218 posts tagged with insurance and resolved.
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Reporting a house insurance claim 101

While I was away, someone caused some minor damage to a corner of the house with their truck (chipped/cracked masonry, missing mortar, etc). My neighbour dealt with the initial incident, and I have the culprit's insurance details, and will be initiating a claim. Having not claimed on my house policy before, do I need to contact my insurance as well? Or do I just go through the insurance of the person who caused the damage? Thank you!
posted by carter on Apr 6, 2015 - 3 answers

risking a 5 day insurance gap?

I would have a 5 day gap between my new job's health insurance and ending my ACA health insurance. Should I buy another month of ACA or risk the 5 day gap? [more inside]
posted by inevitability on Mar 25, 2015 - 17 answers

Insurance companies for small business liability policies (SF bay area)

I want to investigate the cost of getting a small business liability policy, which is necessary for me to rent classroom space at nearby universities and local school districts. The requirement is usually a $1million policy with the school as an additional insured. I assume it will make the most sense to just get an annual policy, rather than event by event. Can you recommend reputable companies I should contact for quotes? [more inside]
posted by ktkt on Mar 20, 2015 - 3 answers

I just got a check for $10k. Can I keep it? YANAL.

A year ago, I was involved in a car accident that was not my fault. Now, in exchange for being released from any future liability for injuries relating to the accident, the other person's car insurance has issued a check directly to me. For $10k. This feels too good to be true--is it? [more inside]
posted by sciatrix on Feb 20, 2015 - 16 answers

Can you have two health insurance companies & plans?

Hi MeFi, So a bit of a weird situation here. I was laid off in 2013 and at the end of that year I applied for Obamacare. It took FOREVER to get the application going since the website was awful so long story short, it's early 2014 and I get a job with full benefits. I completely forget about the application for Obamacare and it's now January 2015 and I received a letter from CeltiCare Health saying 'hi, here's your coverage card. you are now insured with celticare...' So now, technically, I have two coverages? One from my employer and through Celticare? How does this work? Should I call Celticare and let them know I already have insurance? What benefits are there to having two? Legal or not? Thanks for your help!
posted by bostonhill on Jan 19, 2015 - 12 answers

I miss my boots.

I recently sent my cherished pair of Frye boots through USPS Priority Mail to the Frye refurbishing center... Now they are missing... [more inside]
posted by hippychick on Jan 8, 2015 - 10 answers

Car registered and insured in two states.

I have a car with a loan I am currently paying that is titled, registered, and insured in Ohio (I am an Ohio resident). I would like to give this car to my grandfather and continue to pay on it, but he is a resident of Michigan. Can I register and insure the car in both states so that he can drive it legally in Michigan?
posted by m3thod4 on Dec 3, 2014 - 4 answers

Who might learn from my parents’ medial insurance woes?

I’m wondering if there’s any academic or research value in the papers my mom kept, documenting her struggles to get a long-term care insurance provider to honour their contract. [more inside]
posted by Banknote of the year on Nov 21, 2014 - 8 answers

Car Insurance When Leaving the Country

My wife and I are moving to another country for 9 months. We're planning on selling both of our cars. As far as insurance goes, if we cancel it when we sell the cars, will there be some kind of penalty when we come back? If so, is there some way to suspend it for nine months? We're planning on buying cars when we get back.
posted by a2a87 on Nov 13, 2014 - 14 answers

Can I get my car inspected in another state?

This question is going to reveal my lack of understanding surrounding car registration, inspection, etc... But here we go. I've moved to a different state. Can I get my car inspected here even though I have yet to register it here? [more inside]
posted by bluloo on Nov 3, 2014 - 13 answers

What if he doesn't want them to pay his medical bills?

Looking for someone who's had this experience to tell me the end of your story: you injured yourself (through personal clumsiness) while at a friend's house, your health insurance paid for your ER visit. Your insurance company asks you "where did this accident occur?" and you reply... something... in the hopes that neither your friend nor your friend's property insurance is held liable. [more inside]
posted by aimedwander on Nov 2, 2014 - 12 answers

What do insurers do with two incidents of negligence?

Let's assume that you caused one fire due to negligence in your home, and then less than five years later you caused another fire due to negligence at the business you own? How would your insurance companies treat/investigate this? Let's also assume this is the second time around for the liability company.
posted by zagyzebra on Oct 26, 2014 - 8 answers

a health insurance gap. a cobra loophole.

