Query About Car Insurance Coverage

Puffy Lux
Better water better life

Hi everyone, I rented a car in Azerbaijan through a reputable website by credit card ( No my credit has no insurance coverage of any kind ) – Yes, I asked them but the customer care representative was so lacking in knowledge and does not want to help at all – and my insurance include: Collision Damage Waiver (CDW), Theft Waiver (THW) and Third Party Liability Insurance (TPL), so when I returned the car to the rental car company. The guy who inspected the car found a crack in the rear bumper – I think because of me – and he said that he will deduct an amount of 100 AZN ( approximately 60$ ) from the deposit I made – also by credit card – as a compensation for the damages. Unfortunately, I was in a hurry at that time and I forgot to get any documentation for damages nor the amount that will be deducted. My question is whether or not I got scammed and if so, what should I do next?.

TL;DR I rented a car by credit card ( with no insurance coverage of any kind ) and paid for Collision Damage Waiver (CDW), Theft Waiver (THW) and Third Party Liability Insurance (TPL). Cracked the rear bumper and an amount of $60 as compensation for damages will be deducted from the deposit I made at the desk also by credit card. I was in a hurry and forgot to get any documentation of that. Did he scam me, if yes what should I do next?

submitted by /u/iRayyan
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I love being an adjuster. How about you?

Better water better life
Puffy Lux

I never knew what I wanted to do with my life, career-wise. I got my BA in history just because I like history. When I couldn't get a good enough score on the LSAT to get into law school, I went back and got my MBA. I literally put all the specializations on a piece of paper, put them in a jar and picked the first one I grabbed…Healthcare Management.

After I graduated and was on the job search, a friend recommended being an Injury adjuster for insurance. At that point I associated insurance with sales and said Nope, not for me. Then I went to a job fair and spoke to several insurance companies as well as other companies. I submitted a lot of resumes.

At that point I was mostly interested in companies that had offices in TX (I was in WA at the time). Most healthcare jobs I was applying for were only regional but every insurance company I applied to had an office in TX. Anyway I got hired on by my current auto insurance co in non-complex auto claims. I hated it, but waited the requisite period of 6 months, applied for an Injury position and got it! Been doing it for a few years now and I absolutely love it.

If you've made it this far, thank you. I just love my job and I sincerely hope you do too.

PS…WA was awesome but TX was closer to family and with a child, being near family takes precedence. Id go back to WA in a heartbeat if I could.

submitted by /u/jlynny1811
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Ok, so I have a question or 2 about auto insurance regarding medical payments [CA]

Better water better life
Puffy Lux

I got T-boned about a month ago by people that dont have insurance. So far I’ve only accrued $38 of medical bills (co-pay and some pain meds) but I may be accruing more pretty soon, I started having lower back pain about 2 weeks after the accident and I’m not sure how much everything is going to cost, going to my doctor soon to see what can be done.

I have $1,000 coverage for medical payments, 50k per person/100k per accident for bodily injury, and 50k per person/100k per accident uninsured motorist.

My questions are, if the medical bills happen to go above $1k, do I just have to pay out of pocket or would it also draw from my uninsured/bodily injury coverage? Because if it’s only the $1k coverage that would really fucking suck

submitted by /u/That_random_guy-1
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Question about Rental Coverage

Puffy Lux
Better water better life

Hello all,

	 GlacialPure Filter for Frigidaire WF3CB, PureSou

I was rear ended a few weeks ago with some pretty significant damage to my car. I have Geico and I filed a claim through them to expedite the process of fixing my car (Im in Virginia, the person who hit a car into mine was at fault I presume because of the type of accident. I was considered not at fault. I have the person who caused the accidents insurance info, Liberty Mutual).

I have a fixed dollar amount of rental car coverage which will end before my car is fixed. The rental company (Enterprise) agreed to cover a few more days and “make it work” with Geico, but I will reach what Enterprise is calling their “maximum” that they will allow me to have the rental before my car is fixed.

What should I do moving forward? Can I ask Geico to chase Liberty Mutual for more rental car coverage? Should I go directly to Liberty Mutual? Am I SOL?

Thanks in advance for any wisdom or suggestions

submitted by /u/Tool0117
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Question about AINS 22: Personal Insurance

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Puffy Lux

I see that the test is 85 questions just like AINS 21 despite 22's book being roughly 25% bigger. Does that mean most of the questions are more generalized? I don't want to skim over anything but at the same time I don't want to obsess over homeowner insurance breakdowns when I work in auto.

What are your thoughts?

submitted by /u/SpikeXena
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What You Need to Know About Home Inspections

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Puffy Lux

Between competitive real estate markets and confusing real estate jargon, buying a home for the first time can feel overwhelming. But fear not, house hunters we’re here to shed some helpful light on the home inspection process (good news: it can be surprisingly painless).

Puffy Lux

What’s a home inspection?

Typically conducted by a certified inspector, the goal of a home inspection is to assess the general condition of a house before purchase. That includes the condition of its chimney, roof, and gutters, and the integrity of its basement and foundation. During the walk-through, the inspector will flag any potential major (or expensive) issues for prospective homeowners. Afterward, they’ll usually prepare a report of their findings.

When do I get one?

