insurance

  1. R

    [Ohio] "ALLOWED" but claims being denied because I voluntary quit a job PRIOR TO the job I was terminated without just cause

    Hey all. So I'm actually a lawyer, so I've already been delving into this a bit myself. But I am an immigration attorney, so UI is definitely not my expertise. I strongly feel I'm in the right here with how I'm reading the law, but would appreciate any guidance. Here are the underlying...
  2. G

    My 9 y/o roof damaged three times in last year, can I reopen old claim or do I need a new claim?

    I moved into a new house last year with a now 9 year old roof(house built in 2012) and have had shingles blown off three times now. I live in suburbs of PA in a not so windy area, just lots of crazy storms this past year. 1st time - 20-25 shingles either repaired or replaced with drywall damage...
  3. M

    Withdrew Payment??

    One of my coworkers is facing a challenging insurance dilemma. Initially, their primary insurer, lets call ”H”, covered numerous medical expenses for their children. However, things got complicated when their ex-spouse added the children to his insurance “B” as a secondary insurance. Despite my...
  4. D

    $3,100 for a medication that costs $795

    I could really use some help. I have been battling for weeks now and I am at the end of my rope, I don't know what to do. I recently started a new job and I got a new insurance policy. I have a $3,200 deductible and as it turns out my plan does not offer coverage for my only prescription...
  5. T

    Help! I may have made a mistake:/

    I have no idea what I’m doing - I haven’t had insurance for years. I’m (F 39 Florida) staring down the barrel of 40 so I thought I’d get insurance. I talked to an agent (I did get her name and a copy of her insurance license at least) and we talked about a bunch of plans and I qualified for a...
  6. M

    Water damage / neighbor / lawsuit?

    9 months ago, above condo unit kitchen fire triggered the fire sprinklers and caused significant water damage to 10+ units, including mine, in a high rise. My unit is a rental, and my tenants had to leave. My insurance only covered around 6 months of lost income. I have a claim with the...
  7. K

    House insurance - what number to insure?

    FHB. Do people insure the full value of the property i.e. how much I pay for it (land and improvements) e.g. $1.5m? Or just for the improvements (buildings etc.) without the property land value e.g. $600k? Do I still get contents insurance? I assume my contents isn't included in the house...
  8. H

    Progressive E-sign discount

    I got an awesome quote from Progressive. However, the lady on the phone said there is a “e-sign” discount that has been included in my quote which will expire in 6 months. She was unable to tell me by how much my rates would increase at that time. Anyone have any experience with this? I don’t...
  9. G

    10km/h over in Canada

    I am wondering what car insurance companies can actually see on your driving record. If 10km/h over doesn't give you any demerit points can an insurance company truly see it? Additionally, when getting car insurance it is asked how many speeding tickets you have gotten and what dates. Are you...
  10. S

    Affordable car insurance for high risk drivers in Texas?

    I’m 19f and have been in 4 accidents in a year. I have non-owners car insurance but it only works for cars I don’t own and can’t be available to me for regular use. That means I can’t use my parents car because I live with them, and I’m not going to ask a friend to put my car in their name...
  11. F

    [Pennsylvania] PUA nightmare almost over!! Hang in there.

    Hey community, So I’ve posted my frustrations and asked questions in regards to PUA. So after waiting nearly 11 months, I received a text 2day saying that an UC examiner was gonna call me in 2 minutes. I got so excited!! So I received a call, literally a minute later, and the first thing the...
  12. D

    No car for 3 months and can’t get anywhere with claims

    Had an incident where I hit something in the snow on the road in the middle of January. Car smoked and shut off. I work at a dealer so I’m pretty well versed with cars, got it towed up and found I lost compression on 2 cylinders and the engine is now toast. Made a claim same day and my adjuster...
  13. K

    Buying Delta Dental insurance for one month and then stop paying premiums

    I paid for an oral exam out of pocket, and the doctor thinks I need a $1900 crown, in Massachusetts. Question: I found a $70/month Delta Dental plan that has no waiting period and no annual benefit maximum...
  14. E

    In the U.S.A. I've lost my rights to a local pharmacist

    Sweeping across every corporate office is united health care, which uses optum (internal subsididy) with terms that one may only be covered for mail-in meds. For me this has meant gaps in medication. I have fought tooth and nail against the system but it's too big, too established already.. and...
  15. S

    I will have 2 insurance policies (where I’m the primary) for one month. Do I need to list both when I got to my doctor’s appointment?

    I have 2 full time jobs. I have insurance through Job A until the end of the year (12/31/2022). I also recently started Job B last week and signed up for insurance through them which will go into effect 12/1/2022. I’m pregnant and have 2 doctor’s appointments coming up in December. I’ve already...
  16. S

    Any P&C agents with traveler’s here??

    Just wondering if there is any inside news that might come out shortly regarding SC,GA,CO, NY,NJ,CT? 🥲
  17. S

    What VUL really is

    First things first, yes I am an insurance advisor. And no, I’m not going to say how VUL is the best investment you can ever get. I really just want to educate as many people as I can about what this really is for. Please do not believe FAs who would tell you that (a) it is an investment with...
  18. S

    Auto insurance question

    I have a new job where I use my personal car to visit people at their home and I am reimbursed for kilometers driven. This happens about 3 to 7 times a week. I am an employee and only use the company fleet vehicle when there is need to have a lot of equipment for the visit. Do I need...
  19. K

    HDHP w/ 3 small kids?

    Thanks in advance for thoughts on this: I’m married w/ 2 kids and another due in December. We are currently insured through Kaiser Permanente on my wife’s plan due to relatively low premiums ($5,850 annual for family), office copays ($20 / $25 specialty), and ER copays ($250 - i.e. our cost for...
  20. R

    Progressive car insurance wants me to pay more than deductible

    I drove thought flooded road and my car got damaged. The insurance company doesn’t wanna pay for all the hours the shop quoted for, so they want me to pay for labor cost of 2.8 hours, which is $494 after I already paid my $500 deductible. Is this normal? How do I argue? I told the insurance I...
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