I want to know because it might just be cheaper to proceed outside of insurance claims.
Yes, a claims free discount means exactly that claims free. it does not depend on who filed the claim.
I am planning to take a health insurance policy for my parents. I also want to know which insurance company will claim the disk prolapse operation? Because my dad is suffering from disk back pain. I’d like to take such a plan. I am from pune. Working in software industry. My company is not providing for total family, but providing for me.
If you do buy a private plan, you father would most likely have to wait out a pre-existing clause exemption. This means he may have to wait a year or two before any surgery, or any medical care related to his back for that matter, would be covered. However, since you are not protected by the statutes of a group policy (those policies offered by an employer are often much more liberal), there is a possibility that anything ever related to his back would NOT be covered. This prevents people from buying insurance just to get covered for an expensive procedure and then ditching the coverage afterwards.
Aside from that, just about any major medical plan will cover back surgery, but for how much and under what limitations are going to depend on the personal provisions you elect to pay for in the policy. For someone with a known medical condition, I’d expect to pay well over $1,000 a month (probably close to 2) for his coverage on a good, private policy, and then have to wait a year or two to wait out any pre-existing clauses.
The person who reviews policies in the insurance industry and denies claims. Thanks!
I don’t know. But if you were denied a claim having to do with an auto or home claim, don’t give up. Remember, those folks are trained to deny claims to get you to give up and go away. You must be persistent. And then they’ll offer you less than what you have coming. Again, be persistent. This happened to me in a case where I knew I had a claim, and I had to make many calls and keep after them. The company finally issued me a check for the compensation I had been paying for. There people are trained to not pay out what ever they can get away with.
Remember, insurance companies are in the business of selling claims – not paying claims.
If you file a claim on your homeowners’ insurance, does the claim follow the homeowner if you move to a new residence? That is, if you move do you start with a clean slate?
If you have a claim on your car….then sell the car after it’s been repaired….do you get a clean slate?
No.
The claim will remain on your CLUE report.
When you go to apply for a new policy with a different company and it asks if you have had prior claims…you still have to list the claim on the new policy application.
However I hav a letter from them that shows that I was covered. They claim that I did not pay my payment and they canceled my insurance. I never received a letter from them saying it was canceled. Also, I payed my insurance with a money order, and have no proof that I paid them since I sent it in the mail.
It is not just a letter it is my policy statement from them showing the start and end date of my coverage.
How exactly does a letter show that you are covered at the time of the loss? I don’t think you are interpreting that "letter" correctly.
You don’t HAVE to receive a letter saying your policy is cancelled. All they have to do, is ATTEMPT to notify you. Easily 25% of the people who’s policies get cancelled for nonpayment, in my experience, claim that they didn’t receive a bill, or a cancellation notice. Some of them moved and left no forwarding address. That’s why, the insurance company only has to ATTEMPT to notify you. Otherwise, people would get free insurance, by throwing away the letters, unopened!
Your only recourse is to file a complaint with your state insurance commissioner – but most likely, if your money order was lost in the mail, or not received by the cancellation date, you really are cancelled. Companies don’t have to honor a postmark date. And they don’t have to reinstate you, if your policy has gone into cancellation status.
We have today had a burst water pipe at our shop. We are insured for our stock and our landlady is insured for the damage to the property etc. Alot of our stock has been damaged and ruined. We have notified our insurance (this is obviously a commercial policy). We have never had to make a claim before so I was wondering what is a good guide to how long they take to pay out? We cant reopen cos we need to replace what has been damaged so therefore we are losing more money?
It could take a couple of weeks before the settle the claim and a week to pay it. If it starts to take too long, consider hiring a "public claims adjuster" or "public adjuster" to assist in negotiating for you.
Filed a renters claim due to theft awhile back, now thinking about changing companies due to better rates. Will that claim count against me with my new insurance company?
Yes. All insurance companies subscribe to a service called the Comprehensive Loss Underwriting Exchange (CLUE). When the new company gets your application, they’ll pull a CLUE report. If you didn’t disclose the claim on your application, they’ll find out about it, and most likely will uprate or decline to write you.
My family doctor had sent me to a specialist for pain management years ago and this specialist filled out the insurance forms for long term disability. When I applied for mortgage insurance, the insurance company wanted more information (specific information)about my medical history between certain dates. They sent a letter to my family doctor asking for this information. In his letter he stated that I did not seek medical treatments in regards to the insurance companies questions, but that he would send along with this letter, his notes from this time period. I was then denied insurance because of the information on his notes.
If it was the specialist who filled out the disability forms, that is who should be answering the questions for you now. Seems to me your family doctor was just answering truthfully–he is not the one certifying your disability.
Get your records from the specialist and try again.
I had two car accidents in the past four months and both i was injured but my last claim hasnt settled yet,is it possiable to claim two auto accidens in the same year also its from the same auto insurance company.
Angela, There are lots of websites where you can get a free insurance quote. http://www.lowestquoteonline.info/Auto-Insurance.html It only takes a few minutes to do.
Shipped a machine through the mail, they are claiming it’s broken now.
Pretty easy. UPS will need to see the machine.