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blessuswithblogs · 7 years ago

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My Experiences with Post-Traumatic Stress Disorder

Today's piece has very little to do with video games, but instead, me. This is more of an exercise in catharsis and thought ordering than something really meant for other people to read and go "o yea thats neat," but you're welcome to do so anyway. I'm also putting up some content warnings for Mental Health Junk like eating disorders and severe anxiety, as well as allusions to stomach flu symptoms (this one probably bothers me more than anybody reading). If you wish to proceed with all that in mind, by all means.

Let's start at the beginning. I've suffered from minor post-traumatic symptoms for over 20 years after the conclusions of traumatic events, usually severe illness. In the past, these symptoms have been self-limiting and usually resolved after a couple of months. Even after I was terribly ill with pneumonia, had an allergic reaction to pneumonia medication, and spent several afternoons with a nebulizer in my mouth, it only took half a year or so to mentally recover from the incident, and all I really suffered from was mild worry when I started coughing. All this changed, however, in September of 2008. A number of unfortunate circumstances occurred in quick succession and I ended up dreadfully sick with gastroenteritis alone with my dad, who also caught it. It was an uncharacteristically virulent and severe strain of whatever norovirus was going around at the time. My working hypothesis is that my brother caught it at Disneyland after using the bathroom without washing his hands like a frickin idiot, because he caught it first and then spread it to the rest of us. My mom seemed unaffected, or was extremely adept at suppressing symptoms, so she hauled my brother's sick ass back up to his dorm in Santa Barbara. Originally, this was going to be a family outing, but I argued that I really didn't need to be there for other reasons entirely, which, as it turned out, ended up dodging a bullet. We both got sick after they left, and it was a miserable night by all accounts.

It marked a couple of milestones for me. Sheltered child that I was (let's be honest, sheltered child that I am), I had never been in a position where I was seriously debilitated and my mom wasn't there to be mom at me. It was also the first time I sort of had to take care of somebody else being ill, because as sick as I was, my dad was even sicker. He's also an unreasonable old fuck who demanded that I didn't let mom know that we were both the next victims of the plague, but I disregarded that order because I was freaking out and in that pre-sick period where you feel pretty nauseated but you're not really sure if that's because you ate too fast or something or you're actually sick. She came back the next day with some pedialite or however you spell it. I was actually kind of delirious at that point, utterly sleep deprived and running a nasty fever. I still vividly recall a strange sort of fever daydream I had in the shower about The Big O being featured in the upcoming Super Robot Wars Z, which is really strange to me to this day but there it is. Showtime, I guess. Prior to this bout of sickness, I had been struggling with tummy troubles the whole year due to the stress of acclimating to living in a new state and a few unfortunate cases of much more mild gastroenteritis. By the time of this incident, I was already pretty worn down, and it turned out to be the straw that broke the camel's back. After making a physical recovery and doing okay for a few days, I started exhibiting severe anxiety symptoms. At the time, I didn't know it, but I was actually a fairly textbook case of post-traumatic stress disorder, and it basically stopped me from being a functioning human for a good year or so.

Let's talk a little about PTSD. The classical understanding of this disorder is that of combat fatigue, something that only soldiers in hellish warzones suffer from after seeing their squaddies get blown up by the Vietcong or whatever. A largely more enlightened view than the previous perception of the disorder as "shell shock" or, even worse, "malingering," but one still inadequate for a modern clinical context. PTSD can be brought about by any sufficiently traumatic event meeting with a sufficiently susceptible person, as per the diathesis model of medicine. If that's what they're still calling it. It's actually been pretty long since I've taken any psych courses, the last two years of college was mostly just filling in credits with random bullshit. At any rate, while soldiers are a large demographic of PTSD sufferers, people can contract it from just about anything -- car accidents, sexual assault (this is a big one, almost assuredly more prevalent than in active combat personnel), and, of course, severe illness. It took me a long time to actually be honest enough with myself and my various therapists to reach the diagnosis. I had suspicions, because even then I was studying psychology, albeit in highschool elective curriculum, and I was at that point familiar with most high profile mental illnesses like PTSD, depression, schizophrenia, and what have you. I also knew, however, that young students diagnosing themselves with diseases they had recently read about in a textbook was also a definite phenomenon. Thus, I was reluctant to bring up the possibility and actively downplayed symptoms, both because I had no faith in myself to make an even marginally accurate diagnosis and because I felt ashamed of the possibility. People get PTSD from actual trauma, not a weekend bout of stomach flu, or so I thought. To be honest, I still feel pretty ashamed of it, but I'm old enough now to know that lying to myself and others will get me precisely nowhere.

