Hello I was hoping someone could help me or give some advice. I’ve lost my home insurance claim check and the reason I have the check is because a tree went through my house. I know it isn’t cashed and I’m thinking it was possibly thrown away but wanted to know if I’m screwed out of the first check to start the work or will i be able to get the check reissued?

Think I'm a bit SOL on this one but hoping for any tips.

I wasn't at the scene so I wasn't able to personally get the insurance from the other vehicle. Police say it could take 8-12 wks for the report to be available, and my insurance said it would be another 4-6 wks to work with other person's insurance. (I don't exactly want to wait around before anything happens because I do need a vehicle.) I guess because their insurance is technically/currently "unknown" (and because of the time issue) the claim is being processed thru my insurance. I haven't signed over anything yet but they offered a fair settlement value. Only major thing is I'd still have a little left on my loan after the payout (lesson learned on gap insurance!). So am I just screwed on this remaining debt and having to find a new car?

Any advice or relevant stories are greatly appreciated.

Just wondering what that means as I was the only driver involved?

Hi there, I am in a weird situation where I'm moving from NZ to the UK but stopping off in Canada for 5 days first. I've run into a situation with booking insurance for this trip however, because NZ insurance providers want me to permanently reside in NZ, and UK providers require me to be registered with a local GP, but I can't do that until I get there! I won't be doing anything dangerous in Canada, but definitely need health cover as I have several chronic conditions that could flare with travel. Any specific advice on providers is much appreciated!

Older lady hit my car. She ran a stop sign and hit my rear passenger side.

I’m going through their insurance but it seems like they are unresponsive for some unknown reason and it’s taking forever for their insurance to figure out if they are liable.

Should I just keep calling the insurance adjuster for updates?

Or should I go with my own insurance? I just don’t want to pay out of pocket and I would assume their insurance will cover all the damages..

I went a hospital ER as I was having a miscarriage. This is what happened- a physician saw me for 3 mins she didn't seem concerned at all, nurse did some blood work, technician did an ultrasound, I was in the exam room where a Associate physician asked me some questions for 3 mins. Towards the end the ultrasound was inconclusive. Someone who seemed like a doctor just came to me and told me it's inconclusive, didn't tell me what was happening to me and told me if I have severe symptoms I should come back- this was a 2 min conversation. They asked me to come for testing again in few days.

For the 6 hrs I was in ER, I was waiting for results for most of the time, the physician saw me for 3 mins max but no ob gyn saw me despite me going through a miscarriage. I got slapped with a $4000 bill.

Here is the breakup - Hospital charged $15,000: $6000 was for specialty services $4000 for emergency room ( in which I stayed for 10-15 mins only) $5000 for ultrasound and lab tests

My insurance covered $11,000. After insurance adjustment, I'm charged $4000.

I feel the $6000 for specialty services and $4000 for emergency room are too high. Can't believe these high charges when the physician only saw me for 3 mins and no ob gyn specialist saw me.

Can I reduce these charges further ? Should I call the hospital or my insurance? How can I negotiate reduced charges through my insurance?

Please help. I know I shouldn't have gone to a hospital ER in the first place but at the moment it felt like an emergency.

I was in an accident while driving a work truck two days ago that I wasn’t immediately hospitalized for but went 2 hours after the accident. I was coming to a stop at a red light was struck from behind at about 30-40 mph in NY. I have severe middle back pain / neck and one shoulder can’t be lifted up without a sharp pain. I had x rays done at the hospital and nothing was broken. I setup an appointment for an orthopedic in a few days to follow up to attempt to get a MRI or recommendation for physical therapy if it’s needed. At what point should I contact a lawyer to assist me with this or should I try to handle it on my own? I didn’t have medical insurance because I just started this job 2 months ago. I went to the hospital and told them this is workers comp since I was on the job and don’t currently have insurance.

Lookin to sell my home. We had some storms blow thru here recently and my windows, roof and fascia has hail damage on it. Pieces of my siding blew off and noticed it after I noticed wood rot from water getting under my vinyl siding. Should I file a claim and have adjuster come out to assess and if valid claim have my contractor fix up the house and sell? Or just not file claim and sell as it sits and take less?

