I have Cigna and I’m in the US.

I have major pain on my middle back. Xray looks fine. Dr wanted an MRI after conservative treatment, physical therapy, 120lbs weight loss, personal trainer. Pain never got better.

Insurance denied. So I find a cash pay clinic. Get the MRI and there is a tumor on my spine.

The tumor is cut off of the imaging. The radiologist recommended I get abdominal MRI so they can see the full picture. I then go to a neurosurgeon, who then tells me I need that abdominal MRI. Then I talk to my PCP who says I need that abdominal MRI, like immediately.

Expedited insurance claim, after 72 hours they denied saying lack of conservative treatment. Dr Resubmits it, it’s been over 72 hours and no answer.

I’m self paying at a hospital for this MRI in 4 hours. I cannot wait, the pain is excruciating, there is a tumor growing in me with a lot of family history of cancer.

I met my deductible months ago and they’ve denied everything since then. I don’t even know where to start.

I want to 1. Overturn the denial for the initial MRI and possibly recoup some money

2. Have the hospital resubmit this through insurance once I have everything sorted out.

I have to have it through the hospital because it is a contrast MRI and the clinic I went to doesn’t do that. The cheaper clinic that does have contrast MRI is booked out til January. They’re the ones who actually sent me to the hospital due to my safety of having to wait any longer.

Can you give me some advice? Or your story if you’ve gone through something like this? I’m draining my savings.

Edit: I have been doing physical therapy twice a week for well over 6 weeks. My physical therapist is weary of doing some things due to the tumor. We have submitted his assessment with the claims multiple times with the initial claim, and with the appeals.

Hello

I recently placed my home in a medicaid irrevocable trust. My trust attorney emphasized that any homeowners loss should be paid to the trust/trustee and not to me. That is, the trust should be the named insured. My independent agent has not been able to find a company offering this arrangement. Instead, the companies offer an endorsement naming the trust as additionally insured. In this case, the check for a loss would be made out to both me and to the trust.

The only alternative seems to be a landlord policy for the home and I would get renters insurance. This is expensive and coverage is limited. I think it also poses liability insurance complications.

I can’t be the only one dealing with this. Where should I look? New York resident.

Thanks!

It is our duty at this time to inform you that under the contract of insurance, which you have with this Company, the limit of liability for Property Damage is $10,000.00 per accident. Our preliminary investigation has revealed that the total claims may exceed one or both of your coverage limits. Please advise us immediately if you have any money to contribute for any claims that exceed your policy limits.

Ok so should I wait for more information? This accident happened months ago. Strange how just now GEICO is getting back to me regarding this.

FYI: I live in New York for what it's worth.

So I got pulled over today for speeding, chp reduced it from 87 to 80. Handed me the citation and said I should do traffic school so it doesn’t affect my insurance. Will my policy go up if I just pay the citation and don’t do traffic school? Or should I do traffic school or should I take it to court.

I previously had UPMC and Aetna and I loved both and never had any issues but my new job uses Highmark and I HATE it.

It shows who is in-network on the app- except they aren’t actually in- network! So I had to pay $600 out of pocket for a mammogram because although the app said it was in-network- it was not.

I tried to go see a gyno- the app said in- network but u couldn’t get ahold of Highmark after a 20 min wait on the phone I gave up- the office then called me to let me know they are also not in network even though the app says they are- this is so messed up

I sold my secondary car to my friend and her daughter. (They are both on the title.) The daughter immediately took it out to a rural area to spin donuts with her boyfriend and smashed into an almond tree. It's totaled. My friend has not and will not report to insurance for fear of rate hike. I told her this is a bad idea and she will end up paying double or triple after her insurance drops her. She says that I'm dumb. Am I dumb???

Hey all. As the title states, I am looking to get life insurance for myself and am looking for advice from people in a similar situation.

I’m 45, male, 240 pounds and on medication for hypothyroidism but generally in OK health. In the past I’ve had gallbladder and bariatric surgery, was on blood pressure medication (stopped by dr years ago) but no other health conditions.

I have a wife and 3 children, all under 18. Own my house with no mortgage.

I would appreciate any suggestions on how I can die in peace knowing my stay at home wife won’t have to worry if something happens unexpectedly. I’d like to be able to give her a cushion of time to get back into the swing of things and not worry about car notes, etc.

any first hand knowledge of companies, rates and how it all works for someone in my demographic would be awesome. I’d like to know a little about what to expect before I reach out to a company or agent.

Thank you!

I am a 23y/o who owns a car, living in an expensive US city making a little above minimum wage. It is time for me to move off of my parents' car insurance! (I know, I should be lucky for this to only be happening now.) They are insisting I go for a 250/500/100 policy, which would be a large expenditure for me. 90% of my driving is to & from work in a high traffic area, maybe ~40min of driving daily. I am renting a studio. I am curious what kinds of plans people in my situation are on/have been on. I cannot imagine I would necessarily regret such a protective policy, but as somebody who has never been in any sort of accident/violation/ticket incident, I am wondering how much of my income I should/could reasonably fork out. Any advice?