Fortunately for me, I think that my therapists and psychiatrists at the time were altogether too clever and perceptive to be fooled by a fairly half-hearted show of resistance. We didn't really give what I was feeling a name until quite a ways into it all, but from the outset, my treatment was focused on alleviating these symptoms. And, wouldn't you know it, the SSRI anti-depressants I had been on-again-off-again taking since I was 14 were also the medication of choice for treating post-traumatic stress. It took a long time, but I eventually managed to get myself together enough to start community college, then transfer to a UC school and graduate. Not without difficulty, mind you, but it's still fairly miraculous to me that it happened at all. I had occasional flare-ups, usually linked to a trigger of somebody else throwing up in my general vicinity. My brother seemed to make a habit of coming home from college only to immediately get sick, which was always harrowing. To this day, I don't know how one person can contract so many instances of gastroenteritis. I always seemed to avoid catching his bugs, probably due to my redoubled hygiene practices and general hypervigilance, though there was a period in the summer of 2012 where I got sick with -something- that made my stomach miserable. Not enough to puke, but enough to make me really worry. That was the summer right before I went to go live on my own in campus housing, so, I ended up coming home on weekends to keep myself together.

Recently, as you may or may not know, I've had a major resurgence of symptoms after a very mild case of stomach flu. I honestly wasn't sick for very long, or very violently, but it was enough to bring bad memories flooding back and reopen a terribly inconvenient can of worms. At the time, I was not on any medication due to just generally being at a fairly high level of functioning but a fairly low level of Have Money. I still feel that the decision was mostly sound, but I severely underestimated my potential reaction to a triggering event. Which I suppose in and of itself was a good indicator of my mental health prior to the incident. With the old wounds reopened and no psychoactive agents to help with the pain, I got. Bad. I'm doing better now, thanks to meds and the passage of time, but I'm still not at full capacity, and summer was utterly dire. One of the halmark symptoms of PTSD is going to great lengths to avoid situations and stimuli similar to the trauma that originated the illness. Unfortunately for me, it is very difficult to avoid "feeling nauseous" or "eating food," though God knows I gave it my all. With my comorbid emetophobia back in full swing, I drastically altered my diet and eating habits. I heavily favored foods that I could cook or supervise the cooking of and foreswore fast food and takeout of any kind. Going to a restaurant to eat was out of the question - my first time back to one was this sunday, and it was an altogether miserable experience for a lot of reasons. My handwashing has increased in frequency to the point where I occasionally need to stop myself from doing it unless absolutely necessary so my skin doesn't crack open. Above all, I have been eating a lot lot lot less. Hearing compliments about weight loss is nice, but given the circumstances, it's hard to enjoy them. I spent most of the summer forcing myself to eat and drink when I really, sincerely did not want to. I found comfort in hunger. Hunger was a signifier that all was well, that my body was operating within acceptable parameters, that being hungry and vomiting were not states that could coexist - at least, that was the thought process. The stomach is more complicated than that, of course, but defense mechanisms rarely make a lot of sense.

The anxiety, fear, and tired listlessness of post-traumatic stress disorder are all well documented. I had those in spades. I think my mom caught me doing the whole thousand yard stare a couple of times, though I doubt she realized the significance of me spacing out. A particularly nasty foible to my particular situation is that one of my body's most cherished stress responses is to get sick to my stomach. Feedback loops are quite common in mental illness, and if I am not Queen of Feedback Loops, I am at very least a Minor Duchess. I know the cycle all too well. Stomach pain into anxiety. Anxiety into worsened stomach pain. It doesn't take long on my bad days to literally think myself sick. My symptoms have trended towards the more mild side of the spectrum, at least after medication was reintroduced, but I make up for it by having a trigger that creates itself. A lot of the time, the only way I have to deal with bad episodes is to try and throw myself utterly into something else and forget about physical being for a while. Long hours in FFXIV and Civ6 can attest to this. When that doesn't work, I often have to lie down and bury my head into a pillow until I calm down enough to start feeling better. It is, in a word, disruptive.