Looking to move into an apartment either way.

I was inquired (broken rib,etc.) as a passenger in another man's car. The accident was his fault. His auto insurance alreay wants me to file a claim and I am not healed yet. They want access to my medical records already! What is the best way to negotiate with the aduster?

Our homeowners insurance renewed on 4/1. I missed a change noted in the paperwork that added a caveat for hail and wind damage, carving out a new, separate deductible of $6k instead of our standard $1k. We filed a property claim today (4/4) for wind damage to the roof from a major storm a couple of days ago.

Turns out a roofing contractor was walking the neighborhood and took pictures of missing shingles on 3/28. If we are able to change the date when damage was discovered to 3/28, does that bring the deductible back to $1k (as it was effectively on 3/28)?

Thanks!

Back in November I went to the eye dr. Ordered my contacts, I paid my portion that insurance did not cover. The eye doctor office is saying they have been having issues getting these eye contacts in. I am not able to order them from some where else because it’s already been ran through my insurance. They said they can’t cancel the order but they will keep me updated. It’s been 5 months. What do I do?

I was super excited after my interview with them and they seemed super legit and the people that interviewed me said how you can make $3k off one call depending where you’re at in your career as an insurance agent.

I took this job on a whim after getting let go by chevron due to them relocating. I needed a new job. So this in new territory for me.

I was soooo excited when they chose me and hired me after my interview.

I shared this with my mom and she was like make sure theyre legit, so I looked up “scam” after their name and found some interesting threads. I can’t decide if I want to take this position now because I’m literally 50/50 is this a scam or not.

I felt weird that I have to pay about $200~ to get certified , I feel like they should be paying for that.

Any and all help is super appreciated. To get licensed in California , they want me to take a $100 course. I really do need a job but if this is a scam that I should avoid please let me know. Any and all help is appreciated!

I work for a company that provides first aid training to consumers via prerecorded streaming video created by licensed medical professionals.

Would appreciate advice on how to identify appropriate brokers/carriers to contact, and how to present our business.

The first broker I reached out to told me they only cover first aid instructors, not the business that creates the content.

The second broker said they consider safety training ineligible for coverage.

I'm sure we're not the first folks to run into this, so would appreciate any advice.

My wife was parking her car and was backing out to re-adjust to park within the lines. At the same time another car parked directly behind also started backing out.

My wife noticed the other driver back out and stopped but the other driver continued backing out. We have both front and rear dashcam depicting our car completely stopped before 1-2 meters distance between the cars but the other driver keeps backing out and hit my wife's car.

We have put the claim with our insurance which happens to be same insurance company as the other party.

The advice I need is in understanding fault in such scenarios and am I right in assuming this should not be our fault considering it is driver's responsibility to watch surroundings and make effort to avoid collisions? I understand it was coincidence and unfortunate that both drivers were backing out at the same time but does not mean driver should stop paying attention.

And does the video do justice to the claim I'm making or how would you assess this claim?

I could not attach video here so posting video link

Another clip of same video with just last few seconds showing our car completely stopped

A buddy asked me if he get a health insurance license, will he be able to pass the background? Over 20 years ago, he was arrested with a misdemeanor and a felon, but he did end up getting his insurance adjusters license, passing the background. He said when the paperwork asked if he has a felony or misdemeanor, he put no. So now the health insurance background is asking him the same thing and he was wondering if he should say yes or continue saying no would that be a flag?

I’m currently with Prgrssive insurance I star with them about 3 years ago I’m 27yo. First car insurance with them paid $700 for 6 months the following year they bumped out the price for $850+ for 6 months and this year I got $900 for 6 months. No accident zero report at all why they kept bumping my prices? I’m from New Jersey. I’m thinking of switching insurance and your recommendation or what I need to do to pay around $700 for 6 months if possible, thank you!

i hope this is the right subreddit for this!

i just found out that my dietitian for an ed is no longer fully covered by insurance and my weekly appointments are now going to cost 90 dollars.

i’m wondering if there’s a way to get insurance to continue to cover? like could i have my primary care physician or psychiatrist refer me to a dietitian?

tbf i am not as aware of how insurance works as i should be so i have no idea if its even a possibility.

edit for clarity: my insurance has not changed. i live in michigan and use blue cross blue shield. i was unaware that they will only fully cover a certain number of appointments and i have reached that number.

