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?.

LA Series

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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Can you have Uninsured Motor Vehicle Property Damage Coverage, WITHOUT having Uninsured Motor Vehicle Coverage (bodily injury)?

Puffy Lux
Better water better life

According to the State Farm form, I can't have UMVPDC (Property Damage) unless I have UMVC (bodily injury) too. Is this true? Is this just a State Farm thing? I want the UMVPDC (property) in case my car incurs damages while parked (by vandals, etc), however I do not wish to pay for the UMVC (bodily damage). But, if I'm reading the form correctly, I cannot have the property damage coverage unless I get the bodily damage one as well. I wanted to know if that is common.

Thanks

submitted by /u/FlyingAces
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Would a necromancer need wrongful reanimation coverage?

Better water better life
Puffy Lux

Hi. Resident insurance nerd here.

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I was inspired by a post on r/gaming , "Necromancers – Just healers, but with bad timing."

But what type of insurance would certain classes need? (Not sure if it counts as just D&D) Like, what type of E&O would a healer need? How does a giant's health insurance work? Where does a rogue even fall?

Idk. Maybe I'm the only one that thinks about these things?

submitted by /u/ReasonableTomato7
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Insurance denied coverage of Colonoscopy (28M with Family History) Please Help!

Puffy Lux
Better water better life

Back in February 2019 I had a colonoscopy done because of family history of Colorectal Cancer at an early age, I am a 28 year old male. Back in December 2018 my brother who is 29 was suffering from rectal bleeding and had a colonoscopy done. They found a Pre-Cancerous Polyp and removed it. The Doctor recommended for me to get checked out since I am a first degree relative. Thankfully nothing was found. This is my first time having medical insurance and it has been a nightmare for me.

Roses

Since my colonoscopy was done Blue Cross and Blue Shield of New Jersey (I live and work in Connecticut but my employer, TD Bank, is based in New Jersey) has been denying responsibility for payment and claiming it wasn’t a medical necessity and that I had to pay it. A total of close to $3000. Since then I have been getting the run around from them on who to talk to. I have documented the dates, times, names, and referral number of every phone call I have made since.

Representative 1 told me to have the doctor fax a letter of medical necessity from and then it would be covered. The Doctor faxed the letter which BCBS let sit in limbo until I called back and asked Representative 2 about the status of it. Representative 2 sent the letter to appeals nearly a month after its been faxed to them. Person 3 who was a supervisor told me that was not how appeals are done and that my options were to have the billing code resent as Diagnostic Surgical Benefits with Family History and if that fails I needed to send in a letter of appeal myself. Well the billing code resend happened but BCBS still didn't want to pay soI ended up sending an appeal letter back in June.

The letter consisted of every name, date, time, and referral number of every phone call I did and how they all told me wrong information. As well as my brother and his Pre-cancerous Polyp and the Letter from The Doctor stating that they have asked me to see them and that it was out of medical necessity. And Finally the outcome I wanted from the appeal which was to have them pay it 100%.

About a week ago I received the letter denying my appeal. Though they took care of most of the bill, they are claiming that it is not “Preventative Care” and that my policy states that “In-Network Diagnostic Medical Service will be subject to your in-network aggregate deductible in the amount of $2000” and that they will pay 80% and I have to pay the other 20% which is over $1000.00 at this point.

When I read the “Preventative Care” section of my Benefits Package it states “In-Network Preventative Care shall not be subject to any Deductible, Copayment or Coinsurance.” When I further read the “Preventative Care” section nothing states colonoscopy. It mentions: Gynecological, Mammograms, Prostate Cancer, Routine Adult Physicals and “Additional Preventative Services.”

“Additional Preventative Services. Shall not impose any cost-sharing requirements, such as Deductible, Copayment or Coinsurance on any covered Person receiving them:

“1. Evidence-based items or services that have in effect rating of “A” or “B” in the current recommendations of the United States Preventative Services Task Force.” USPSTF list Colorectal Cancer: Screening as Grade “A” for ages 50-75. Nothing about under 50.

“2. Immunizations that have in effect a recommendation from the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention with respect to the Covered Person.” In the Colorectal Cancer page of the CDC website under “Prevention Tips” it sates: “Learn your family history of cancer and tell your doctor if you think you may have a higher risk.” Which I am at higher risk. “If you’re younger than 50 years old but may have a higher risk of colorectal cancer, ask your doctor if you should start screening before age 50.” Which I am under the age of 50 and The Doctor asked me to be screened. This is a screening I’ll need this procedure done every 5 years and I do not want to pay or have to go through this again with Blue Cross Blue Shield.