One aspect of the disorder that is not often discussed is the heightened fight-or-flight response and startle reflex. It is especially ridiculous in my case because you cannot run from your digestive system. It tends to follow you around. Be that as it may, being constantly on alert for any and all signals of potential gastrointestinal distress is utterly exhausting. You listen to your surroundings. To other people. To yourself, for any normal stomach noises that you're convinced are the sign of the apocalypse. White noise becomes torture as you try to pick up any salient sounds distinct from the hum of the fan, and a great deal of innocuous noises start to sound a lot like worried words and puking. Coughing is the worst because it shares a pretty similar aural profile to vomiting. Naturally, my dad has been suffering from acid reflux induced coughing jags at all hours, so I'm never at a loss for something to listen to in alarm. And alarmed I am! A constant state of hypervigilance necessitates a constant state of being easily startled. People coming up behind you when you're occupied with something else, for instance, becomes a terrifying experience because they just seem to materialize out of thin air. My new room has my back to the door and my headphones are noise-cancelling, so I am snuck upon on a regular basis, though at least with no ill intent. Probably. The garage door just below me seems almost vindictive in its loud rumbling, but I shouldn't add inappropriate anthropomorphization to large sheets of metal to my list of neuroses.

All of this comes down to a single thing: it's hard to feel like yourself when all of this is going on. Sometimes in a moment of lucidity you realize that this bizarre stranger who washes her hands way too much and refuses to eat anything has been ruining your life. Severe, prolonged stress creates a deep and abiding sense of unreality. You lose faith in yourself. You stop trusting yourself. The things you do don't seem to come out quite right. Interacting with other people feels like trying to talk to somebody on the other side of soundproof glass that's kind of smudgy and gross. Sometimes you yell too loud so that they can hear you, other times you mumble halfheartedly because you don't expect it to work anyway. And on rare occasions, you sort of lose touch with reality and try to beat down the pane and make a terrible fool out of yourself because to everyone else it looks like you're slamming your fists into a wall for no reason as you scream and cry. Even then, it's sort of worth it, just so you can say you've felt something other than creeping dread for a little bit.

I suppose, in a way, that this piece is part explanation, part apology, part anecdote. I haven't done as much stuff lately. I've been more reclusive, quicker to upset, a good bit spacier than usual. I've mentioned a few times that I've been suffering from a PTSD resurgence, but those are just words. There's no context behind them. It bothered me. I wanted to put down, in more concrete terms, how I've been feeling and coping and why that's cut into me being me. I don't know what this will accomplish, but maybe somebody out there will find it resonant, or even helpful. It feels necessary to get it out in the open and be honest about why I don't make many videos or streams anymore, or why I'm harder to get in touch with, less willing to do stuff with other people. I'm making progress. Hoping that I can get to the point where I could maybe hold down a job. Gotta dream big, right? Either way, thanks for taking the time to read this. It doesn't make anything that's happened better, but maybe it will help with things in the future. I'm rambling. I've never been good at conclusions, even when they're obvious and big and juicy. When it's just my thoughts, sort of stream of consciousness, I don't really know how to wrap things up because I could keep writing for a while, if we're being honest. Look in closing, 2017 fucking sucked okay.

#mental health #ptsd recovery #2017

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rebeccaseattle · 5 years ago

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Greg Chang(Names have been changed)

The colorless of linoleum floor made me feel cold as I looked at my computer, gathering what information I could about Greg Chang, 15 years old, in preparation for his annual IEP which I would be directing.

On paper, Greg looked like one of the most promising students on my caseload. Greg had straight A’s, with a couple of A- and one B+’s thrown in. Greg had a couple extra curricular activities he did well in. Despite having a learning disorder and an IEP, Greg was in all general education, even some AP classes and appeared to be thriving. Most of the students on my caseload were failing so this kid felt like a dream.

“Should be a pretty straight forward IEP” said one of my colleagues, who was helping me learn how to read and write IEPs. The public school process around holding IEP’s is and was a very messy, complex, legal business, and I was knew to it this year. However, I actually enjoyed the this part of my job the most. Not writing IEP’s, but really delving deep into who my students were, what they needed, and creatively figuring how to get their diverse needs met at my school. I wanted to dig deep with Greg. It was my first year and in terms of paperwork, legalities, and district work, I was a baby. But my interest and skills in analyzing and helping my students were all I had and for the most part thats what made my parents and administrators happy, not to mention the students.

