I backed into my husband's car today with my SUV, and I think I caused about $3000 in damage. Are we better off submitting a claim to our insurance company, or handling this out of our own pocket? [more inside]
Does medical malpractice insurance typically cover all damages of injured patients? I'd like a citable source on this if at all possible, but searches so far haven't turned up anything worthwhile.
My Dad does hemodialysis 3-times a week. He is a Canadian, but we have found a great dialysis clinic that will treat him here in Louisiana when he visits. The problem is that it now looks like we are going to have trouble finding travel insurance for him. Mom and Dad won't travel to the States without it. Has anyone got any ideas how we can best find this insurance for him? Do you know any dialysis patients who have found travel insurance for a U.S. vacation?
What is the privacy downside of seeing a therapist using my insurance plan? [more inside]
How to advocate for and aid a desperately ill, uninsured man in California? [more inside]
How can I find the replacement value of a Canadian Toyota Echo? Mine's toast, and I don't want to get screwed by the insurance company. [more inside]
I've got a few questions about car insurance [more inside]
What is a reasonable amount of debt load for someone with a chronic illness? I come from a family that doesn't accrue debt, which I realize is a luxury many people don't have, so I haven't had a model for managing debt. Specifics about my particular situation follow. [more inside]
Tiny Accident, They're Claiming Injuries, How Screwed Am I? Last week, I had an accident. I was waiting to turn right behind a van, also waiting to turn. He went, then jammed on brakes. I braked, but couldn't avoid hitting him. Minimal damage for him, none for me. [more inside]
What is the logic in insurance companies requiring referrals from a primary care physician when you go to a specialist?
Prescription medication for uninsured. [more inside]
Car in PA, registered in DC, now living (and insured) in NY. Geico wants a LOT of money from me. I don't want to pay NY rates. What can I do? [more inside]
Why is my wife's individual health insurance policy cheaper than being on my group policy? [more inside]
Friend in Seattle is suddenly homeless. Can anyone recommend some resources? [more inside]
Should I keep COBRA or try another health insurance provider if I'm moving to a new state and staying freelance?
I recently left my job at Yahoo! in Northern California and am relocating to Portland, Oregon to try my hand at self-employment. Extending my existing medical coverage with COBRA will cost me, my wife, and our three-year-old son $1200/month, which seems absolutely insane. Please help me understand the risks or consequences of waiving COBRA and getting new a new insurance plan. [more inside]
Hospitalized in California last year under a 5150: is it legal for them to stick me with the bills when I was hospitalized against my will? [more inside]
A guy driving his son's car backs into my wife's van, while my wife's dad is driving it. The guy admits fault, then changes his mind and his story. My in-laws never thought to file a police report or get contact information from the witness. Now we think that the vehicle that hit us may be uninsured. It all happened on private property. Help. [more inside]
New baby, er, dependent child! How to insure? [more inside]
Can you buy travelers/vacation insurance for a domestic (within the US) trip? Is it dangerous to have traveler's insurance and not traditional health insurance for one month? [more inside]
How can I shop for auto insurance without compromising my privacy? I HATE telemarketing and junk mail, so I avoid giving my name, address and phone number to anyone that might possibly sell it. I am also very protective of my SSN. [more inside]
I am insured through a PPO. I was taken to an out-of-network hospital following an accident with major trauma. Am I out of luck for the charges above and beyond the dreaded "usual, customary, and reasonable" charges? [more inside]
My new Plasma TV fell off the wall and shattered. Am I screwed? [more inside]
My employer does not provide vision insurance -and I wear glasses for nearsightedness. The way I see it, I have three options - 1) Use the Lenscrafters coupons in the Sunday paper, 2) Use my AAA member card for a discount at Lenscrafters, 3) Use the measly 20% vision discount I have available as a member of BlueShield, or 4) Sign up for independent vision coverage through a plan like VSP. Is anyone else in a similar boat? What do you use? What do you recommend and advise against using?
What happens if an insurance adjustor gives you an estimate that's twice as large as the original body shop estimate you got before the adjustor saw the damage? [more inside]
Mom had double knee replacement. Doctor admitted doing one wrong. Her leg is now crooked. Options? [more inside]
Here is the deal. I have a client who brought in a hard drive with a "smoked" circuit board. He is filing a claim on his insurance for it AND the data that was on it. Fine. BUT...he wants us to "prove" that the circuit board failure happened as a result of a power surge and NOT as a natural failure of the board. I don't believe that is possible at this point. I am a computer tech, so I am looking for input from attorneys, electricians, and anyone else who can proffer and opinion. Thanks in advance!
My individual health insurance premium has more than doubled. It's so crazy expensive that I can't afford to ever go to the doctor. I need to change my plan or find a new one. Advice? [more inside]
Canadian insurance emergency - homeseller canceled policy, needs 2-day add-on. Company won't budge. Help! [more inside]
I have to travel to Johannesburg for 3 weeks on business so I thought I'd check our corporate travel / life insurance. I'm covered for $20,000 which I consider way below par. I need business travel life insurance options. [more inside]
I have a choice of going on my employer's insurance plan or staying on the insurance plan my husband's employer offers. My plan would be an HMO with low co-pays and great coverage (100%), but it's an HMO. Everything has to be approved in advance, etc. My husband's plan is an EPO, with slightly higher co-pays, and all that. The difference in monthly premiums is slight ($50). What to pick? [more inside]
What can I do if my doctor will not give me the information I need to file with my insurance? [more inside]
How can I avoid an insurance company writing off my car? [more inside]
Do any individual or family insurance plans offer decent maternity coverage? [more inside]
I got hit by a car on a bicycle while carrying a laptop. Bicycle & laptop are busted, but thankfully I'm not. What do I do now, legally speaking? [more inside]
Are there any potential downsides to telling one's doctor that he uses marijuana? [more inside]
I'm scared to talk to my health insurance company regarding a denied claim and further needed treatment. [more inside]
Macbook warranty blues. I asked a question after I managed to mess up an OS X update and am thankful to report that all is well and all photos of my newborn are safe and well (and backed up!). However.. [more inside]
My wife and I are both employed full-time and are eligible for health insurance from our employer. We decided to go a different route and chose a High Deductible Health Plan paired with a Health Savings Account. I know that HSA contributions are tax-deductible, but are our HDHP premiums deductible as well? [more inside]
Homeowner insurance through Farmer's Insurance Group -- is this a Very Bad Idea? [more inside]
I need advice on dealing with a car insurance claim. The insurance company's offer is too low and I think I may have screwed myself. [more inside]
Sometime during the last hour or so, half of my clothes have disappeared from my building's communal laundry facilities. What do I do? [more inside]
My insurance premium increased by 75% I think because of one accident!!! Is it possible to lower it back to the way it was or do I have to pay the entire amount because it might be cheaper than switching the agent/insurance company? [more inside]
Help me find a insurance company that will cover my home-based ebay business. [more inside]
How can I get health insurance even though I have ulcerative colitis? [more inside]
How do I choose a primary care physician? [more inside]
Auto insurance recommendations in Ontario for a new immigrant? [more inside]
Legal secretary abruptly unemployed in New York State. Help me understand my job hunting and insurance situation. [more inside]
Tell me about disability insurance. I am self employed, 31 and would like to protect my income in the event of a disability. What are some pitfalls in the language of contracts that I need to look out for? Is disability insurance as important or more important than health insurance?
I'm trying to find out the best option for my uninsured mother-in-law's upcoming visit which will most likely involve some doctor's visits. [more inside]
Insurance Filter: So we have credit unions (non profit coop banks): Do we also have non-profit or coop insurance companies? Do such things exist? [more inside]