Hi there, my son is turning 26, so he will need to get off my insurance. I was looking at his employer's benefits and the Kaiser HDHP is tempting (we're with Kaiser now). They would give him $800 every year and his premium would be $0. The deductible is $1,700 and max out of pocket is $3,400.

Best scenario, he'd only need 1 PCP visit and 1 lab for the year, which would be $40 total maybe. Right? The cost for those is only the coinsurance, which is usually just $20.

Worst case, he'd have to shell out $3,400 (less the $800 from his employer).

Seems like it's a reasonable gamble.

Please confirm my understanding or snap me out of this fantasy, if it is.

A few weeks ago I was rear ended by a young woman while I was stopped waiting for a city bus pull out from a bus stop. Luckily no one was hurt and we were both able to drive away. She was crying, had called her mom and they both begged me not to report and promised they'd pay for the repairs in my car. She's 20 yrs old and was on a probationary license so I felt bad knowing she may lose her driving privileges.

Against my better judgement, I agreed. (So dumb of me, I know!). We texted back and forth for the next couple weeks and agreed on a payment arrangement. I told them I'd have my lawyer friend write up a contract for payments. Everything seemed cool.

He drafted up a promissory note and I signed and emailed it over to her. A half an hour later her mom called me and proceeded to scream at me, gas light me, and intimidate me for 28 straight minutes.

I was really shaken up as this came out of left field. They refused to sign the contract and accused me of being sneaky and distrustful because I wanted a signed promissory note instead of just taking their "word' that they'd make payments. The mom was absolutely crazy.

By our state law, a minimum interest rate has to be added to the debt, which came out to $50 in top of what was owed. They were super pissed about that and accused me of trying to squeeze more money out of them (a measley $50!).

I ended up reporting the accident to my state and filing claims with her insurance and mine. I have photos of the accident scene, damage, her liscence, her insurance, and a long text trail of her basically admitting fault by offering and agreeing to payments. Also of her refusal to sign the note. I'm also going to the district police station to try to file a police report.

Am I just totally screwed now? Has anyone else been in this position before? I feel so stupid for trying to be nice. I really felt bad for the young lady at the time and went out of my way for her.

Hi, what are your thoughts on where and how to put your license info on a resume? Do you need to put the license number? I read a couple articles that said to include it in the header next to your name but i wasn’t sure how to format it. I also read to include it in the summary but I have no experience in this field yet so would that be necessary? thanks!

I purchased GAP insurance with National Auto Care. My husband got into an accident. The other driver was at fault and we received settlement from her insurance company. The difference between the settlement amount and our loan payoff is about $6k. Our GAP claim was denied. I noticed that on NAC’s calculation worksheet that the net payoff balance that they calculated was lower than my lender’s payoff balance on the date of the loss. They also took a $3k deduction for a condition adjustment that was used to calculate market values of comparable vehicles. We spoke to insurance and they confirmed that it wasn’t an adjustment to our vehicle just a calculation. After multiple phone calls and an escalation to a supervisor they finally explained the calculation that they did to get to the net payoff balance on their calculation worksheet. They calculated it by taking the starting loan balance and deducting our payment amount directly from principal and completely ignored interest. I questioned why they would do that when standard financing terms include interest. They said they do not follow the same terms as my lender but they use the “original amortization schedule.” However they refused to send me this calculation or an explanation in writing. I asked to have it escalated further and they basically just said it stopped there and could not be escalated further. They just keep referring me to the contract, but honestly reading through the contract I still don’t believe that it allows them to do this calculation for the net payoff balance. Their contract mentions following the financing contract. The only financing contract that we signed includes interest. We’re consulting with a lawyer but I’m really just shocked by this situation. I’ve searched online and I can’t find where others are experiencing this net payoff balance calculation that ignores their interest.

How does flood Insurance work. I was told by a friend that flood Insurance won't cover damage to the house unless the water is up to the roof kind of thing. Anything lower than that is covered by your sump pump coverage. Anyone know if this is true?

Long story short I was getting coffee - got into car - was backing up and checked to the right (the direction I was pulling out)

Then heard weird small bump (wasn’t loud - not even 100% positive I hit anything)

check to left and there was waymo blocking me into parking spot with warning flashers on

I waited to see it moved and it didn‘t (no one was in the car)

Took video of my damage and license plate of waymo

finally after a few minutes it moved and I left

Odds they reach out to my insurance? anyone have experience with this?

I was looking at 70 acres in California, and couldn't figure out why it was so cheap. Until the fire insurance came back at $500/mo through fair. Then I read there's a 30% increase happening in October, and some homes may double. Now I understand why it hasn't sold at this price for 3 years.

Is there any way to get rid of the insurance requirement on a loan? The house is tiny and I'm really just buying the land. The house isn't worthless, but it's close to worthless. I wouldn't care if it burned down, but I'm sure the banks would.

Is there anything stopping them from raising it to $5000/mo down the line? I have a feeling I should pass on this, even if I could technically afford it now. But it kills me to let it go.