Despite teaching special ed classes daily, I never actually taught any of the students on my caseload. I had gone out of my way to meet Greg, who was a polite, quiet, respectful and studious person, but I had virtually no opportunity to see how he functioned in class. I pretty much had only data and word of mouth from teachers to learn about him. I tracked down his teachers and learned all I could from them.

The results were interesting.

“He works very hard, but he often doesn’t follow directions. It’s very arrogant, but he’s always so polite so I let it slide.”

“He does an excellent job, but he has a temper.”

“I’m really worried about him, he full on broke out in tears the other day in class. Still, he composed himself and insisted on finishing the assignment.”

“He gets really angry in class and clearly has some issues.”

“He works very hard and does well on all his tests.”

I read that his two older siblings had both gotten into prestigious universities. His parents were dumbfounded when they had learned, over a decade ago their youngest child had a learning disorder and weren’t sure how to handle it.

I thought for hours and hours about Greg, what he needed, what was going on for him, and what I could get the school to do help.

What I was hearing about Greg struck a chord with me. He reminded me of myself more than any other student.

Unlike Greg, I never got good grades in school. The first time I did well was in junior college, where I worked very hard. I worked while in high school as well, but it never seemed to earn me decent grades so I gave up. I wasn’t really diagnosed with a learning disorder until I was 30, and even now my diagnosis is controversial as not everyone in the medical community accepts it as a real diagnosis. But my struggles learning and functioning in school were very real. What I did learn to do, was work hard. “Something is seriously wrong with me” I remember thinking at age 10. “If I work really hard my whole life to learn this stuff, maybe I’ll be normal.” Overcoming a learning disorder was a very difficult process for anyone, let along a child. It requires a great deal of maturity, insight, hard work, strength, emotional support, and perspective. Not many adults I know have that kinda maturity and resources to accomplish this, and to place that on a child is very traumatic. Most likely children who overcome learning disorders, like myself, carry deep scars about who they are, truths about the world, school, and life. The comments above made me think that Greg may be carrying some of these scars, wounds unhealed and festering. They are a heavy burden.

At the IEP I met Greg’s Dad. He was a very well-dressed professional looking asian gentleman. With his other kids at prestigious universities, I couldn’t began to speculate if Greg’s parent’s were “Tiger parents.” Parents who show their love and support by believing in their kids and pushing them to do their best. It’s possible given Greg’s culture this may be the case, I’m not sure actually. But what came out of Greg’s Dad’s mouth shocked me.

“My son needs to relax. He studies way to much. He devotes to much of his time to school work. My wife and I both strongly agree he needs to learn there is more to life than academic achievement, hard work, and success. I want him to relax and have more fun. We need to make this very clear in the IEP.”

I realized in some ways the Dad was looking at this as a hopeful intervention for his son.

Greg came to IEP as well. Greg wants to attend MIT after he graduates. Greg is joining the Dragonboat rowing team. Greg had ideas on how he can improve his grade in PE to an A from an A-, if only he had more access to PE equipment.

I read Greg the comments from his teachers.

“He works very hard, but he often doesn’t follow directions. It’s very arrogant, but he’s always so polite so I let it slide.”

Greg often doesn’t understand directions. His disability is audio processing, so he honestly doesn’t follow verbal directions well. He very much takes on leadership roles when doing group work, so he makes his best guess on what the directions were and using context clues figures them out, but sometimes he gets them wrong.

I reflected how Greg’s disability here is ignorantly interpreted as arrogance, a common mistake. I too have been overly polite to teachers and other figures because my own learning disability has been interpreted before as arrogance.

“He does an excellent job, but he has a temper.”

“I’m really worried about him, he full on broke out in tears the other day in class. Still, he composed himself and insisted on finishing the assignment.”

“He gets really angry in class and clearly has some issues.”

“He works very hard and does well on all his tests.”

“Son, I see how hard you work everyday, and I know it’s taking a tole on you.”

Said his father.

Greg got quiet. He looked sad. He looked angry.

“Let me tell you something” Greg began.