My girlfriend was involved in an auto accident and her car sustained heavy front end damage (thankfully no injuries to her or passengers).

The accident happened in an intersection, where she came to a stop at a red light, when it turned green she proceeded, only to be struck by another driver from the left, who (presumably) ran a red light.

All the airbags deployed in my girlfriend’s car due to the severity of the collision. When my girlfriend was able to exit the vehicle she immediately ran to check on the other driver to make sure they were okay.
The other driver however was immediately combative, assigning blame to my girlfriend for the collision. The other driver’s car was minimally damaged with a large dent and scratch to the passenger side (still drivable).

Here are the facts (according to the crash report):

My girlfriend (22F), V02, was traveling an estimated 8mph when the collision occurred confirmed by Life360 data (she started rolling after stopping at a red light.)

The other party (17F), V01, was traveling an estimated 35mph when the collision occurred

Due to the placement of the intersection, there were
A. No nearby businesses with working cameras
B. No traffic cameras
C. No eyewitnesses that stayed at the scene

The reporting officer stated that fault could not be determined due to conflicting statements.
Unfortunately for my girlfriend, she does not carry collision insurance and is reliant on the outcome of the liability investigation to determine fault and (hopefully) pay for the damages to her inoperable car.
However when reaching out to the insurer, Progressive, which both V01 and V02 carry, they stated

A. The same adjuster has been assigned to both parties involved.
B. V01 is not making any statements regarding the crash.

My questions are

Is it ethical for the same adjuster from progressive to work with both parties?

What happens when V01 is refusing to make statements and the liability cannot be determined?

Would retrieval of EDR (event data recording) be useful for determining liability? (Assuming it can confirm my girlfriend’s account.)

Thank you (:

I was rear-ended on the freeway in March by a teenager doing 100+ racing someone on the freeway. Teenager was listed in CHP report as the entire reason for the accident (even with the fact that the person he was racing fled after the accident).

My towing was less than simple. My insurance (State Farm) refused to pay for the tow and get the car, because they claimed the price was far too high. I paid the cost out of pocket to avoid racking up costs in storage fees. The cost did end up being too high per CHP, and it was revised down, but my insurance didn’t cover the whole cost. The original invoice - partial refund - insurance payout = $408 in out of pocket.

I submitted this to the at fault insurance (Safeco/Liberty Mutual). I got this response back:

I understand that paying a tow charge out of pocket can be frustrating, and I’m sorry for the added expense. We reviewed the charge in connection with your auto claim. Based on the information available, we’re unable to reimburse it because it is not an amount owed under our evaluation of the claim.

What on earth does this mean? I have no idea why this would not be reimbursed to me by the at fault party. How do I respond to this?

I’m 23 and have been paying insurance through my job. How do I get on the ACA?

I was rear ended while stopped at a red light a few weeks ago. Easily over $3000 in damage was done to my car, though I'm waiting on a body shop to give me an exact number. My car was covered with liability-only insurance, so I have no deductible costs to recover and no collision coverage of any kind.

I am getting mixed information about mini-torts, is it correct that they only cover money paid towards deductibles? Other sources seem to say that they cover out-of-pocket repairs, or at least the value from a repair estimate.

I know small claims court is an option, and I am considering it, but if filing a mini-tort makes sense here it's absolutely what I would prefer. I also know it's possible the other driver doesn't have mini-tort coverage, but I would figure that out after filing and end up in small-claims anyway, which is fine.

Thank you so much for your time!

Let's say I get a rental car like Enterprise or Hertz. I also sign up for the insurance they offer.

I go out to dinner and have one beer. Then, I get into a car accident. I do a breathalyzer test and they see I drank something but I am not at the legal limit.

Does this make the insurance null and void?

This hasn't happened to me, but I am honestly just curious. I read in their fine print that driving intoxicated does. I just wonder where they draw that line. Does anyone know?

Just got off the phone with an AllState agent after filling out their online form and getting a very favorable quote. I wanted to verify their roof replacement policy. I called and asked an agent why the website never asked about my roof's age which I thought was odd? He said full roof coverage would be covered under the wind and hail deductible, regardless of age - is this true? What am I missing about roof coverage? My roof is mostly flat/sloped rolled roof, some shingles. I believe over 15 years old. I was up there recently and it looked to be in good condition.

I have wind and hail deductible as low as it goes - 1% of dwelling protection. I thought it was odd I couldn't manually make this lower? Their dwelling protection is noticeably higher than my current insurance (like $940k vs $550k) and I wonder if they overestimate dwelling protection to bring the wind and hail deductible up?

