My wife and I (under 35, good health) would like to buy life insurance/ disability insurance. We don't know where to start. [more inside]
Yesterday I was involved in the first automobile collision I have ever been involved in, and am unsure what the best way to proceed is. The pickup truck behind me was rear-ended on the interstate, resulting in it being pushed into my own vehicle. My car is practically undamaged, and I don't think I want to go through the process of filing a claim. Is this a bad idea? More details inside. [more inside]
I'm renting a car in California while being under DC MedicAid. Would I be covered in an accident? [more inside]
Help me move to Vermont and acquire a vagina. (This is not a joke.) Insurance and relocation-related questions within. [more inside]
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?
After being recommended multiple therapists and not a single one accepting insurance, I've determined that the only financially advantageous avenue to pay for therapy is to switch to a high deductible insurance plan with a HSA in order to lower my premiums and maximize my tax situation. Is there anything I'm missing or not taking into consideration? [more inside]
The BlueCross BlueShield plan I've had for a few years "allows" only $78 of the $180 that my out-of-network therapist charges. Other companies can't/won't tell me what their allowed amount would be. Does your plan "allow" more than mine does? I just don't understand how they can say that the "reasonable, usual and customary charge" for a therapy appointment with a Ph.D. therapist is $78, because that's just ridiculous. Am I missing something here? Or is this just the insurance companies being $&%#?!*@.
I am in California. Yesterday while stopped at a red light I was hit from behind. The visible damage on both cars is minimal and no one was hurt, but it was still a jarring crash. The person who hit me is insured but does not want me to make a claim and has offered to pay for my inspection and repairs out of pocket. Is there any reason that I should not make a claim in this situation? [more inside]
I have a series of issues around getting my home insured. Please advise? [more inside]
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]
If I contribute $2500 to a Flexible Spending Account (FSA) in 2015, and end up spending only $2000 of it on health costs -- what happens to the other $500?
Young couple living out their dream came to an abrupt halt in October. He was diagnosed with a particularly aggressive form of melanoma. They had not signed up for Affordable health care insurance, since they were planning on traveling and working around the country. And hey, they are young and healthy, right?? [more inside]
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.
I was in an accident in a common mid-90s sports car. Summary: Body work, broken front axle. Because of the age and damage, the insurance will likely declare the car "totaled". My insurance will likely have to pay for repairs to the other car involved. I have liability only insurance, so they're not going to pay me anything regardless. No one was injured. Does my insurance need to care about my car, if it is liability only insurance, besides assessing for "fault"? One of my family members would like to repair the car. Assuming (he has done this kind of thing before, parts are plentiful, and time is not an issue) that he can make it safely drivable again, what do I need to do to make it legally drivable again? Is there anything I can do now to make it easier to get the car on the road in the future? I'm in northern Virginia.
My industry has just had a Black Swan event and has entered a period of systemic risk. [more inside]
What do I need to do and where do I need to go to have my adult brother receive a professional assessment stating he has autism and will need lifelong health insurance through my father? [more inside]
It appears that my new car I only just got in May has it's first real injury. [more inside]
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]
I need to demonstrate our married status to an insurance company, sooner rather than later. Can't find our marriage license; I ordered a copy from the issuing authority, but it will take a couple of weeks. The insurance company says 'Send any other documents that show you're married,' and they'll make a decision based on those. I'm thinking IRS correspondence, mortgage papers, old insurance policy ... any other ideas?
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]
Is a lens fitting a requirement in California? If so, how much does one typically cost? [more inside]
Under my current health insurance, I am being forced to switch to a more expensive ACA compliant health insurance plan ... [more inside]
Wondering if you could help with a risk-benefit analysis of lowering the amount of insurance on my car. I still owe money on it, but I could potentially pay it off and then save money on my insurance. BUT is the insurance good to have anyway? [more inside]
If someone is a 65+ recent green card holder with only 3 years work experience in the US and who hasn't lived continuously in the US for 5 years (but has visited every year for several months for a decade), they don't qualify for free or even paid Medicare. What is the best health insurance plan for them if they spend 5-7 months in the US, and the rest in their home country in Asia? Are they best off with an Obamacare plan, or some kind of special immigrant health insurance, or what? Thanks.