I am going to have a health insurance gap between October 31 and December 23rd. That is a time period less than 60 days, and I hear there is a COBRA loophole, and I would like advice about it. [more inside]
posted by millipede on Oct 17, 2014 - 15 answers

Help me find a house inspector in Phoenix

Anyone have recommendations on a house inspector/inspection company in Phoenix? Currently the house we are buying has had a "relocation property inspection" done by a relocation company (seller is moving away and his company is relocating him along with providing this report). I think we probably need to get a full inspection done, but would like some referrals if anyone has any. Or anyone have any opinions on if another inspection should be necessary? My relator says his inspection guy is $375 and said that in this situation, it maybe worth it to just save the $375 but it was up to me. Thanks!
posted by gregjunior on Sep 8, 2014 - 5 answers

How do I reclaim flood damage costs from a condo unit above me?

Last week a condo unit above mine had an accidental flood. The water damaged about nine units including mine. As a resident in Ontario, how do I reclaim my expenses for the damage he caused. [more inside]
posted by jmmpangaea on Sep 2, 2014 - 6 answers

How liable am I for somebody else's crash?

This is hypothetical. I have allowed somebody to drive my car (in British Columbia, Canada) who I know does not have valid driver's license. She has a crash in which somebody else is badly hurt. She (the uninsured driver) does not have the money to pay the damages. How liable am I for these damages, and will my ICBC insurance cover them? If my insurance doesn't cover these damages and they are extreme, are all my assets endangered? (ie: worst case scenario, could I lose my home?)
posted by philip-random on Aug 29, 2014 - 11 answers

Car Insurance Question: Hit and Run

My husband's car were totaled in a hit-and-run this past Saturday. The car was parked on the street, and a drunk driver plowed into it in the middle of the night. [more inside]
posted by nanook on Aug 28, 2014 - 9 answers

Insurance question about out of pocket cost for non-network specialist

Girlfriend needs to have fibroids removed, but needs to see a specific "out of network" surgeon. Is there any way (like some kind of a special consideration) that she can see this surgeon without paying the higher out of network cost? [more inside]
posted by hanzoschmanzo on Aug 11, 2014 - 6 answers

Steps for purchasing a used car?

If all goes well, I'll have the pre-purchase inspection on this used car tomorrow, and see if I can close a deal to buy it. Then what? I need help with the order of all the paperwork and steps. Complication: I'm in MA, the owner is in CA, and the car is registered and located with the seller's relative in NH. [more inside]
posted by daisyace on Aug 4, 2014 - 4 answers

Did my insurance company give me a BS answer regarding a rate increase?

I recently received my renewal notice in the mail for my auto insurance policy. The premium (for the entire year) increased by almost $100. I called my insurance company to find out why, and my BS detector is going off. [more inside]
posted by tckma on Jul 21, 2014 - 15 answers

Former epileptic getting her license back in Ontario; insurance?

My wife, clean from seizures for about two years, is getting her license back soon and I need to know if there's any pitfalls regarding insurance. [more inside]
posted by the dief on Jul 2, 2014 - 3 answers

Bumped a neighbor's house over 2 yrs ago, now an insurance claim looms

I bent the metal railing and caused some cracks in the brick staircase. After talking with the owner of the house, nothing was done for over 2 years. Now the owner is considering a repair and has told me that he's gotten quotes for $4000. How should I respond to this situation to both protect myself and take responsibility for my actions? [more inside]
posted by cubby on Jun 29, 2014 - 16 answers

Can I drive a car with temporary documentation into Canada?

Last week, I bought a new car. Can I drive in and out of Canada with a temporary license plate, registration, and insurance card? [more inside]
posted by ddbeck on Jun 9, 2014 - 4 answers

Preferred by whom?

Should we use the insurance preferred auto repair shop? [more inside]
posted by BundleOfHers on May 15, 2014 - 8 answers

Do I need to sign up for ACA for a few weeks to avoid penalty?

ACA penalty question. There is a 99% likelihood that I am about to be hired by a company that will provide me health coverage beginning on April 7th. I have not been given a formal offer, but I have been given verbal assurance, and I have every reason to believe I will receive an offer next week. The ACA deadline is March 31st. Do I need to sign up for ACA to cover the week between March 31 and April 7 in order to avoid paying a penalty? [more inside]
posted by scarylarry on Mar 28, 2014 - 5 answers

Trying to fix a medical billing error: At what point do I give up?