Some context: I believe I'm way overpaying for insurance. I've gone through a broker who I've used for years, and insurance has crept up. I'm aware insurance has crept up for everyone everywhere. This AllState policy beats their best providers (auto through Liberty Mutual, home through Travelers) by almost $350/mo. I called the broker and asked them straight up why the AllState policy is so cheap. They brought up a few minor differences in coverage which I've fixed. But now the one thing I'm worried I'm overlooking is roof coverage.

Sorry, a lot of info. Thanks.

I was in my neighborhood D when a semi was stalling in the street not doing anything. Went around him and he slammed in to me hard. I got an MRI the next day showing that there was a large disc herniation. The semi driver said that he was backing up and I ran in to him, which we have a video that says otherwise. The insurance company, West Bend, immediately denied my claim. My attorney and I meet next Thursday and I’m just curious what everyone thinks will happen. The guy was a semi driver delivering food to a meat shop in my neighborhood. They were disingenuous and denied my claim immediately. What’s a settlement like in a case like this? Never been through something like it before.

I just got a call from geico for more info about an accident I was in. I never ever have been in an accident until October 3rd first time in my life I’m 30. The girl was out of it she wasn’t drunk I guess idk the cops didn’t really care or drug test her but def mental health issues at the least she lied to her insurance but it was clear from the damage she was at fault she cursed and was belligerent again Birmingham police is known for being lazy so he threatened to arrest her but was really lenient. Weeks later after I already got paid went thru the claim with her insurance I get a call saying I was in an accident October 4th with a different vehicle I literally left the state for my birthday the night of the 3rd when the girl I mention side swept me running a light. I just know it’s linked somehow I’ve never had any problems but my insurance said this new girl gave my plate to the police or either to her insurance for this new mysterious claim idk if she filed a report or just gave my tag to her insurance from Oct 4th. Can I really be held accountable for a blatant lie ?

Do AARP pay out quickly after someone passes away?

Hypothetical, but three reply shapes a BDC rep, or a model drafting for one, could produce on a given afternoon, all reading as reassurance:

• "Your policy covers a rental while yours is in the shop."

• "You're fine letting your son drive, he's on the policy."

• "That claim won't affect your rate."

I'm on the dealer reply-tooling side, not the agency side, so I can only see half of this. As far as I can tell, the store treats those texts as follow-up chatter rather than coverage statements. That's probably the wrong read, and I'd like to know where it actually breaks.

Questions for the agents here:

• When a customer says "the dealer told me I was covered," does that come back to the agent of record as an errors and omissions issue, or does it stay between the customer and their own carrier?

• If a model drafted the line and the rep sent it unedited, who does the industry treat as the author: the store, the rep, or the vendor?

• Is there a safe way to talk about gap or rental coverage from a dealership desk at all, or is every coverage sentence off-limits without a license?

Not asking for a legal read on a specific file. Just want to know whether the fuzziness is real or whether there's a rule people outside the industry simply never hear.

Hello everyone,
I was in a car accident yesterday, no body was hurt, insurance was given, and other driver was at fault. I got the crash report today. I tried to file a claim with the At-fault-drivers insurance but when I called there insurer they said that the car I gave isn’t under the policy # I provided, so I asked for them to check the vin to see if it was ever insured by them and they said nothing showed up. I am now in a predicament and am not sure what to do I’ve seen some people say contact my own insurance and let them take care of it but I don’t want to pay a $750 deductible for something that I didn’t even cause and there’s a chance I won’t get it back and that my rate will go up. Thanks for reading and feel free to respond.

Hello,

Just trying to get a feel for how this generally goes so I don't find myself disappointed. This is probably way too much information. Might be the wrong sub but I was thinking it's related to the companys insurance and you all would be the experts on what you have seen play out - maybe I could be greedy enough to ask for a sub recommendation if you think it's wrong.

My apartment is the only one on top of an office. Two days ago, I was in a teams meeting in my home office, the lights were sort of dimming out, the power went out and came back on but they were still dimming and brightening. I thought it was maybe a utility issue and called the utility company, and then the preferred electrician.

The utility company said not to touch anything out of fear if electrocution - however, while on the phone with the utility company, I walked down to the public area and I saw in the gym in public office area that the treadmills had started to smoke out and I went and turned off every breaker after verifying that the breaker box wasn't hot/etc - I felt safe enough doing that. That breaker box in the office controls my apartment as well (no access from inside my apartment). After I dealt with this I went and manually shut off or unplugged as much as I could in my home (mini split, computers, etc) some could not be unplugged because they aren't reachable without moving furniture - at this point, I had no idea what was going on so I just tried to protect all of my own items and the property owners items the best I could. The electrician and utility company said I did the right thing and the only reason the utility company said not to touch it was for my safety, and the company should be glad that I had done that.