“Tomorrow, I am taking a math test. Today in class I spent the entire class practicing the review sheet. I listened the to teacher, like I do every day. I redid the review problems 3 times. I found more review questions and learned them. Today after school, I will go home and enter a bunch of questions onto an online quiz program, and practice for 2 hours. Sitting next to me in class today is my friend Tony. Tony finished the review sheet in 15 minutes, did not listen to the teacher and spent the rest of class goofing off. Tomorrow, he and I will take the same test, and we will both get the same grade. Each of us will get an A. This is my life. This is what I live with. Is this fair? No, it’s not, but that doesn’t mean I’m going to quit. This is why I am angry.”

When Greg said this, my heart sank. Greg if you haven’t noticed is quite intelligent and insightful. It takes both of these traits to learn to overcome a learning disorder. Greg is right, this is not fair. I don’t blame him.

Learning to live with a learning disorder is not fair. Learning to achieve academic success is wonderful, but it requires more strength, more development, more maturity, more hard work than other kids. We discussed then how this process is unfair, but in the end Greg will develop and mature stronger than his peers. It will be years, if every if Greg’s peers will catch up in work ethic, self-discipline, metacognition, problem solving, creativity, and even executive functioning Greg has achieved. Greg isn’t your standard overachiever, he’s more like warrior. A veteran who came back from a war with tons of skills in battle, but also scars and painful truths about our world. He lost the innocence of being a child, even a teenager, long ago.

We set up counseling services for Greg, everyone agreed this is what he needed most, including himself. There are no easy answers for Greg, he’s right, this is unfair, but that didn’t mean he was going to give up. How to handle this truth of the world, is a lot to put on anyone. Most adults I know can’t even handle it. They’re just glad they aren’t him. Greg is forced to accept a concept to painful for most people to even hear, but he is not one to backdown from a battle.

My student, was in dire need of support despite his straight A appearance, carrying invisible scars and strength from a battle hidden from others.

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spookyenemyperson-blog · 6 years ago

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"Greensboro North Carolina Cheap car insurance quotes zip 27420

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My sister and brother in law have the car financed at a bank in a small town. They gave the car to me as long as I made the payments on the car. We don't intend to refinance the car into my name, however how would I be able to obtain auto insurance if my name is not on the original title?""

What is the cost of average home owners insurance?

I bought a new home, (foreclosure from the bank). I bought it quickly, and didnt have time to shop around for home owners insurance so I went with the first company who I called. I just wanted to see if this average, or too high, because if it is, I can start shopping around now. I bought a 227K foreclosure. The appraised value is 280K. I put 75K down on the house. my mortgage insurance per year is 1030 dollars. 6 bedroom/4 bathroom 3 acre home, 2400 sq feet. Is this high/average? Should I bother shopping around?""

When do you have to buy car insurance?

When do you have to buy car insurance? I've just bought my first car privately and expect to drive it home next Tuesday. However, I'm confused about the insurance. When should my insurance policy start? Does it have to be next Tuesday, too?""

About car insurance?

i got a used car,mitsubishi sports car,1999....im a first time driver..they say i have to pay like $150 but then it would increase if its a sports car..how much do u think will it add up?do u think it will add up only a couple of dollars or way higher?thanks!""

Health Insurance question?

So I just turned 18 and I will no longer be covered through Amerigroup so was looking at some Health insurances to buy. I know the deductible is the amount you need to pay out of pocket before the insurance will start paying, but how will the insurance know when you have payed the deductible?""

Do I need car insurance to take the drivers test in Florida?

I'm was going to take the drivers test this friday to get my license, since i turned 16. But I found out that I have to have car insurance under my name to get my license. So my dad called his insurance guy and asked him about it, and the guy said that it would increase my dads insurance from $2500 to $4000. My dad said that he couldn't pay that much and that I couldn't get my license. Is there any other option for me? Is there any cheaper car insurance that I could use that would be less, or what if I got my own separate insurance from my dad? Would that be cheaper? I was also thinking, could I just get the insurance for the test and then take it off once the test is over? Please help! I really want to get my license!""

How much would insurance cost for a 17 year old?