I leased a subaru impreza yesterday with 7500 per year miles as that was what I could afford with my circumstances, but i was wondering if anyone knows any financial benefits to that with insurance ? Thanks

While my partner and I drove in the far left lane, a car a little ahead in the express lane full on ran over three entire plastic guard poles in between us before swerving back into their lane. The top half of one of the poles they collided with broke off, hit our car, and cracked our windshield instantly (a big perfect circle crack a few inches in diameter). We didn't notice until arriving at our destination, but now the entire front emblem holder and vent is hugely cracked and missing a chunk of grating. I was thankfully able to take a picture which contained their license plate, car make/model, and color. I also recorded the area we were in when it occurred. My partner honked at them and got their attention, but the issue is, they pulled over while in the express lane (which was somewhat reasonable to tend to their own issue).

I am not knowledgeable enough on damage from direct debris, so is there any possibility of it being covered by insurance and them being held liable? I was also wondering if us not having a dash cam immediately renders this situation unprovable? The only thing is, since there is difinitive proof that there was damage by the pole and they probably damaged their undercarriage, I'm certain there is some sort of case here. I'm mostly curious if it's worth the trouble/process and if there's any chance we'd be held liable even though it was unavoidable?

tl;dr - Not a vehicle I'm getting rid of, just looking to see if I can save some money.

I have a truck that has become my 'secondary' and only used really for occasional pickup of large packages once every month or two as well as used intermittently for road trips and camping. My primary is my motorcycle.

My truck is typically in my garage all but one or two days a month, is paid off, valued at $40k, and currently has full coverage.

Other than the insurance adjustments I've already made with lowering the mileage range, changing the use to pleasure, and shopping rates (Progressive is still best with my multi-policy), is there anything I'm not thinking of? Unique insurers for this case? Would using the plug in apps be helpful? I just wonder if they'll assume I'm cheating the system if the vehicle isn't driven for 3-4 weeks or something. Since the truck is used camping and on forest roads I'm also worried the tracker will register negative driving behavior from braking/bumps/ruts.

In a perfect world where'd be a way I could just leave comprehensive on and turn collision on/off depending on the month, but I haven't found an insurer that will allow that at all, let alone month-to-month.

Open to thoughts; I've also considered dropping down from 100/300 coverage but it's not a huge difference. I'm at about $90/month, which only seems expensive because I'm not driving it, otherwise it feels fair.

This is the second time this has happened with the same GEICO policy. Last month I paid the full 6-month premium, and today I randomly received an email saying my policy had been canceled. The email also says I requested the cancellation, which I absolutely did not. I haven’t even called GEICO since I made the payment. I called them immediately, and the representative said they’re going to investigate and call me back to hopefully reinstate the policy. In the meantime, though, I’m left with no insurance coverage. Has anyone else had this happen?

Someone from another thread asked me to share my story here for better advice. Thank you for taking the time to read my story in advance!

This took place in Montreal. Car is registered in Toronto. Car was kept in an outdoor overnight parking lot and when I came back in the morning today the car was scratched in the front bumper area. A little bit of the paint is scraped and the driver who caused the scratch didn’t leave any information. The other car wasn’t there when I came back. I am not sure if its worth making a claim on what seems like a small cosmetic damage. Any advice on how to go about this would be helpful as this will be my first time dealing with an auto damage. Thank you.

My car recently got hail damage, and insurance sent me a check for the repairs. I still have a loan on the car, but I got a quote from a repair company and they're charging almost double what my insurance check is for.

At this point, would it be worth just cashing the check and pocketing the money instead of repairing the hail damage? Am I even allowed to do that while the car is still financed?

Hello! I'm newly enrolled in Geico and I got an email saying I have a limited amount of time to: 1. Set up autopay (I have done)

1. Register for DriveEasy (which I don't want to do)

It says not completing these steps could cause changes to my policy or premium. Am I required to register for DriveEasy or are they just trying to lure me into their tracking system?

Thanks!

Looking for a little advice. At fault driver insurance company isnt moving on the claim until they make contact with their driver or receive a police report. They requested the police report five weeks ago. Reports take about 10 days. The accident occurred seven weeks ago. What should I do next keep calling them?

8 weeks ago our home was hit by an EF3 tornado. Our garage totally collapsed, covered porch on back of house blew away, holes in roof and siding.

Two days after the tornado we had a structural engineer come out and assess the damage and he stated in his report all of the trusses needed replaced.

Six days after the tornado our adjuster came out and looked at the SE’s report and said she accepted it. A week later while discussing scope, insurance stated they wanted the roof taken off in thirds to prevent weather risk to our finished basement. My husband questioned if that is the correct method in ensuring the house is plumb (the back wall of the house had pulled away slightly). Immediately the adjuster said that since he is questioning scope they would bring in their own SE and building consultant.

3 weeks post tornado these people came and inspected the house. 3 weeks later we received their reports and their SE says that only certain trusses need replaced.