When a buyer initiates a home inspection, it tends to occur after an offer has been made on a house, but before closing. Sometimes sales are contingent on a home inspection. That way, buyers aren’t obligated to finalize their purchase until there’s been an inspection. While mortgage lenders will generally require that you get a home appraisal before funding your loan, home inspections are not always required. But many insurers will insist that you get a home inspection by a certified home inspector before issuing homeowners coverage.

Why should I get one?

Home inspections generally benefit the buyer by giving them an important opportunity to evaluate a property’s condition before signing on the dotted line. Sellers who want to improve a property before listing it can also benefit from conducting a home inspection in order to determine if there are any major issues they should take care of before selling.

How long does a home inspection take?

The length of time it takes for a house to be inspected can vary based on the size and structure of the house. But generally, it’s somewhere in the range of 2-3 hours. Though it’s not required, it may be a good idea to try and attend the inspection yourself (or possibly with your realtor). You can ask the inspector questions, point out areas of concern, and get a better understanding of the bones of the house yourself.

How much does the inspection cost?

Typically, the buyer’ll cover the cost of the inspection. Fees vary by location and size of the home, but according to Angie’s List, the average cost is between $300-$450.

How do I find a home inspector?

Easily! Search for qualified, local inspectors by visiting the American Society of Home Inspectors website.

Can I do a home inspection myself?

Your lender or insurer may require you to get a certified home inspection from a third party. But new Esurance customers can use the DIY Home Inspection App®— not only can you do your own inspection, but you could also get an automatic $50 discount on your first term.*

So, go forth house hunters, and purchase with confidence! And while you’re at it, make sure you have homeowners insurance lined up.  

*DIY Home Inspection Discount is not a discount in all states and savings may vary in certain states.

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about Rebecca

Rebecca is a freelance copywriter and editor living in the SF Bay Area with her husband and two kids. She enjoys productively channeling her anxiety into safety-minded articles for home and garden, running with her robot trainer, and advocating on behalf of the Oxford comma.

Allstate changed their minds about insuring my vehicle after 6 months

Puffy Lux
Better water better life

So here's the situation –

Back in January we needed to upgrade our large family SUV to accommodate the arrival of our 4th child. We had rented minivans in the past and knew the space was super limited when trying to pack the kids, dogs, and all the fixings in for a weekend camping trip. Knowing this we had our eyes on the bigger vans. So down to Carmax we stroll and at the end of the line of minivans we see a Ford Transit 350 XLT. Alright! Test drive goes good, no issues, low miles, well within our price range, and I'm qualified(first loan I've taken out in ten years). Call up Allstate, give them the info on it, alls well, we sign on the lines.

Fast forward 6 months later, I get a letter in the mail from the DMV that my insurance had been canceled two weeks ago! Knowing they had definitely taken my money this month I called to find out what was going on only to be told that when my policy was up for renewal, they decided since the transit is a 15 passenger, it needed commercial insurance, so they canceled my policy. I received no notification, no phone calls, and have apparently been driving for two weeks without insurance.. idk about the rest of the country but in NY they would tow my vehicle and arrest me if I had been pulled over.

On top of that I purchased the vehicle under the assumption it was covered under my auto policy.

My question is, do I have any legal recourse to this? Can they be held responsible? I financed the vehicle only after allstate agreed to insure it on my policy. Can they just drop me without warning and put me at risk of legal action? I drive for a living, having a suspended license due to this is detrimental to my family.

submitted by /u/SerDuncanonyall
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How do I go about getting full bloodwork done (through my doctor or contact an in-network lab directly)?

Puffy Lux
Better water better life

I have already met my insurance deductible for this year (am on a high deductible plan), and any further stuff I get is 90% covered, so I figure this is a good year for me to get a full lab bloodwork done as it will be covered 90% by an in-network lab.

Puffy Lux

Do I need to go through my primary care doctor and ask him to do it while I am doing my annual free physical or can I just straight up go to some in-network lab and say "hey do my full bloodwork". Do labs take requests like this without a referral from a doctor?

I just want to know the process. I'm worried that if I bring up doing full bloodwork during my annual free physical with my doctor that visit will become a 'consultation' which isn't covered as the free physical.

submitted by /u/nomii
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How do I go about getting renter’s insurance for a storage unit w/ no current permanent residence?

Puffy Lux
Better water better life

I live in Ohio. I'm currently in a transition period where I'm staying with a friend (not on their lease) while I'm looking for my own place. I've rented a storage unit in the meantime, but they require I have renter's insurance that will apply to my items in storage.

	 GlacialPure Filter for Frigidaire WF3CB, PureSou

Since I have no permanent address, do I use my friend's address until I find my own place?

submitted by /u/zealouskoala
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Question about diminished value in Texas

Puffy Lux
Better water better life

2015 Mustang GT was rear ended in Texas. Other party 100% at fault. Their car is insured, driver is underage, doesn't have a license, and wasn't on the insurance. Damages we're about $8,000. No major frame damage, but the shop said it was skewed and had to be slightly straightened.

We were considering trading it in for something else but this accident will drop the value. What is a decent estimate for the diminished value? If their insurance decided not to cover the unlicensed/uninsured driver, how would I get the diminished value?

Prior to accident, car could sell for $27,000. I believe now it would be closer to $18,000.

Thanks in advance.

submitted by /u/TheBloodTypo_
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