I got a small bill for lab work done as part of a routine annual exam. The entire amount should have been covered in full. At what point do I give up and just pay the bill? [more inside]
posted by tckma on Mar 20, 2014 - 13 answers

Car insurance estimate without having to enter SSN.. see inside

Greetings. 16 year old daughter is completing an assignment for Economics and she needs an insurance quote for a 22 year old female who lives in a smallish city (Baltimore) for a 1999 Jeep Grand Cherokee Laredo. She was gonna enter her SSN in an insurance site and say she is 22. I told her (for obvious reasons) no... but we can't find a site which will give us a quote without one. Suggestions?
posted by brownrd on Mar 4, 2014 - 6 answers

Health insurance hand wringing

Could a specialist on the other side of the country still be considered in-network? [more inside]
posted by mermily on Feb 16, 2014 - 17 answers

Is this a liability case or just one for my insurance?

Yesterday, my partner slipped and fell while dropping our kid off at preschool. Every possible option about how to handle this makes me uneasy. You're not my lawyer, but that's okay, because my question is not if I can call I lawyer (or let my insurance company do the same), but whether I want to do that... [more inside]
posted by DirtyOldTown on Feb 6, 2014 - 36 answers

I am very unsatisfied with a doctor I recently visited. How do I say so?

I recently went to a functional medicine doctor. The administrative staff has been negligent. She misdiagnosed me and recommended unnecessary testing. Not to mention the cost! I don't think I should go back, but should I write a letter? Details behind the cut. [more inside]
posted by munyeca on Jan 24, 2014 - 13 answers

handwritten medical records hard to read?

After experiencing an extremely nasty psychiatrist I just need to get my medical records per the request to my insurance to get partial reimbursement for the claim. [more inside]
posted by pack2themoon on Jan 9, 2014 - 19 answers

Travel insurance recommendation for European visiting USA?

Other questions address other nationalities/situations, or are quite dated. Looking for recommendation of good travel insurance for an EU resident visiting the US on a tourist visa. No medical problems, just looking to cover incidentals/emergencies. Thanks!
posted by stillmoving on Jan 4, 2014 - 6 answers

Involved in accident, at-fault party's insurance couldn't pay for all

Involved in a four-car accident, at-fault party's insurance couldn't cover all the property damages. Now what? [more inside]
posted by Carius on Jan 3, 2014 - 10 answers

$3100 bill for "completely covered" procedure.

My doctor sent me for a colonoscopy due to family history. The clinic gave me some paperwork saying it would be completely covered unless they found something, and then it would be $250. They didn't find anything. I lost the paperwork. Now they're sending me bills for $3100. [more inside]
posted by johnofjack on Dec 19, 2013 - 26 answers

releasing counseling record to insurance? any bad impact?

In order to get reimburstment, I was requested by my insurance to provide medical record from my doctor. I'm wondering is there any bad impact in the future to release these confidentical (psychiatric)counselling histrory to insurance company? They do not always request this. This is the first time. I do not know why they are requesting it this time. I guess maybe because I submitted the claim for several visits all together which is a large bill that they are not willing to pay? Any my doctor is kind of tight on this saying that he had never done this before and unless I sign a release and come to pick up myself he would not do it. His emphasis on "comfidencial" made me think about is there any bad impact if I release this to insurance company? Will it be in my public record? will I be quoted higher premium in the future? Will these be recorded as pre-existing conditions? Does it worth it to give up reimburstment to keep record from insurance? Thanks.
posted by pack2themoon on Dec 12, 2013 - 8 answers

End of life planning

My brother and I are sitting down with my parents tomorrow to discuss specifics of what they've put in place for end of life planning. What should we ask? [more inside]
posted by chiababe on Nov 29, 2013 - 23 answers

Condo insurance conflict of interest?

I'm in the process of buying my first condominium. Is using the same insurance agent that holds the condo association's insurance for my own homeowners/content policy a good idea? If not, any suggestions for insurance agents in the Bergen County area of NJ?
posted by quokka quokka quokka on Nov 26, 2013 - 3 answers

Keep the beater car, go without a car, or buy a (new to me) car?

My boyfriend has a 2002 Ford Taurus with 300,000 miles on it. It burns oil and has some impact damage on the front so that you have to remove the plastic grill to open the hood. It needs an inspection sticker and getting one will require a new windshield and possibly some other repairs. He has just purchased a new vehicle and wants to wash his hands of the Taurus. He says I can have it if I want it. [more inside]
posted by domo on Oct 30, 2013 - 28 answers

Which health insurance plan makes the most sense for me?

