• Any Lawyers out there, with any insight on Home Insurance?

    My mother had a brain hemorrhage, she was left mentally incapacitated, she is long term care due to both her mental and physical incapacitate, during this time her home was vandalized and squatters moved in, they destroyed her home, I was unable to have the squatters removed for 7 months due to the legal system,... show more
    My mother had a brain hemorrhage, she was left mentally incapacitated, she is long term care due to both her mental and physical incapacitate, during this time her home was vandalized and squatters moved in, they destroyed her home, I was unable to have the squatters removed for 7 months due to the legal system, the judge eventually had them removed. When I was able to enter my mother home, it was destroyed. It took me a year to repair and get it in livable condition, I spent close to 90K in the year to fix, I have gone into debt tohave the home repaired. My mother never mentioned that she had home insurance coverage that would cover the vandalism. My mother never told me that she had insurance, it wasn't until I did some discovery based on a friends recommendation that I should look to see if the insurance will cover the costs of repair that the vandals had caused. I was denied from the insurance company, the reason was that my mother did not file the claim within 60 days of the incident. My question is, if my mother is mentally incapacitated is she responsible to file the claim within 60 days? Should she have been denied due to her mental incapacity? The insurance policy is between the company and my mother, but I filed the claim as soon as I found out that she had insurance, again she didn't tell me that she had insurance. Do you think that my mothers disability/mental incapacity tolls the 60 day deadline that the insurance company provided?
    5 answers · 1 day ago
  • Best insurance companies?

    I don't want to know who the cheapest are; I want to know which ones will actually take care of you. To me insurance is essentially legal fraud - If I have to pay for it, I at least want actual peace of mind and no run around bullsht excuses. If my truck happens to get abducted by aliens, I want that sh!t... show more
    I don't want to know who the cheapest are; I want to know which ones will actually take care of you. To me insurance is essentially legal fraud - If I have to pay for it, I at least want actual peace of mind and no run around bullsht excuses. If my truck happens to get abducted by aliens, I want that sh!t covered.
    7 answers · 2 days ago
  • Is it too late to get life insurance?

    I was in perfect health but after a recent car accident my health has gone downhill. I now have high blood pressure and severe anxiety attacks due to the accident. So am I no longer eligible for life insurance? I just want $50,000 coverage.
    I was in perfect health but after a recent car accident my health has gone downhill. I now have high blood pressure and severe anxiety attacks due to the accident. So am I no longer eligible for life insurance? I just want $50,000 coverage.
    28 answers · 1 week ago
  • I had a great doctor for the last 30 years. Hussein Obomba comes along and tells me that I can keep him but then takes him away. What gives?

    Best answer: Its a widely known fact that Democrats are liars. If they say you can keep something, they're probably going to take it away. Then they'll deny having said you could keep it, and they'll blame Republicans for taking it away.

    That's just how this process works.
    Best answer: Its a widely known fact that Democrats are liars. If they say you can keep something, they're probably going to take it away. Then they'll deny having said you could keep it, and they'll blame Republicans for taking it away.

    That's just how this process works.
    9 answers · 5 days ago
  • Are Insurance Adjusters Encouraged to Quickly Settle Their Small Dollar Cases?

    I have an auto accident insurance claim that I value to be about $8,500.00 (total - to include medical bills, lost wages, and pain and suffering). I read online from some anonymous former claims adjuster that his big auto insurance company encouraged him to settle small dollar cases ($10K-ish or less) very quickly.... show more
    I have an auto accident insurance claim that I value to be about $8,500.00 (total - to include medical bills, lost wages, and pain and suffering). I read online from some anonymous former claims adjuster that his big auto insurance company encouraged him to settle small dollar cases ($10K-ish or less) very quickly. Even when they suspected they were maybe being lied to, he said his boss encouraged him to pay the amount, b/c it'd cost more to fight him in court. And, they'd waste time/money having to pay staff, who are not working on a small dollar case, instead of bigger dollar cases. Is this true? Does that mean my $8k-ish case would likely be easily settled and it'd be a bad idea for me to get a lawyer?
    7 answers · 1 week ago
  • Why is my doctor now charging me out of pocket, when he previous submit claims through insurance less than 2 months ago?

    Best answer: The only way that it would impact you at all, is if you are covered by your states expanded program or have a subsidized plan that the tax payers are paying for. If you have the states expanded Medicaid programs, then the states are already supposed to be fully responsible for them, yet they haven't paid their... show more
    Best answer: The only way that it would impact you at all, is if you are covered by your states expanded program or have a subsidized plan that the tax payers are paying for. If you have the states expanded Medicaid programs, then the states are already supposed to be fully responsible for them, yet they haven't paid their fair share and picked up their part of the tab. If you have a subsidized plan, hen the insurance company has decided to use you and all their plan holders as hostages against the federal government.
    5 answers · 4 days ago
  • Should You Ever Tell Claims Adjuster What Dollar Amt. You Want Upfront?

