• Am I covered?

    When I got landlord insurance the agent told me I was covered for vandalism. I'm evicting a tenant with anger issues. I have pictures from before he moved in but I sanded the floors after i took the pictures. nothings happend yet but I'm just very worried. will the insurance company try to find a loophole... show more
    When I got landlord insurance the agent told me I was covered for vandalism. I'm evicting a tenant with anger issues. I have pictures from before he moved in but I sanded the floors after i took the pictures. nothings happend yet but I'm just very worried. will the insurance company try to find a loophole to not fix it if something happens? anything I should do now? Also I feel like going in now and taking more pictures would just make him more angry and/or violent.
    6 answers · 11 hours ago
  • I still have no health insurance and im constantly worried what am I supposed to do?

    Im 21, just moved im with relatives no job right now, gonna start school soon but I can't find a cheap plan to save my life. They want more than a hundred dollars a month with the "obamacare" market and even getting on my mother's plan would knock the premium another few hundred. What do I do... show more
    Im 21, just moved im with relatives no job right now, gonna start school soon but I can't find a cheap plan to save my life. They want more than a hundred dollars a month with the "obamacare" market and even getting on my mother's plan would knock the premium another few hundred. What do I do other than die?
    7 answers · 2 days ago
  • Why are people still getting penalized for not having health insurance?

    It's ridiculous.
    It's ridiculous.
    20 answers · 1 week ago
  • I paid my auto policy in full today. I wanted to know when will it ask me to make payments again. Is it annually?

    I bought insurance in December of last year & have paid two installments. I pay 180 every month as a new driver, but I decided to pay the remaining balance upfront as 700$. Now I don't know if that is a discount or if paying upfront covers for half the year
    I bought insurance in December of last year & have paid two installments. I pay 180 every month as a new driver, but I decided to pay the remaining balance upfront as 700$. Now I don't know if that is a discount or if paying upfront covers for half the year
    11 answers · 6 days ago
  • Will an insurance agent lie to me about what's covered under my home policy?

    Best answer: If you said life insurance, then "possible", since an agent could sell you a policy that pays a big commission on 1 policy vs another. But with homeowners, most is pretty standard and covers the same things. thus there should be no reason for an agent to lie at all. The same goes for a auto policy. ... show more
    Best answer: If you said life insurance, then "possible", since an agent could sell you a policy that pays a big commission on 1 policy vs another.

    But with homeowners, most is pretty standard and covers the same things. thus there should be no reason for an agent to lie at all. The same goes for a auto policy. The good news with an agent, that if you have a claim, then the agent could tell you if it is covered or not vs calling a insurance company.

    Now, sometimes an agent may "suggest" you not file a claim, which might seem odd, but with homeowners policies, if it is a small claim, then many companies will penalize you, or non renew you. Years ago when I worked customer service in an insurance company had complaints from customers who stated they did (not) file a claim, but only called the insurance and "asked" if something was covered, did not file and when the policy renewed, their premium went up.
    5 answers · 2 days ago
  • Insurance raised rate because they "made a mistake?"?

    Recently received notice that my insurance company is raising my rate because they made a mistake and gave me the wrong rate in the first place. I am beyond angry with this, is there any way I can fight this?!
    Recently received notice that my insurance company is raising my rate because they made a mistake and gave me the wrong rate in the first place. I am beyond angry with this, is there any way I can fight this?!
    10 answers · 6 days ago
  • Why do so many people act like you have to have a primary care Dr. decide if you should see a specialist?

    I chose regular medicare, so I don't have to ask a primary Dr. if I can do anything. Do most people choose a plan where they have to waste time running to their primary Dr. to get permission for everything? I think this is not only dangerous, but it's a waste of time having to run to to two Drs. I honestly... show more
    I chose regular medicare, so I don't have to ask a primary Dr. if I can do anything. Do most people choose a plan where they have to waste time running to their primary Dr. to get permission for everything? I think this is not only dangerous, but it's a waste of time having to run to to two Drs. I honestly don't see how that can save money. Please explain how it does. Regular Drs. cannot do everything.
    12 answers · 1 week ago
  • What happens if a missing person is declared dead, life insurance is paid out, and years later, that person is found alive?

    Would the family be required to return the money, even though they didn't actually defraud the insurance company, because they believed their loved one was dead? Does it depend on how much money was given, or what the money was used for? Like, if the money was only enough for the funeral and other final... show more
    Would the family be required to return the money, even though they didn't actually defraud the insurance company, because they believed their loved one was dead? Does it depend on how much money was given, or what the money was used for? Like, if the money was only enough for the funeral and other final expenses, and was used that way, would it still have to be returned?
    10 answers · 1 week ago
  • So I received a tax penalty in 2018 for not having health insurance in 2017. However I just found out that I DID have insurance?

    Best answer: You file Form 1040X to "amend" (change) what you filed in 2018. You would NOT prove it immediately. You must send the Form 1040X without any proof. If proof is required, then it will requested later. You must wait until then to "prove" something. If you are requested to prove it, then you... show more
    Best answer: You file Form 1040X to "amend" (change) what you filed in 2018. You would NOT prove it immediately. You must send the Form 1040X without any proof. If proof is required, then it will requested later. You must wait until then to "prove" something. If you are requested to prove it, then you would prove it with a 1095-B from the health insurance company.
    8 answers · 1 week ago
  • What is a “saver HSA” health insurance plan?

    It’s througg my employer, it would be $16 a week instead of $25, what does it mean? Is it still health insurance? Will I have to pay co-pays and deductibles? How does it differ from “classic” health insurance and would it cover my whole bill for a hospital visit?
    It’s througg my employer, it would be $16 a week instead of $25, what does it mean? Is it still health insurance? Will I have to pay co-pays and deductibles? How does it differ from “classic” health insurance and would it cover my whole bill for a hospital visit?
    6 answers · 7 days ago
  • I have a pre-existing condition that my short term disability will not cover what do I do.?

    I just found out today that I need a ankle replacement or a ankle Fusion from a pre-existing condition from an accident years ago. My short-term disability will not cover it because it s pre-existing and I need to be off at least six to eight weeks from work what do I do is there any other insurance companies that... show more
    I just found out today that I need a ankle replacement or a ankle Fusion from a pre-existing condition from an accident years ago. My short-term disability will not cover it because it s pre-existing and I need to be off at least six to eight weeks from work what do I do is there any other insurance companies that will charge a higher premium for a pre-existing can I get help from the state temporarily?
    8 answers · 1 week ago
  • Can they back charge me for benefits that were not in place?

    Started new job 12/17/19. Health benefits were to begin 1/01/19. I had my docs to them 12/20/19. They did not enter me into the system until 1/31/19. Coverage was not in place or verifiable the whole month of January. Did not go to dr or fill rx. It was verifiable 2/1/19. Now they are back charging me to 1/1/2019
    Started new job 12/17/19. Health benefits were to begin 1/01/19. I had my docs to them 12/20/19. They did not enter me into the system until 1/31/19. Coverage was not in place or verifiable the whole month of January. Did not go to dr or fill rx. It was verifiable 2/1/19. Now they are back charging me to 1/1/2019
    12 answers · 2 weeks ago
  • Will I get a penalty for not having health coverage?

    I'm not insured from January through July 2018 due to lay-off the company I used to work for closed down. now I’m back on track and my coverage is from August through December. If so will I get a heavy penalty?
    I'm not insured from January through July 2018 due to lay-off the company I used to work for closed down. now I’m back on track and my coverage is from August through December. If so will I get a heavy penalty?
    8 answers · 2 weeks ago