For the first time, I have a choice of health insurance plans at a new job. I sort of understand the differences and benefits of each, but am feeling some serious choice paralysis. [more inside]
posted by andrewcilento on Oct 28, 2013 - 21 answers

Michigan Auto Insurance - Can Premium Rise b/c of Not-At-Fault Accident?

In the state of Michigan, USA, can your auto insurance [liability+collision+comprehensive] premium be increased as a result of a collision claim for which the driver/policyholder is judged 'not at fault' by the police or court? I thought that it could, but I have a friend who is sure it cannot. Can any of you provide a definitive answer?
posted by Juffo-Wup on Sep 27, 2013 - 6 answers

Insurance problems...

My wife was rear ended twice back on August 28th (she is fine, no injuries). Our 2012 Focus suffered rear bumper damage. The driver of the other car failed to stop after my wife and another vehicle in front of her, waited to make a left-hand turn. [more inside]
posted by KevinSkomsvold on Sep 27, 2013 - 5 answers

Health insurance for millionaires?

Unfortunately we did not win Powerball last night but it sparked an interesting conversation. Do wealthy (US) people have health insurance? I would think that once you hit a certain amount of wealth you could go ahead and drop it, right? Like $50 million or so? Which made us discuss how someone like Sunny von Bulow could be kept in luxurious surroundings for most of her comatose life. Would her family have paid out of pocket or are rich people dealing with same health insurance BS that the rest of us do? I mean she was in a coma for years, it had to have cost a small fortune.
posted by lasamana on Sep 19, 2013 - 20 answers

Someone bumped into my car this morning

Her car edged forward and bumped into mine while waiting on a red. What should I have done? [more inside]
posted by mlo on Sep 17, 2013 - 13 answers

Read ended by truck a month ago; their ins co won't make a decision

I was hit by a garbage truck a little over a month ago. He had a stop sign that he decided to ignore. I was on a rte/main road with no stop sign, going with the flow of (considerable) traffic. My car was pretty seriously damaged and needs to be fixed, but so far the truck company's insurance company hasn't accepted liability, and are hanging their decision on a guy who apparently doesn't exist. In the meantime, my car's a mess. How to get a response so I can get my car fixed and not have to cover the rental myself? [more inside]
posted by FlyByDay on Aug 2, 2013 - 22 answers

The ball's in my court (I think). Now what?

I have been halfheartedly looking for a new job. My current position does not leave me much time or energy for searching, plus I have had a lot of illness in my family in the last year, which is time-consuming and emotionally draining. When a supplier I work with mentioned that someone in her company had left recently, I asked her whether she plans to replace him, and she said she does. I emailed her my résumé, and she sent me the job listing. In her email, she asked me whether I was interested, and if not, to let her know what my concerns are so they could address them because "your résumé is great!" How do I respond in the most effective manner? [more inside]
posted by zorseshoes on Jun 20, 2013 - 6 answers

How do insurance companies test for tobacco use?

Someone asked me this this morning, and I have no idea so I thought I would throw it out to the green. [more inside]
posted by deliciae on May 20, 2013 - 8 answers

Help with my insurance and SR-22s

I am having trouble getting my insurance company to issue an SR-22 to the Oregon DMV so my license isn't suspended. [more inside]
posted by mokin on May 13, 2013 - 14 answers

How important is AM Best ratings to insurance, specifically homeowners?

Our current homeowners policy is being changed because the company no longer does business in our state. Our agent has come up with another company that is not a national company. It only underwrites in several states on the east coast. I looked up their financials and they seem to be good but I’m no expert. It also is rated with Demotech which I understand to a paid rating company. [more inside]
posted by lasamana on Apr 13, 2013 - 4 answers

Insurance options for the recently unemployed in Tokyo?

I'm an American living in working in Tokyo, but am planning on moving to the states in a few months. I will leave my current job in a month that is providing insurance and take a month or two off to get my affairs in order. What are my options for insurance after I resign? [more inside]
posted by princeoftheair on Mar 24, 2013 - 6 answers

I Want My Pills!

I've been taking ADD meds for years with the same psychiatrist, but lost my insurance last summer and had to stop taking them. Now I have insurance again and scheduled an appointment with my doctor today, but I'm worried he'll say that I'm doing just fine without the pills. However, I'm also afraid of looking too desperate if I tell him how much I want them! Can I tell him everything without sounding like I'm a junkie? Details follow. [more inside]
posted by brisquette on Mar 14, 2013 - 14 answers

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