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Somebody backed into my Jeep in a parking lot and drove off. Happily, a witness saw it happen and took pictures of the car (with plates) and the police have the photos.

No word yet from the police, but in the meantime, I got my Jeep fixed and paid a $500 deductible.

I'm confident they'll track the other driver down, and my insurance said when they do, hopefully I'll get my deductible back. But this whole process was a pain in the butt. I had to drive here & there for the repair, I had to pay for the police report, there's a couple of little things on my Jeep that I have to replace (badges, decals, etc).

Is it possible to go after more than the deductible?

EDIT Downvoted? Haha, OK, whatever. I'm new to this sub. Will delete and never return.

submitted by /u/djcamera
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Hi guys!

So I live on the bottom floor of a three story house. The first floor is a separate apartment with three rooms with individual leases. I noticed some water dribbling through the vent in my ceiling. I made a point to call my landlord that lives upstairs. Then water was practically flowing down into my room from the vent. Turns out, they had some kind of leak in their kitchen, which has a floor vent that is connected to my ceiling vent. This caused a lot of panic and they called the city to turn the power and water off in the house.

This happened yesterday and I am staying with family. I called my renter’s insurance and sent them pictures of everything. My landlord called today and said they have people there to fix it now, but my insurance is still reviewing my claim I put in yesterday. My bed and mattress are ruined and so are the floors in the room. I had lots of clothes on the floor and things stored under the bed when this happened. I am hoping to get as much as possible, since I have planned to move at the end of the month anyways and I really want to move into my new home with a bed. What do I do?

submitted by /u/missnomad
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When I received my insurance renewal notice for my vehicle, I noted that there was a rate increase that would cause me significant financial hardship (Times are tough already). So, I called up my insurance company and asked them if they could cut me a better deal to keep me as a customer (I also checked with a competitor or two, who's rates were even higher).

Fortunately (Or so I thought), I spoke to someone who was sympathetic, and who lowered the rate on the renewal offer. This person was a little cagey on how it was done beyond that it was an insurance review or something of that nature, but it seemed like my problem was solved.

Unfortunately, I saw on the website later that both my field of employment and education level had been changed. I did not request they be changed or approve any changes, nor did I say anything on the phone to indicate that they had changed (Because they hadn't). However, both changes would have likely resulted in lowering my insurance rate and are essentially impossible to justify as reality-based (This isn't a borderline situation where someone could jump through logical hoops and say that technically I am in that field and have that education level, or that they are the closest thing to my situation that is available in the system.). I am assuming that this is what the person I talked to on the phone did to lower my rate, though the person did not mention to me that he/she was doing these things.

I have some time before the first payment that agrees to the rate renewal goes into effect.

I live in the state of Maryland, so presumably this situation is governed by Maryland law, if state level laws are involved.

So, here are the questions:

Given that I didn't request or approve of these changes (Apart from my generic request for my renewal offer to be lowered and approval of it being lowered without knowing what had specifically been done), what is my liability here?

Do I have an affirmative legal obligation to contact them and say "Your person got these wrong" or is their mistake their mistake, and something I can sit back and take advantage of until such a time as I am asked a direct question on some subsequent renewal or something?

If I correct it before renewing, do you think a phone call would be better, or should I simply edit them back using the website? I am curious about that both from a legal perspective, and also from the perspective of whether I might be able to keep the better renewal offer if I edit the information online instead of calling and perhaps triggering a review and a change in the offer.

Similarly, what about calling back, saying these were wrong, and asking them to honor the new rate they quoted me anyway, because it's not my fault that the changes to my "profile" were made? Do they have a legal obligation to honor it? If not, is it at least worth asking them?

If it is legal to leave things as their employee left them and take the renewal offer, would that allow them to deny a claim later on the basis of these "changes"?

I feel like I had one problem (A renewal rate I couldn't deal with financially) before I called, which I thought I had at least partially solved, but now potentially the original problem is back and I have a second problem to add to it with this legal stuff.

I feel kind of bad that the employee who offered me the lower rate might get in trouble if I blow the whistle on this, as she was clearly only trying to help me. However, she was the one who knowingly did things this way (Presumably), I didn't ask her to do it or accept it (We never discussed it), and I have to protect myself first and foremost here. This is something I would have never approved of (I thought I was asking about legal options for reducing my rate that could be offered to people who called to complain to retain them as customers- the way people do with their cable companies). But now I know about it (Seemingly).

