
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Apr 20, 2022 20:03
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If the box truck that started the whole chain reaction of the accident doesn't have insurance, then it's probably going to end with her insurance paying for the damages less the $1,000 deductible. Her insurance may try going after the owner of the box truck or the driver but if it's registered in Mexico it's probably going to be a fruitless ordeal. Edit: thinking back to my claim handling days I'm pretty sure drivers in Arizona can't even purchase uninsured motorists for property damage coverage (UMPD) so even if she had uninsured/ underinsured coverage it only would have covered any injuries she sustained, not damage to her car. sheri fucked around with this message at 20:53 on Apr 20, 2022 |
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Apr 20, 2022 20:50
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Oh, perfect, that is all I was worried about. Didn't want to see her be poo poo out of luck with respect to car replacement. Thank you  Shopping time (goddamnit).
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Apr 20, 2022 20:54
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Couldn’t her insurance go after the person sandwiched in the middle who rear ended her, who was fully insured? I only ask because yesterday I had a defensive driver training class and the instructor pointed out that the middle person right up on the bumper of the person first in line would be “buying that car” if the middle person was rear ended and didn’t leave enough space between them and the first car and ended up hitting the first car. This situation sounds exactly like the one he was explaining to me and it sounds like sheri’s response doesn’t mention the middle car at all.
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Apr 21, 2022 13:54
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Cacafuego posted:Couldn’t her insurance go after the person sandwiched in the middle who rear ended her, who was fully insured? No. I mean, in theory they absolutely could try but it wouldn't get anywhere. I worked as a claims adjuster for several years and have handled the scenario more times than I can count and the people in the middle that get crammed into everyone are not at fault at all. People that teach defensive driving classes generally don't have any idea how legalities and insurance claim processes and whatnot actually work.
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Apr 21, 2022 14:57
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sheri posted:No. Ok, got it, thank you. I had never heard that before so it came as a surprise to me. Glad to know the req way it works!
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Apr 21, 2022 15:16
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I imagine for completeness sake they will send over a letter asking for the money, which will generate a form denial / go after this person response, and it all gets stapled together and put away in a box forever. If both parties are lucky the foreign driver will somehow be willing to pay but it's not a thing anymone is going to expend a huge amount of time on. Same thing, few letters will go, nothing will come back, and that will be that.
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Apr 21, 2022 17:08
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Cacafuego posted:Couldn’t her insurance go after the person sandwiched in the middle who rear ended her, who was fully insured? I was the middle person in a similar accident and none of the other half dozen vehicles involved has ever even suggested my insurance should be paying anyone out. Then again I had video proof I wasn’t right up on their rear end at the stop light. After the accident I googled about safe spacing distance at stop lights and like everything it seems to vary state by state but IIRC some state driving manuals & driving laws don’t even mention it and the ones that do it’s “enough space you could pull out/around them if you had to without reversing” and maybe “enough space you can see the bottoms of their tires” and neither of those is really a huge amount of space like one car length tops and it’s not even a uniform amount of space it’s going to depend entirely on what you’re driving.
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Apr 21, 2022 17:36
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And if someone plows into you going super fast you are going to need a lot more space in front then if someone hits you going 10mph.
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Apr 21, 2022 17:59
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Insurance is coming to grab the car out of the garage today, hopefully the valuation on it is reasonable given the current market. It is a 2011 Mazda 3 that she paid $6k for a year ago but lol used car market and she doesn't make a ton of money.
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Apr 21, 2022 18:21
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Looking at adding an umbrella policy for the first time now that we actually have assets. How much should you be covering? It's easy to total savings and investments and auto, but how does a house work considering how crazy the market has been? How much estimated value the house is worth? Only equity in it? Admittedly, the difference between 0, $1M, and $2M policy premium is pretty small, but also no reason to go overboard.
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Apr 25, 2022 16:05
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Liability coverage should be $1 more than the most you would be sued for.
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Apr 25, 2022 16:30
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I would assume the house value is what it would actually sell for on the market in terms of calculating a liability exposure.
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Apr 25, 2022 16:33
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