Earlier this year, I was rear ended and suffered from neck pain and numbness in the limbs for about a month. I had a body injury claim opened against the other driver's auto insurance. I saw a couple specialists and got PT treatments. After a month of treatments I believe I am recovered. All the medical bills were paid by my health insurance except for the co-pays (all together was like ~$250)
I believe in most cases people will go through the body injury claim to get reimbursement. Not sure if I am thinking too much but I was just wondering if there is drawback of doing that. For example, will that claim affect how/what my health insurance covers my neck pain in the future as they might since it's related to the car accident?
Thanks for your input.
submitted by /u/dk3nck
Money is super tight. It will cost about $200 if I fix it myself. Will my insurance go up if I make a claim? And will they make me pay a $500 deductible for a cracked windshield?
submitted by /u/whatlifemaycome
On the 15th of July my neighbours house went up in flames and destroyed our house in the progress.
Because of structure and safty reasons it took us 6 weeks to finally get into our destroyed house. Only to find out people had broken in and stolen some our belongings.
Our insurance will not cover all of the damage the water, fire and smoke damage has done to our belongings.
Is it possible to make a claim on our neighbours insurance as it was his fire that destroyed our items?
submitted by /u/FFRomee
If you get a check from another person's insurance company for damage to your car, and don't repair your car because it's just minor damage, what happens in the future if another person hits your car for minor damage again?
How can the adjuster know what is pre-existing damage or do they just pay for whatever they hit to be repaired regardless of pre-existing damage?
For example, if someone cracks your bumper the first time, it doesn't seem fair the 2nd person to hit the bumper is responsible for the crack.
submitted by /u/mbsell
So I had an outpatient surgery on May and I had recently started a new job just before the surgery. The surgery didn't go so well, but that's beside the point. I didn't have paperwork for my new health insurance (Aetna POS II) plan and so the doctor's office said I should pay upfront and file a claim on my own. No problem, I thought. Big mistake.
The total bill was around 4k, 2k for the doctor, 0.6k for anesthesiologist and 1.4k for the hostpital (I was there for maybe 4hrs). I put in the claim using CPT and diagnosis codes myself and it came back that the doctor was somehow out of network. I went back to the doctor's office and they said they routinely accept this insurance and the way they bill is by the office as a whole and the so the office NPI code is what insurance needs, not the specific doctor. So I forwarded that info to Aetna and they're now 'reviewing' it.
My big issue is with the bill for the hospital stay and anesthsia. Aetna is saying they need list of medical supplies used, anesthesia minutes, HCPC codes, and NDC codes and what not. When I called up the hospital they were very uncooperative and the lady was saying that since I was a cash patient, they would not be providing that information to me. She was adamant that I could not file an insurance claim since I was a cash patient. She said if insurance was involved they would have billed a much higher amount and that's why I can't file a claim. This doesn't make any sense to me.
What should I do?
submitted by /u/rieuk
About a month ago I had my yearly physical, which was covered 100%. I was just looking at my claim summary on the BCBST website and there is a line item for Alcohol Misuse Counseling. They obviously asked me the standard "how much do you drink a week" question as part of the physical but that was the only mention of alcohol, and I don't misuse alcohol and certainly didn't receive counseling. Seeing as how this was covered by insurance and I'm not paying for it, is this something I should care about addressing? I'm the only person on my insurance so I'm the only person that will see it. As a possibly unrelated aside, I can't find an EOB with CPT codes on it on the site, so I can't check what code they billed.
submitted by /u/pm_me_catss
On my way to work early one morning a deer ran right into my car. While another deer managed to jump over the hood of my car. It happened so fast that I didn't even actually see the deer that smashed into the side of my car. I felt the impact though. I pulled over to check out the damage. My driver side rear panel was crushed. My windshield was also cracked. I put in my claim. My car has been in the shop since June 2. I work an hour and a half away from home. Ive been lucky and have been able to ride to work with a friend. I get a phone call from the auto body shop telling me that upon repairing my door the ran into pre existing damage and we're unable to continue with repairs. They said they spoke with the insurance guy and he told them to try to patch it up as best they could. The shop to refuse to do so and was told to contact me about buying myself a new car door so they could finish the job. I told them that I would try to get off of work early to go and talk to him in person. I finally made it down there a week after I had spoken with him on the phone and my car was a mess. I explained to them that I couldn't afford a door and I don't remember the deer damaging the door. The guy that was repairing my car said he had to talk to the insurance guy about repairing a part of the door so that the overall job would look nice. Apparently the insurance guy gave the go-ahead. This is where they find the pre-existing damage. now they're looking to me to buy a whole new car door. My car is just sitting there at the repair shop with nothing being done to it. I finally got ahold of the insurance adjuster and told him I've been without a vehicle since June and I still pay a $600 car payment for car I haven't been able to drive. The insurance adjuster said that he was going to contact the auto body shop and see what was going on. That was nearly two weeks ago and when I call the insurance adjuster I get no answer to messages I leave. I finally got ahold of someone else at the insurance claims office. She told me that the claim was closed and they had sent the check out to auto body shop a few weeks ago. I'm so stressed about this whole situation and it's not like I can take the time off of work to make these phone calls. By the time I get off of work the insurance adjuster is already off the clock so it's been a hit and miss trying to get anyone on my schedule to see what my options are. I need help! Advice…. Please!
submitted by /u/trusty07
Our house was significantly damaged in a hailstorm with heavy rain and high winds. Our insurance company is covering the roof, many windows a couple of doors to the tune of roughly $65k. Our basement was also damaged by water during this storm. Our sump pit was in proper working order, but it couldn’t drain the water fast enough. There was a small amount of water that entered the basement from the actual pit (which insurance is covering.) More significantly, however was the water that entered from another part of the sump drain, causing damage to carpet, drywall and baseboard and necessitating their removal. We do have a rider for coverage from drain/sump backup. They are denying the majority of basement damage by saying it was flooding and therefore not covered. We have never had any water in our basement before. Even if water entered from the ground outside the house (through the foundation,) which I do not think it did, our gutters were completely clogged with hail and tree debris and were not directing the water away from the house as they were supposed to. I have spoken to the insurance company several times and gotten nowhere. I think the only other option is to contact our state department of insurance. Does anyone have other suggestions?
submitted by /u/tamomaha
I was involved in a car accident where the other driver drove off. It was a rental car where somebody other than the person who rented it was driving. The rental car company's insurance denied the claim because an unauthorized person was driving the vehicle, and the renter's personal insurance company found out who was driving the vehicle, but denied the claim and refused to provide a reason for denying it.
I do have uninsured/underinsured bodily injury coverage on my own insurance, but would that be applicable here?
Is the other person's insurance able to deny the claim without providing a reason for doing so?
What should be my next step?
Thanks in advance!
submitted by /u/throwfarfaraway303
I'm not too familiar with how insurance companies decide to raise insurance premiums, but I know that they raise it if you are at fault.
I just bought a new car and debating on whether to get dealership extended warranty or mechanical breakdown insurance from Geico. However, I'm told that the when using plans from insurance companies like Geico, it will cause your premiums to go up. Is this true? How can this be though if I am not at fault for the mechanical breakdown?
submitted by /u/ss90kim