The only foreseeable option Is a second appeal. I am waiting for my brother’s medical records to be released so that I may use that as leverage in my second appeal. I am unsure if I should grab more records of family history. Should Print out the pages from USPSTF and CDC mentioning that I should get screened and send them with the second appeal? Can i threaten legal action? Are there any departments I should contact for helps/rights? I’m at my wits end and any advice/tips would be greatly appreciated. Thank you!

submitted by /u/BlueLaguna88
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Question about Rental Coverage

Better water better life
Puffy Lux

Hello all,

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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Does making a claim against a mechanical breakdown coverage plan cause increase in premiums?

Puffy Lux
Better water better life

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
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Need help with what type of coverage for my odd situation ?

Better water better life
Puffy Lux

Ok so I live on a family acre that is paid for completely. My grandmother owns it and she lives on it with my parents now(who take care of her). Well a few years ago my parents needed financial help so I moved here also and got myself a very small trailer about 100 yards from their house and ran electric, septic, the entire works myself. I can weld, do a lot of carpentry work, electrical etc. I can do almost anything around the house/land myself. Anyways I made a small picture to kinda show what we own. It is small but ours, we own everything out right. Nothing had a mortgate or bill on it. Even our 2 vehicles are paid off. Imgur

Ok so when I first moved here, after about the first year a Tornado came through and knocked down all of the 100+ year old trees on the land and destroyed the house plus made a hell of a mess that I am still working on cleaning up 2 years later on the edges of the property. It is so damn hot out and i'm only 1 person so I tend to just wait till Fall and Spring to really go run the chainsaw all day working on the old trees. Anyways, after the Tornado we lost the main house and had to stay with some family in town awhile. Myself and my father worked everyday on the land clearing the trees to make room for another trailer to fit there so we could get back home soon. Our church took donations and with family help we got a second hand trailer from some guy that buys forclosures and fixes them up. So we got a used trailer with a few water pipes burst in the walls and various odd problems that I was able to fix up. We got an electrical pole put in and eventually got the house livable(not really fixed up but livable). We moved in to get out of relatives homes etc. Then I bought my own small trailer and put it on the other side of the Acre for just me and my dog and it had worked out fantastic. The main reason I am writing all of this is that since everything is paid off and the trailers and even the aging vehicles are not really worth anything. We have no real insurance for an emergency. We have auto insurance that is the minimum since I am the sole financial provider here for myself, my mom and dad, grandmother(89), older sister, and her 13 year old son. Nobody else is working right now. Last time we were living similarly but when the tornado destroyed the home we were left penniless. I was curious what TYPE of insurance I would want to look at for the houses or land etc so that if another Tornado or something hits I could recoup a little money to at least get us another cheapo second hand place to put back on the property. We live in an area that is prone to tornadoes and it is kinda scary to wonder if I will lose everything anytime there is a big storm coming. I have an f150 2010 model & a Honda Fit 2009 (mothers), that I pay insurance on but they are paid off and both run quite well so far. I don't know if this would be better suited for Personal Finance, but I would like to find out about some kinda insurance ideas too. For emergencies. I am afraid one of the trees that are starting to get rotted will fall during a storm and crash through the roof. I am already making plans to try and get trees cut though.

Help??? Sorry for such a huge post, make sure you look at the lil picture i linked for reference => Imgur

submitted by /u/575745552
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Does having limited tort auto coverage prevent me from getting any kind of pain and suffering settlement?

Puffy Lux
Better water better life

None of my injuries would be considered "serious" under the statute. I understand that I would be prevented from suing for a more generous settlement, but do insurance companies tend to throw in a small amount for pain and suffering to ensure I sign a settlement?

submitted by /u/ChronicApathy-
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Gap in car insurance coverage

Puffy Lux
Better water better life

Hi! Currently my husband and I share a car (both of our names are on the title) and are both on the insurance policy. We recently moved from PA to CA and are still covered while we register the car in CA and get state residency, etc. I will be moving to WA for grad school in the fall and will depend solely on public transportation and ride-shares. Should I become a CA resident to stay on the car insurance policy? If I don't and there is a gap in my coverage will I later be penalized for it (with higher rates or something like that)?

	 GlacialPure Filter for Frigidaire WF3CB, PureSou

Thanks!

submitted by /u/earroyoh
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Does “uninsured” motorist coverage also cover underinsured motorist scenarios?

Puffy Lux
Better water better life

I was by a car while riding my bike. I am now learning about my insurance coverage.

I love in California. I have auto insurance through Allstate. My policy includes "uninsured" motorist coverage. It does not mention anything about "underinsured."

My question: Am I covered for a scenario in which another motorist is underinsured? Are these terms synonymous? Meaning, Uninsured = Uninsured/Underinsured?

Or was I supposed to add underinsured to my policy in addition to uninsured?

Thanks for any help. Just trying to learn as much as I can before trying to handle this.

submitted by /u/Sprockethead
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