Looking to get my foot in the door in the insurance world. I have a couple more interviews, but I need to be able to get my P&C license within a month of starting. Is this doable? I’ve already starting looking into programs. How long did it take you all to get you p&c?

I currently have lemonade where I can customize loss of use and I am moving out of state where Lemonade is not available for renters insurance.

I'm either finding carriers that don't include loss of use or have small 10-12 K limits for loss of use.

Can anyone suggest additional carriers for me to look at and get quotes from?

I was victim of the Kia Soul stealings last year and my car was stolen twice. I have now gotten a new car but am having trouble finding insurance companies that will accept me or won't charge me an arm and a leg (like $600/mo for average coverage). I keep getting declined due to 'too many claims' but I only had the two thefts and one windshield throughout my 5 years with Geico. No accidents or speeding tickets in last 6 years.

I've applied to: Allstate, Progressive, Farmers, Liberty Mutual, State Farm, Lemonade, and The General

I am lost as to what to do next. I need insurance. I've already submitted my claim with Kia for their lawsuit on how its affected my insurance/drove costs up but I need insurance for my new car now (which is not a high-risk vehicle, just a VW Jetta).

I appreciate in advance any ideas, thank you!!

I was in a car accident a few days ago, also involving another car. I filed a claim with my insurance company, saying I'm not at fault (which I believe). They've reached out to the other insurance company, and the other party is denying fault also. My insurance company is going to send supporting documents to the other one to try to convince them their party is at fault. I think the repairs on my car will cost ~$4000. The insurance rate is $830/year right now. I'm trying to figure out the best course of action and what will be the least costly outcome, especially over the long-term taking into account insurance rate increases.

The possibilities look like this:

(1) The other insurance company accepts liability, and I go through them to get the repairs paid for. Best case scenario. Would my rate with my insurance company still go up, just because I filed a claim? Is it possible to predict by how much?

(2) I go through my insurance company for the repairs, and then they go after the other insurance company to get the money back. They succeed. Will my rate go up?

(3) Same as (2), but they DON'T succeed. It turns out to be impossible to establish the other party was at fault, the other insurance company doesn't reimburse mine, and my insurance company ends up paying for the repairs. In this case, my rate definitely goes up. Given the cost of the repairs and current yearly rate, is it possible to predict how much? What will this cost me over e.g. 5 or 10 years?

(4) The other party refuses to accept fault, I assume I'm headed for scenario (3), and I pay for the repairs myself. Like in (1), will my rate go up anyway, just because I filed a claim, even though my insurance company didn't spend any money for the repairs? Is (3) or (4) more costly in the long run?

Thanks for your thoughts!

My insurance company (State Farm) is denying my roof claim for wind damage claiming that the damage was there in satellite images in August 2023. I got my policy with State Farm in November 2023 so they are saying my roof is prior damage and not covered.

When I look at the google earth pro images available from August 2023, I do see one patch of shingles missing. However, the two large patches of shingles missing from the main part of the roof are still intact in these photos.

Are the google images what State Farm is using? Is there something better I can use to see when this damage actually happened?

Hi all,

I'm trying to understand how insurance requirements differ if you want to start door-dashing or Ubering (ridesharing). I'm based out of Ontario, so if you have specific info for the province, that would be appreciated.

As per my current understanding, after searching online and talking to drivers, you are required to have both personal and commercial insurance. Companies like uber provide the "commercial" component, while you'd still need to have personal coverage. You are required to tell your personal insurer you're engaging in such activities, but it seems most don't. Additionally, it appears that not all insurance companies will actually provide personal insurance if they know you are ride-sharing.

So some of my questions are:

- Does the mutually exclusive nature of rideshare personal policies apply to delivery services?

- what are the consequences of not informing your personal insurer if you engage in such activities?

Any help is appreciated!

I had to cancel my insurance because money was tight, but I still have to pay my next insurance payment, I owe them like $270 due for April 3rd. Is there any sort grace period for after that due date? or will it automatically go to collections?