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Came home the other night after kids' basketball games and smelled smoke while walking up on the porch. Thought it was my dad's shop, he keeps a fire going during the winter. Opened the door and the smell was awful. Saw soot around the air vents in the living room, unit was running. Went to try to cut it off, it wouldn't, had to end up cutting off the breakers. Soot around the unit itself, the filter was completely black. Air vent in kids room looked like it burnt right around it, could have been soot, didn't actually touch , son's blanket looked burnt, at least melted. Looked under the house, and all the plastic had burnt/melted. It's a mobile home, so it has plastic to hold up the insulation. There was a hole burnt into the side of the duct work. The vent in our bathroom had melted. I used to be with the fire department, didn't see any fire, checked everything I could, didn't see the need to have them come out.

I've never delt with insurance companies for stuff like this. There are a few things I'm worried about. I believe that the smoke is probably the largest issue we will have. Replacing the AC unit is the second. The house is only appraised at $20k, so with $20k for the house and $10k for personal items, I'm thinking they'll probably condemn the house. My wife talked to her cousin, who works for another insurance company, and she agrees that is probably going to happen. If they try to get us to get it professionaly cleaned, and replace the unit and get any other repairs, is there any thing else we should be worried about? I know it's not possible to completely give an account from what I've described, but is there anything I should be careful about?

Like, don't take any offers to repair the home? If they insist on repairing, can I have them work with the smoke/fire restoration company to make sure they get the smoke/smell out? Have them replace all insulation/plastic under the house? I'm wondering would they even cover the house again after this. Any help/suggestions would be most appreciated. Right now, we're staying with the in-laws, which is a blessing that we're able to.

submitted by /u/allenflame
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So basically I tried to be nice and jump someones car, however somehow the person inside the vehicle forgot to put the car into park and smashed into my car. This broke my driver side headlight and bent my bumper a bit so that my drivers side door won't open.

The driver doesn't have any insurance, and they actually fled the scene before I called cops. (However I'm fairly certain the cops have located this man and I'm pressing charges)

I only have liability insurance.. I'm wondering if I should even bother contacting my insurance company about this. It kind of sounds like my rates will just go up and they won't be able to help me? I can afford to pay for this out of pocket.. obviously would prefer not to.

Thanks.

submitted by /u/PugsandDrugz
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Hey guys this is the first year I have to sign up for insurance on my own and I just had a few questions. I am going through the process on the site and it brings me to this option " To make it easier to determine my eligibility for help paying for coverage in future years, I agree to allow the Marketplace to use my income data, including information from tax returns, for the next 5 years. The Marketplace will send me a notice, let me make any changes, and I can opt out at any time."

My main concern is that i've see some people say that if you enroll in this they could enroll you in healthcare that you don't want and without proper notice due to consenting to the statement above. Am I overlooking this? Im just generally lose and would appreciate any help someone could give.

submitted by /u/SenpaiShane
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This guy backed into me and did some pretty good damage to the front of my vehicle. We exchanged insurance info, name and phone numbers. I made a claim with his insurance, since he agreed it was his fault. His insurance and my self cannot get a hold of him. What are my options if he decides never to come forward?

submitted by /u/ahernandez810
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Wife and I are looking to get short term health insurance in NC for the year. If she gets pregnant during the year does the insurance cover the pregnancy?

submitted by /u/penone_cary
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Reddit - All Things Insurance.. by /u/grizzlyxjim - 14h ago

So if I let a person test drive my vehicle and they damage it, would I be covered? I've got liability only in utah, I'm not only talking about a collision but lets say that some person tries to throw it in reverse while going 50 down the road and it obliterates my transmission, or they put it in 4 low and try to drive top speed. I've seen people rev engines to an uncomfortable point and all kinds of weird junk when buying private party.

submitted by /u/GrizzlyxJim
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Wife and I became self employed in October and we are now without insurance. We applied for health coverage with CIGNA, answered some questions and were subsequently denied because we went through IVF last year (which the insurance did not pay). Was this legal for them to deny us for this? What really gets us is that CIGNA wouldn't even pay for IVF so what do they care what we do with our money?

We did go to the market place but paying almost $800 per month with a $15,800 deductible is not feasible for us.

submitted by /u/penone_nyc
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So my rented home was robbed and everything was going fine with my adjuster, then the one day she doesn't return a call I get a call from some investigator who wants me to sign a document and get it notarized giving "Allstate, its affiliates, and their employees, agents, representatives, or attorneys, all information regarding : bank statements or records, finances or installment purchases, credit standing or rating, auto, property and liability claim history, police reports, any and all insurance records and purchases".

The part that has me worried is the "any and all insurance records and purchases" part.

I also have renters insurance with Geico, even during the time of the loss but I know they're terrible with claims so I claimed with Allstate instead. Will the investigator find out about my other policy? My adjuster said that investigators can only see claims that I've made with other companies but I don't believe her. On a phone interview with the investigator I told him I wasn't insured by anyone else. I don't know what to do. Should I drop my claim entirely or just sign the form and roll with it.

Also is this guy one of those SIU people?

submitted by /u/Octoberthekid
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My son was involved in a rear-ended collision this evening. He was ticketed for following too closely.

No one was hurt, thankfully. His car will likely be totalled - there is significant damage. He also pushed the car into the next car in front.

He's 17 and this is his first ticket. The officer said he could likely do driving school to keep the ticket off his record.

My question is: if he does do driving school and the ticket is dropped, will our insurance still go up? We're in Virginia.

submitted by /u/tkstock
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