Bottom line is I need to make sure I have no legal liability, or limit it as much as possible ASAP. Secondary to that, I would like an insurance rate I can afford (i.e. The second quoted rate if possible).

Paying the first installment of the renewal in an attempt to lock it in isn't an option for me right now as I can't afford to do that until my payment would normally be due near the conclusion of my present "term" of insurance.

Thoughts?

Crossposted to /r/legaladvice

submitted by /u/TossSomewhere
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So it's 4:30am and I just returned from the ER at the on-base hospital in yokosuka, Japan. I'm a contractor here for work, with signed orders allowing me to use base facilities, and my family is here visiting for a few weeks. The ER visit was for my 2 year old daughter who had a 104 F temperature, and it was the ER because it's the only facility open in the middle of the night on the weekend.

As we were wrapping up the doctor mentioned that I might get a bill in the mail, which surprised me, because I thought my orders allowed me to use base facilities and I wasn't aware that the base hospital charged for their services. I, maybe naively, assumed they were free to those allowed to use them. Since I had orders and I was sponsoring my family, I thought I was good. I pressed the doc for any info about the bill but he had no idea about anything, he just said that if a bill did show up, my insurance should cover it.

So I guess my question is, should I expect a bill? How large of a bill? It was maybe 2 hours in total, to include an examination of my daughter's throat, ears, temp and hr, diagnosis of "wait and see", attempt to administer medicine orally, administering medicine rectally, and a prescription for future medication.

This is pretty much my only question as I've never used my health insurance before (I live in Mexico (and work in the US) and healthcare is cheaper there than paying a deductible in the US) so if you all feel like I should expect a bill I will have to go figure out how my insurance works and if I can expect this ordeal to be covered. Also, since it's relevant, my daughter is on my health insurance plan.

If there's a better navy-related sub to post this to, feel free to let me know. Thanks for any information.

submitted by /u/bored_yet_hopeful
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I recently switched jobs and joined a new group extending healthcare benefits plan.

My former employer also provided benefits from the same provider (Manulife). I spent all of my allotted optical benefits on that plan last year.

Unfortunately I’ve managed to break those glasses and need some new ones, the amount which on paper should be covered under my new plan. I think all should be fine, but since the policy is $X every three years, is there any chance that Manulife will see that I made a large optical claim last year and refuse to honor this one, even though it’s on a completely new plan?

Thanks in advance!

submitted by /u/ThirstTrapJesus
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Hi there! I'm really hoping that someone can give me some advice and direction as to where to go with my issue. I also want to say that I'm extremely new with dealing with these things, as my dad handled everything.

Story -

My father died earlier this year in April. My mother and I have been under his car insurance since god knows when. In late May, I called AllState to obtain renter's insurance (Since State Farm booted me for filing a claim last year) since I found an AllState card in my car. I thought that since my father had passed, that maybe I should get the policy under my name or start a new one. I spoke to the lady on the phone and explained the issue. She set me up with renter's insurance, but I unfortunately couldn't pay for the new car insurance policy at that time. She asked if I could make a payment within 30 days and I said yes. I decided to stick on the original policy until then. A few weeks passed and on June 21, I called in and made a payment to the car insurance and renter's insurance for $230. Or so I thought. On July 2nd of this year, I was involved in an accident. I called AllState to file a claim on the policy number they gave me, but found out that I wasn't insured. The original policy that my dad held went into cancellation status on July 1 due to no payment (my mom apparently didn't pay it) and the one I originally called in to create was never created. It turns out, the $230 I paid was for renter's insurance entirely. My claim was obviously declined and after fighting with them on July 2nd, the car policy that was supposed to go into effect on June 21st went into effect on July 3rd. I also recently got a call stating that the driver I hit is filing an injury claim (which is bogus, you can read why below)

After speaking with my agent, they had promised that they'll try their best to get the original policy activated again without lapsing (I'm still on that policy, they never removed me - only my dad). No promises could be made though. My next course of action is to see about getting those calls pulled that should prove that I intended to pay for the car insurance in June to activate it.