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.
I just got fired. I was miserable and stressed and planned to have a talk with the CEO on Monday. Instead, he fired me today. I'm in California. What rights, if any, do I have? [more inside]
Has anyone in California used Wawanesa or Mercury car insurance? They're offering significantly lower rates than the big guys but are they sketchy? [more inside]
How do I determine whether the costs on my dental predetermination form are reasonable and/or shop around for a better deal? [more inside]
None of this is legal advice. Got it. I'm trying to determine whether legal advice is even worth pursuing. Our house was damaged by a water leakage incident which the homeowner's insurance agreed to fully cover to the tune of about 60K. We were not living in the house at the time, which was actually up for sale. More excitement below the fold! [more inside]
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]
I really like this chandelier. Buy-able versions I have found are way out of my budget, but the designer posted instructions for a similar DIY version. I live in a rented apartment in NYC - are there legal/insurance/safety issues I need to be concerned about? [more inside]
My dear friend is resigning from her job in the near future. She will move to another state in 2-3 months and plans to go without health insurance until she can find a job there. Is this as bad an idea as I think? How can I help? [more inside]
I have two one year old dogs. They are in great health, but I worry about the future. I am not in the position to pay a huge vet bill for an emergency (more than $1000), but would want to do everything to keep my pets healthy and alive. [more inside]
My anxiety has flared up recently, to the point where I am reluctant to leave my house unless absolutely necessary. This weekend, I checked myself into urgent care after having five panic attacks in 12 hours. The health care providers there were less than helpful, and I feel like I've hit a wall in terms of figuring out how to get the help that I need. [more inside]
How can we cover my recently-hospitalized, uninsured friend in Toronto? [more inside]
My vision plan is flooding me with eyeglasses. Can I get creative with donating glasses to charity? [more inside]
I'm seeking recommendations for a PPO health plan that would cover an out-of-network MD, an MRI, and many sessions of acupuncture. [more inside]
I want to qualify for the Health Insurance Exchange in a state that doesnt have health care expansion. But I don't make the minimum amount to qualify. What would you do? [more inside]
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!
Apparently my payroll hasn't been deducting my spouse's insurance premium from my paycheck since when my insurance kicked in starting in April. I didn't realize this in the flurry of deductions and taxes from my paycheck. When I started, I asked my boss what the insurance benefit is at my work. She said it was 100% covered for me by the company but that I was in charge for paying for my spouse, which I'm totally fine with but thought it would automatically come out of my paycheck. [more inside]
My unmarried partner and I live in Queens. He had a car when we moved in together, and the title, registration, and insurance have always been entirely in his name - I didn't even drive it. The car died this summer and we are looking to buy a used car free and clear from a friend, so car payments are thankfully not an issue. I have been thinking that maybe I should consider being more involved with the car, but I am utterly clueless about the most basic details, and don't know where to start. [more inside]
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]
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?)
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]
Caught in Limbo With Injury - Worker's Comp or Not? [more inside]
What low-cost auto insurance provider in the US has the best claims service? [more inside]
I'm a relentless optimizer and usually do tons of research before making decisions, but I am shuddering at the thought of wading through endless legal and sales verbiage on insurance sites, or even worse, of enduring verbal sales pitches from agents/brokers. Please help me short-cut through the tedium of getting this done. A few extra details inside. [more inside]
Looking for any experiences, counsel, legal referrals to deal with health insurance clawback/SNAFU that's has my blood boiling. [more inside]
Husband needs open heart surgery. Our preferred surgeon is not on our healthcare plan. We're going to request a benefit exception. We are in Washington state. We are on an individual plan, not with an employer. I called the insurer and requested a case worker. Any suggestions on my approach? Feeling overwhelmed already. [more inside]
I got clocked speeding in an area of Montreal with an 18 mph speed limit (that I didn't know about). I got a ticket and was sent on my way. As a US citizen and resident, I have questions about what impact (if any) this ticket will have on my license, insurance, and--if I choose not to pay the ticket--my ability to return to Canada. (Note: I am not seriously considering ignoring the ticket, I'm just curious.) [more inside]