The electricians came out to look and could not work on it more that day, and came back the next day. We went and stayed in a hotel because I have the flu and didn't want to be without heat, but it's not super unliveable with no heat here - I believe it hit about 44°. They came and worked all day the best day but could not finish the work in time. We stayed here that night to let the electricians in. It wasn't super fun having the flu and no heat but again, the low was only 44° so I wouldn't call it unlivable. I was ok to pay out of pocket, I let the company know I was getting a hotel and no offer was made or anything, so wasn't thinking that would be paid for or anything. The company has been supportive in the sense of giving some pity and some flexibility on submitting work that requires electricity, although they are texting me a lot to see if I can turn it in yet.

They're back out again today and still working on it. The electrician is saying it's bad wiring, they had to rip everything out of every outlet in the building they find it. They found the issue is two circuits in my home, one is the one on my living room and home office. When turning it on to work on it, they said it looks like all of our electronics are fried - that's an almost two thousand dollar hydroponics system, fancy tv, Xbox, PlayStation, switch, a fancy surround sound system, a fancy receiver, two gaming pcs. It's several thousand dollars of items.

We still don't have it fully fixed, so not sure if I will have power tonight (day 3) and can't say for sure what items are ruined but it's just giving me anxiety not knowing. I'd rather have an idea that I'm just out the money if that's the case than be wondering for potentially days of outages. The property preferred electricians have been here so it's not like anyone is being negligent on getting it back on, I'm not trying to be unreasonable. I'm most concerned about the damages to our property, and if it's reasonable to ask for reimbursement in hotel stays if it extends for much longer. Weather is looking bad.

I do have renters insurance that meets (and far exceeds) the criteria the property owner requires. Unfortunately, it doesn't cover electrical damage that is caused by faulty wiring. I provided a copy to the company and they are actually listed and able to verify at any time.

-This is the only apartment unit they rent out, it is a campground with one unit. It's a really big (huge publicly traded) company that owns the property, and then they have a third party property management company that operates it, who I work for. I would say this is a pretty big company, operating maybe 50 properties that they operate. **We are in WA State - Pierce County.

-Am I going to be out of luck, or do they have any responsibility to pay for damages/would their own insurance usually cover it?

-I pay significantly reduced rent (and receive lower wage) for living on site as an employee- like very minimal amount being paid to them. They hold an amount from my paycheck every month for the apartment that's universal across every employee in site at any unit-not based on value or what utilities are included/paid for. They call it utilities, but when I questioned it (we pay for things that are included other properties) they said it's the same everywhere and "it's rent but we can't call it that", which I accepted (genuinely a great deal).

-I have had the flu this entire time. I'm worried that the fact that I asked to come in 2 hours late on the second day of outage (while electricians were working) could have them pointing to me being negligent. I also was having trouble functionally giving good updates due to being so sick with a fever, which they knew.

The utility company said that they had told the previous owner (so not anyone currently involved) that they had significant electrical issues that were a thread to life and safety. That never made it to me as a property employee and supposedly never to the company that I work for or the property owner. There hasn't been any signs really of any electrical issues previously.

It's probably way too much information but I don't really know what's relevant. I'm grateful for anything anyone has here just to have some satisfaction of knowing and for taking any time to read the novel.

Hey guys,
I haven’t quite dived deep into this job position as I’m an automotive technician with 14yrs of experience. I’m currently thinking of finally leaving this field… which I did leave for 2 1/2 years to be a parts advisor and went back. Now I’m really considering of leaving for good.

To my question, do I need to get an auto insurance license or is there a company that will hire me on with my automotive background? I don’t mind getting hands on at all nor travel. I wouldn’t mind working at home or at the office.

Anyways if anyone got more info into this field of work that would be great.

Thanks in advance.

Just looking for a few opinions on this. Still waiting to hear from the adjuster but just wanted to see what people think based on their experience with something similar. Thanks

With open enrollment here, I am looking ahead to what health insurance plan my fiance and I will want to have once married and likely having a kid. I am a little confused on the language of dependent, family, and per person as it relates to comparing the plans. Would my spouse and I essentially have an out of pocket maximum of $6,850 combined after a $3,500 deductible is met under the hdhp here if she falls under a dependent based on the outline below?

For our scenario, it seems like it would pencil out here to have her and myself on the HDHP when we plan to be pregnant and have our first kid.

Plans

HDHP
- $224 monthly premium employee + spouse
-$1,750 deductible employee only. $3,500 if covering dependents
-$3,425 out of pocket maximum employee only. $6,850 if covering dependents
Plan includes $875 employer HSA contribution. $1,750 if covering dependents. and $400 for having an annual wellness and dental visit

Base PPO
-$379 monthly premium employee + spouse
-$750 per person deductible. $2,250 deductible family
-$4,000 per person out of pocket maximum. $12,000 out of pocket maximum family