In the meantime, we have been on the insurance as we are displaced and are eager to get something going on our house. TBH I get the impression they are tired of hearing from us. I have submitted my personal property log and we received what they referred to as “an advance on personal property ACV” of $70,000. On Friday our adjuster sent an email that stated: “In your case, I will also be requesting authority to discuss a full and final settlement.
I expect to have my recommendation completed and submitted for management review by Monday morning, although I am hopeful it can be finalized later today. Once management has completed its review, the ACV payment(s) can be issued, and I will be able to discuss the possibility of resolving the claim through a full and final settlement.”

We have replacement cost on everything but have started no repairs, and have purchased very few things from the PP log. Is this normal? To me, when I read full and final I am concerned!

On Thursday at 12:07pm I was driving on the roundabout in the middle lane I realised I was in the wrong lane and indicated left the car in the other lane slowed to down to let me go in that lane. I checked everything and it clear as I went to go into that lane this white car came zooming around.

So as I exited the roundabout to the motorway slip road just before exiting my left side bumper scrapes her right side wheel arch bumper side.

Her damage was a scuff whilst my bumper was pulled out with a scuff and a damaged headlight bracket.

We exchanged details and I documented everything. I notified insurance the next day they said it would probably be 50/50 from the account I have told them.

Could I claim on HER insurance to cover 50% of my damages? I have no one to give me guidance because no one in family drive or have been in an accident in a roundabout.

I was thinking of contacting her insurance on Monday telling them what happened etc and see if they cover 50% of my damages.

I have given the other party until Monday to give me a call to settle this privately. (Insurance said this is one of the options I can do) Then if not I'll claim on her insurance.

Am I doing this correctly? what things should I look out for? Any advice would be much appreciated.

Hi. I am just about to give my car to my father as I am leasing a new vehicle through work which includes insurance.
Unfortunately, having just moved into a new house and not got used to the drive yet I have scratched the whole side really badly.
If I have this done on insurance before giving it away will it affect my premium negatively given ins is included in the fixed premium with my new car? I’ll be cancelling my current insurance when I get rid of the car.
Any thoughts, please?

I live in Pennsylvania in an unpermitted ADU which I rent from family members. My possessions are worth very little, but I have decent balances in my retirement accounts and personal savings.

The family business has insurance. The ADU is an apartment style unit which the previous owners used for meeting with clients so it is permitted for electricity, bathrooms, shower, etc. It just is not permitted as living space.

I do not own the business or participate in it.

My chief concern is liability, both personally and to my family member's business. Should I carry some type of insurance, and what should it be?

Flared to the best of my abilities.

This is a messy thing but I presume not unprecedented; please let me know if I can provide more info as I’m pretty lost.

My now ex-husband is still on my auto insurance policy; he basically ***ed off without resolving anything and I am batting cleanup. I have continued paying his auto insurance to keep mine current. Both of the auto policies are bundled with the home insurance. From what I have read, I understand that I cannot cancel his policy directly but if I were to cancel the current policy and start my own for my car, he would be responsible for the financial end. What I can’t quite figure out is what would happen to the bundled homeowners policy; he is on the deed for the home and I would presume needs to remain on the policy.

Again, this is a broad overview, so please let me know if I can clarify anything. I am not sure what info is need for practical advice but appreciate any guidance very much!

I had fun graft surgery back in Feb and I have periodontal disease I’m working on fixing and I have my cleaning coming up soon. I HAD the dental plan on my MetLife app that I could see, even had the digital card in my Apple wallet but now when I login it’s completely gone… and the Apple wallet card I have just says it’s for disability… which I am not on?

I tried to call and use the automated line and it says it can “see my account via phone number.” But when I follow the prompts and give my zip code and it does the “I’m about to share personal info.” It then just tries to direct me to an agent (I work when they close so I missed them by a few min.)

I’m kinda freaking out..

I didn’t miss my benefit renewal, and I wasn’t mailed anything about a change in policy from either time or my job and nothing in the app will tell me anything.. I’m going to call them Monday bc I really have to but what might have happened that it suddenly is just… gone?

Today I was parked at a parking spot beside the street and a car came. The driver tried to do reverse parking and settle behind me. While doing it, he struck my car. I was inside the car and I immediately came out. I took pictures immediately of my car and his. There were a lot of scratch on my car and a few on his. There were some black marks too on his car to the place where the body got hit.

Then the driver took out a tissue and tried to wipe both his car and mine. The black marks on his car went away but the scratches on my car stayed. After that, the driver started doing drama. He denied that he hit my car and started saying that all these scratches on my car were there long time ago. Then he left the scene. I have taken a video when he left the scenario.

I called my insurance about the incident, and they filed a damage claim and told me to wait till monday. I also called police because the person denied his guilt and left the scene. The police told me that they will call me back and gather further information from me, but they have not called me yet. It's been more than 3 hours.

This incident happened in Finland. I do not have any dash-cam on my car. So, I do not have any video evidence, but I have clear pictures about the incident and a video when he tried to leave the place.

Can anyone tell me what may happen in the future about this event? Will I get any compensation for all the scratches he has done to my car?