    Suppose I value my auto accident at $10,000. When you negotiate with a claims adjuster, should you ever tell them what you want up front (and, if so, when)? Or, would that totally deplete your "advantage" and allow them to low-ball you slightly (to discourage you from seeking a lawyer)?
    Suppose I value my auto accident at $10,000. When you negotiate with a claims adjuster, should you ever tell them what you want up front (and, if so, when)? Or, would that totally deplete your "advantage" and allow them to low-ball you slightly (to discourage you from seeking a lawyer)?
    13 answers · 1 week ago
  • Questions on my eye exam form ?

    What does vision plan name mean ? Insured name and relationship to patient I’m 25 using my own insurance
    What does vision plan name mean ? Insured name and relationship to patient I’m 25 using my own insurance
    5 answers · 5 days ago
  • My health insurance is private through my employer so they won't talk and my doctors aid will not reply to me. What should I do?

    I had my claim for an MRI denied by my health insurance when my doctor requested it and have since then been told that it was because I did not meet medical necessity criteria. Blue Cross Blue Shield will not talk to me about it and told me to talk to my doctor but when I call my doctor he doesn't reply either... show more
    I had my claim for an MRI denied by my health insurance when my doctor requested it and have since then been told that it was because I did not meet medical necessity criteria. Blue Cross Blue Shield will not talk to me about it and told me to talk to my doctor but when I call my doctor he doesn't reply either what should I do? I've been told that he can do a peer-to-peer in which he talks to my insurance to appeal this denial but I would like for there to be more dialogue and information before that decision is made. Is that reasonable?
    6 answers · 6 days ago
  • Do insurance companies require that I list Independent Contractors on my liability insurance policy?

    Liability malpractice insurance question: As a Doctor and owner of my own practice in Florida, do insurance companies require that I list Independent Contractors on my policy? I have 3 Independent Contractor Providers working for me and they each have their own malpractice insurance coverage, do I still need to add... show more
    Liability malpractice insurance question: As a Doctor and owner of my own practice in Florida, do insurance companies require that I list Independent Contractors on my policy? I have 3 Independent Contractor Providers working for me and they each have their own malpractice insurance coverage, do I still need to add them to my policy?
    6 answers · 1 week ago
  • I got injured while I didn't have a job or health insurance. Does this have an effect on health coverage?

    Best answer: https://www.healthinsurance.org/obamacare/miss-open-enrollment-youve-got-options/ Under the ACA (affordable care act), pre existing conditions are covered. BUT, the question is, did he buy his health insurance during open enrollment or a “qualifying” event? If not, then any policy he purchases (can) exclude... show more
    Best answer: https://www.healthinsurance.org/obamacar...

    Under the ACA (affordable care act), pre existing conditions are covered.

    BUT, the question is, did he buy his health insurance during open enrollment or a “qualifying” event? If not, then any policy he purchases (can) exclude pre-existing conditions. Since the reason for the specific open enrollment and qualifying events is to prevent someone to buy a policy (outside) that time frame and get instant coverage (after) they find out that they need it, but if not, then they would have decided to be uninsured.

    The problem is that an MRI is expensive thus insurance may want the doctor to choose other options instead (before) they (might) approve it. We are only making guesses, so today, can call them and have them clarify for you.
    10 answers · 2 weeks ago
  • Is medical insurance worth it with a low paying job?

    I work full time and get 10.50 an hour. Every two weeks I get paid it’s usually around 650 after taxes. I rarely go to the doctor, but my mom says I should pay 50 dollars each pay period for medical benefits Incase something catastrophic happens. I’m not so sure. What do you think?
    I work full time and get 10.50 an hour. Every two weeks I get paid it’s usually around 650 after taxes. I rarely go to the doctor, but my mom says I should pay 50 dollars each pay period for medical benefits Incase something catastrophic happens. I’m not so sure. What do you think?
    11 answers · 2 weeks ago
  • How to find lost Bank Accounts/Life Insurance policies.?

    My father passed away 3 years ago we was never really close the last 3 years of his life he lived with me he was in his 80s when he died. We never talked about wills and things the last few years of his life he lived off his work pension. He sold his House years ago I'm convinced somewhere there is my dads... show more
    My father passed away 3 years ago we was never really close the last 3 years of his life he lived with me he was in his 80s when he died. We never talked about wills and things the last few years of his life he lived off his work pension. He sold his House years ago I'm convinced somewhere there is my dads money I was his only son I have no idea how to track down any bank accounts or life-insurance policies. I no longer live in the city where I was born if anyone has any information on how to track down such things please reply to this question thank you
    15 answers · 2 weeks ago
  • Health Insurance for Infant?

    Best answer: You can't "leave" your mom's health insurance, but you can buy your own - just like you buy your own car insurance. You'll have to wait for the next open enrollment period. It's not going to be cheap. Once the baby is born, you add the baby to yours - or buy the baby a stand-alone... show more
    Best answer: You can't "leave" your mom's health insurance, but you can buy your own - just like you buy your own car insurance. You'll have to wait for the next open enrollment period.

    It's not going to be cheap. Once the baby is born, you add the baby to yours - or buy the baby a stand-alone policy - and you just pay for it every month.
    7 answers · 1 week ago