Freebies from my insurance company
5 years ago
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Traps-Bundling Insurance with One Company
Comments (4)I bought homeowners insurance from the same person I had car insurance with for years. A couple weeks ago my home was hit hard by a hail storm (it did over thirty thousand dollars worth of damage). Apparently two of my vehicles were totalled as well. On the bright side I only paid one deductible for all three things (2 cars / 1 home). My claim for the cars is done and work will commence on my roof in less than a week. We still need to choose siding colors, etc. before that work can start but that is not the insurance companies fault. It was a good thing for us....See MoreAppealing your insurance company? LONG
Comments (13)I have to take exception to Monica's assertion that this is often a scam by the hospital. I can't even fathom how a hospital would implement such a thing.... Those who would "work it" would have to know ALL the "ins & outs" of each & every insurance co. as well as the the different variations within the various policies they offer, to say nothing of the ins. co. simply being the administrator of those who have "company" plans. THEN, these scammers would have to plot how they're going to "misrepresent". So, NO, don't believe this or any hospital has such a "scam". And further, there's no way a hospital operator, on the weekend, could possibly know all the ifs, ands, or buts of each & every insurance company's idiosyncrasies. They look in a data base & give the best answer they can. If anything, I think it's an example of the tactics the insurance companies employ methods to NOT pay.... (they skipped telling you the importance of using the word "railroad"... heh!) Back to the question,,,, if all of your contact & discussions have thus far been over the phone, then you haven't exhausted your appeal rights and it is probably more of a "low level" decision rather than an actual ruling by those who have more power & probably knownledge/clinical expertise. So yes write out your appeal. I would NOT mention, nor use as part of the appeal, the fact that the dr was paid. (Maybe that was an erroneous payment(?) & you should let that sleeping dog lie.) You should call the hospital's billing dept & explain the situation (that you are appealing & why, etc) & they will put a note on your bill so that you won't be deemed "late" or "non responsive". Keep them in the information loop. You may have more than one level of appeal, & you should exhaust them all. If it all fails, then speak to the hospital billing dept. about negotiating the bill to a lower price. This happens more than you would expect. They WILL work with you, I believe. Hospitals are not in the business to scam people. And as someone else said above..... we need health reform and this is a tiny example of WHY!!...See MoreCombining house and auto insurance into one company?
Comments (49)We use American National for everything - home, auto and umbrella. (Our umbrella policy is under $300/year, iirc -- and there's no $500K deductible, though we do have to keep the limits on our auto and home higher than the minimum since those pay first-- I suspect that is what the scenario above is saying -- the $500K "deductible" on the umbrella is actually the $500K that the auto policy pays, then the umbrella kicks in for anything over that. So the mimimum auto liability has to be $500K even though the state only requires $100K) At any rate, I've not had to file a claim but when I was rear-ended, they were helpful in dealing with the other guy's insurance. However, like someone above said, I really do think you need to switch often to get the best rates -- they have steadily jacked my rates every year in spite of not having any claims. I shop once in a while but they make it hard to compare because they give you a cash-back rebate of 20% of your premium every year after you've been claim-free for 3 years. After the cash back is taken into account, they are always the cheapest....but if we ever file a claim, we lose the cash back for 3 years. It's actually genius on their part because it discourages us from filing little claims -- we get anywhere from $700-800 back every year so losing 3 years of that would cost us around $2400 in lost cash back -- ergo we wouldn't file a claim for anything under that. That said, we are going to be adding a new teen driver to our policy soon so I fear our claim-free streak may come to an end. Anyone have any good experiences with insurance companies that don't eat you alive when you add a teenage driver????...See Moredocumenting neighbor's tree issue with insurance company?
Comments (14)ok great feedback, thanks issues are going to be 1) the local municipality is not going to give the slightest of you know whats. This is a county where 4 bridges have been out since Hurricane Isabel in 2003 and they only had the money to get one fixed a couple years ago. I'm not in a town that might have more rules. And there's not an HOA applicable in this case. (thankfully! had one in NoVA and wished never to deal with one again) 2) he's not going to hear me out at all. In fact if I said something it would just inflame him. The soothsaying local hayseed landscaper has clearly convinced him the tree is in just fine condition...and loves coming out every couple years and making a big production of making sure it stays that way. For example it lost some branches in the big ice storm a couple springs ago. It's in his interest to keep making money off it until a calamity strikes. I'm assuming they will protect it against EAB when it gets here. 3) I would possibly speak with the landscaper when he's over there...which is fairly often because the neighbor guy spends a lot of money "taking care" of his yard...but I'm pretty sure he remembers me and we have a bit of a history. He doesn't like me. We'll leave it at that. Fortunately I found someone much better and cheaper to provide tree trimming services. I like my idea of just printing some photographs - they will have the date on back I've just realized - putting them in my safe deposit box and being done with it. Then let the insurance companies duke it out if it comes to it....See More
5 years agolast modified: 5 years agoRose Pekelnicky thanked floral_uk z.8/9 SW UK- 5 years ago
5 years agolast modified: 5 years agoRose Pekelnicky thanked raee_gw zone 5b-6a Ohio- 5 years ago
5 years ago- 5 years ago
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