I'm really new to all of this, as I said. My dad used to handle all these things and all I wanted to do was to get renter's insurance and car insurance under my name. It's very disappointing and frustrating. I feel like I'm being royally screwed by AllState. From what my agent said, I had total coverage excluding the day of the accident. Literally that day.

My questions are -

What can I do at this point?

If all fails, what kind of punishment am I looking at? Additionally, is there any sort of assistance financially?

Minor details -

I barely live on a budget. I don't make a lot of money and my bills are sometimes higher than what I can afford. I'm looking into a second job, but it's not a instant process. Hiring lawyers and such are almost out of the question, it seems.

The accident was not a super bad accident. I hit the driver in the rear, passenger side wheel. His tire and wheelcap were destroyed with some cosmetic damage to the body of the car. I hit him going maybe 5mph, since I was slowing down to change lanes and turn.

The driver was not injured, he even stated that to 911 when it was dialed. During the whole ordeal, he kept making fake complaints about how he was hurt though. He was able to get up and walk around without any issues.

The accident happened in KY, which is a no-fault state.

Any sort of advice or direction on how to handle this, would be great. I'm really looking for advice on how to get AllState to realize their mistake and cover that day.

submitted by /u/swindlingtree
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Back in March I was driving back to campus and I got rear ended. The guy was at fault said he got distracted. The car is in my fathers name and the insurance company paid to have it repaired. In May my father received a “Release if All Claims” form for injury from the guys insurance ,but it was in my name. I been away at my college campus and I am just now finding out about the release. I don’t see an expiration date on the form. Do these release forms have expiration dates to sign and send back?

Thanks

submitted by /u/AvonTrefle
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I just recently got engaged to my fiancé and my uncle passed down a diamond for use in a setting. The ring was appraised at $10,000, but under the appraisal document, my jeweler noted that the passed-down diamond 'has a small chip on the girdle extending down the pavilion'.

My current insurance provider and my fiancé's will not take on the risk.

I've checked with Jewler's Mutual, but they were hesitant to take on the risk as well. Any ideas? I want this thing insured!

Sack

submitted by /u/Sackadelic
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Hello I'm in Western PA and my basement flooded due to a cracked pipe, insurance came and paid out a decent amount for contents being replaced and gave us some money to get the floor fixed and to repair the pipe and wall where it leaked from.

My dad is very handy, basically built his house from scratch and he'd be offended if I didn't let him come help fix this. However an email I got this morning from the insurance company said I have to submit photos of final repairs and a copy of the invoice to them from my contractor I use to fix the issue.

I planned on paying my dad some to help fix it can we just create an invoice for him and submit that? I don't want to accidentally commit insurance fraud in any way.

submitted by /u/haladult
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We live in a large condo complex. Last August we were flooded by a unit above us due to a plumbing issue. An insured plumber came in, worked on a unit's main water line, left, and then something failed. Since no one was home at the time or in any unit below, the water poured for hours until it got into the garage.

1) Our personal insurance company (umbrella) has been very good to us. We moved to temp housing for about 6 weeks until we were able to rent a longer term month to month house. That being said, we have been out a lot longer than anyone ever expected. We were told Dec, Jan, Mar, July, and now August (year later) move in date. We have obviously blown through our housing allowance and are now out of pocket for rent.

2) We have been told that we need to fix some things: First, our front door (which never had an issue before this) does not easily lock as it is off a bit. We believe this was due to the remediation crews who had the door propped open when they were gutting and removing debris. We have video from August showing that it didn't easily lock. Our HOA is saying that we have to replace it for $1500 as quoted by the contractor working on the unit. Second, we were told that our water heater needed to be replaced as it was past its life time. (I bought this unit new in 2011) I was shocked to learn that the replacement unit was $5450. This is due to it being uniquely tied to the HVAC unit which was replaced. The HOA's insurance was covering the reinstallation but we would be required to pay the rest. Even if the unit was past its life, we had never had an issue with our water heater and feel there was plenty of life left in the unit. I feel like we are getting pushed around and even fleeced on this but I don't have any experience.

Given the out of pocket cost from point 1 and 2, what is the best way to proceed? Does this all get lumped into subrogation with our insurance company fighting the HOA's and plumber's insurance? Thank you for any help or direction you can provide.

submitted by /u/WPKDLL
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