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Looking for some legal advice for the following scenario. Joe = Canadian Citizen, insured in Ontario w/coverage for USA.

Joe was driving in a parking lot in Florida (5km/h) and a pedestrian popped up with shopping cart, and the car hit the shopping cart which made the pedestrian fall on his/her butt. They were totally fine, called the cops/ambulance. Car had barely any damage, and police were contacted, a police report was completed. There is also surveillance footage of the accident from the store's cameras. The accident was not reported to the insurance company (may have been foolish) because Joe figured if there is no claim to the insurance, there is no need for reporting.

Fast forward 5 weeks later, the pedestrian's lawyer has notified Joe's insurance company that they will proceed to seek injury damages (so far no amount, just a notification). The insurance company called Joe, and he complied, gave all the details of the accident, along with police report. Insurance is now trying to find a way out it seems, saying Joe "MAY" have breached the policy terms by not reporting the accident, but they have to look into it.

  1. In the car insurance policy, there is NO mention anywhere that an accident MUST be reported or a claim will be denied.
  2. In the mean time the insurance company has sent a NON-WAIVER agreement, which they want my friend to sign. "You are being asked to sign this document as you may be in breach of a term or condition of the insurance contract and/or an exclusion may apply".

Joe will now obviously consult with an insurance lawyer but can the insurance company deny the claim?

Let me know if I left out any important info.

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I make about 60K/year and have about 20K in liquid assets (savings account) and 30K in retirement savings.

Is 100/300/100 overkill for liability insurance?

Thanks

submitted by /u/throwawayacoustic999
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I got one official estimate so far from an other insurance companies approved auto-body shop. They did a photo estimate. They approved it and are willing to send me a check. The amount is about the average of what I was quoted off-the-record by a few other body shops.

Should I just take it or get more estimates? My concern is that if I get another estimate and the amount is lower that they will take retract the first estimate? Please advise.

submitted by /u/danfromma3202
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I have a generous BC/BS PPO plan. I currently see a therapist weekly for Generalized Anxiety Disorder and I submit documents for reimbursement; they reimburse the majority of my out of pocket cost.

I just started seeing a sex therapist specifically for sexual issues. After our first appointment, she used the same diagnosis code that my other therapist uses-- F41.1, GAD. I haven't submitted a claim for reimbursement yet, but my question is: will insurance deny my claim because I am seeing two therapists for the "same" diagnosis? Should I ask my therapist if she can (ethically) use an alternate diagnostic code, or should I go ahead and submit the claim including some explanation in the form?

submitted by /u/farrahpy
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I'm shopping for a new car and with that need to shop for auto insurance. It's been a couple years since I've owned a car and thus had insurance. Straight up, I'm looking for recommendations on best insurance (customer service, claims processing) combined with best rates. The lowest I've quote I've seen is Geico for $136/mo. Liberty Mutual is $138, which I have for renters and earthquake.

I know there are a lot of options out there and people have different experiences with different carriers. Who's got the best rate with the best service?

*EDIT* - I'm not asking for anyone to do shopping for me. I'm asking who's had really good experiences with their carrier at a rate that doesn't take dinner off the table

submitted by /u/jgil584
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Hello, so this is a little confusing for me, wasn't sure how to phrase it well in the title.

I got into a minor car accident recently out of state and I believed myself to be at fault since I was merging into the lane. I got a ticket for an unsafe lane merge and I had actually told the other driver that I would be willing to pay for the repairs because I didn't really want to go through insurance and I had assumed (dumb) from looking at the damages it wouldn't be as bad as it was. My side damaged side is right passenger, the very front side of my headlight. Mostly paint scratching off, no bumps. His side is more towards the door side and above the wheel, there is a bump and paint scratched off. No injuries. He had two people in the car while I had one.

Fast forward I got a quote from the other driver on the damages of the car. The quote was almost 2k. I couldn't afford to pay that out of pocket and also with speaking with some of people concerning this. They also believe the other driver to be a little at fault as well with the way our vehicles collided. It could have been both of us were a little negligent and thus the accident occurred. Not sure, but they told me to go through insurance and say it like that so they can delve deeper and have insurance deal with everything. I explained to the other driver that the quote was much higher than I expected and if we could just go through insurance.

I get a message back asking how much I'm willing to pay for the repairs. I was honest, saying about $650, maybe more but not over 1k. He then messages me saying if I was willing to pay 1k then he would pay the rest.

I'm honestly a little confused as to why he said that? Some people say he might do this and then still go through insurance. I spoke with people and they said if I do this then I better get it in writing and recording saying that if that's true then we are squared for the damages. What should I do? Should I just do it or should I still push through for insurance? Anything helps to help me clarify things.

submitted by /u/prickly_pears56
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I am currently in college and I am in need of some dental insurance to help take care of my teeth and to get cleanings however I don't have idea where to start. I am extremely new to insurance and I don't really have family to help me learn. So if I were to get dental insurance what are the ins-and-outs of the industry and what are some good options for a poor college student in Connecticut with a budget of $30-$50 a month? Are there any manipulative practices or tricky wording I should be aware of when shopping for insurance?

submitted by /u/CanTownMayor
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I.e., why you gotta go and make things so complicated??

submitted by /u/SkyPuppy561
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I was recently in an accident where I was not at fault and the side panels were damaged. It is still drivable... just ugly.

The person who hit me is insured through State Farm and they told me they will cover the cost of the rental car and repairs.

Most reputable body shops I’ve called aren’t able to take my car in for repairs for at least two weeks.

State Farm has already sent info to the rental car agency.

If I were to pick up the car today, with a repair appointment set for two weeks from now, will State Farm cover the rental until my car is repaired even though it won’t go into the shop for at least two weeks?

Thanks in advance!

submitted by /u/stsh
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