I'm going to be seventeen soon and I'm just curious how much it will cost to insure me. My parents have USAA and they have some kind of family type plan with me my sister and both of my parents. I will probably be driving this car http://cgi.ebay.com/ebaymotors/2004-NIssan-350Z-custom-body-work-and-paint-/320645191467?pt=US_Cars_Trucks&hash=item4aa7f1572b#ht_930wt_1123 I don't care about your opinion of the car, and I don't need a lecture on the fact that I shouldn't street race I just want a ROUGH estimate of how much it will cost per year or per month or whatever you can find""

""What kind of qualities should I look for when purchasing a car? ie insurance, modern elements...?""

For experienced buyers: As an entry level analyst looking to purchase a car, I was hoping to get some ideas about my first big purchase. My norm has usually been purchasing something and regretting it some time down the road ie Bought a Dell laptop, turns out it heats up a lot. Or a new smartphone (android), turns out it freezes plenty. So I want to purchase a car, and was hoping if someone who is experienced could possibly take some time off to tell me what I should look out for. I understand insurance is a *****, and even though cars are affordable on lease, the insurance will get you. My objective: Car : Lease a pre-owned or 2nd hand car, possibly 2012 or 2013 model, 4 door, sedan. Insurance : Max coverage, low payment (ideal but, shoot for the stars and....) Questions: I understand there are qualities or modern elements like lane stabilizer and effective cruise control that can reduce insurance coverage. How effective can they be? What kind of sedans have low insurance and are modernistic, such as built in navigation and those cool looking monitors? (kind of childish) Which insurance coverages are the most important, there is basic, comprehensive.... If you need additional information, I will be checking this question hourly and will be glad to provide additional information. Thanks!""

Where can I find affordable life insurance for sr citizen in-laws?

I read a previous thread suggesting MediCare, but I am not talking about HEALTH insurance. They only have term life insurance tied to current job, and they need to retire. They have ...show more""

Do insurance companies insure a boat for its value or insure it for what you paid for it?

Can i add someone to my car insurance policy?

I want to add someone to my insurance policy. He recently had a fender bender in my truck.

Will my insurance be raised because someone else got a ticket in my car?

My boyfriend was driving my car and got a texting ticket. Will my insurance rate increase?

What does an approved provider mean to health insurance company?

I want to list myself as an approved provider for speech therapy but I am not a proferred provider for any health insurance plan.

Car Insurance for young driver?

Hi, I'm currently doing my drivers licence and should get it by the end of next month and I'm just confused about the cost of insurance.... I'm planing to buy small Fiat which is Insurance Group 5 and I looked up for costs through money supermarket and the cheapest deal was over 9000 for a year and that's just ridiculous so I'm a bit confused about it and don't know if i did something wrong when filled the information but anyway what the average cost should be like? Thanks in advance""

How can I get a fair replacement cost by the auto insurance company when my car is totoaled?

my car is being paid off by the other person's insurance company, not mine.""

""How much does a lower back x-ray cost with no insurance in Houston,TX?

I have shattered my tail-bone or something and I can't sit down for more than 5 minutes but I don't know if I can afford it.

Insurance when your pregnant?

I currently have insurance although October 1st my coverage will be terminated because I left my job. I recently found out that I was pregnant and was wondering how I will get insurance and will my pregnancy be considered pre-existing when I get insurance through a private company. Should I try to go to the doctor while I have my current insurance through work or wait until I have new insurance

Greensboro North Carolina Cheap car insurance quotes zip 27420

Insurance help please?

got hit from behind by a driver who has insurance, i notified my insurance what happens next ? will my car get repaired by his company or mine ? and how does a deductible work ? Ive never been in an accident so i am clueless on this,,,,,and how do they fix your car ? do they tell you where to go to repair it ? or just give you the money ? and how do you determine how much ? sorry for being uninformed completely !!!! thanks for your knowledge""

How much do you pay for motorcycle insurance?

I would like to know how much you pay for motorcycle insurance. If you could, in your answer, please state how much you pay, how old you are, and what size you bike is. Also say if it is a crotch rocket a cruiser....etc. I am seventeen and wondering what a roundabout insurance quote would be for me.""

""If i activate the speed limiter on my car, do you think my insurance would be cheaper?""

I have a 1.6 citroen c2 vts, and my insurance is pretty pricey. It has a speed limiter, and i've heard about this before. If i tell my insurance company i have limited the car to 70mph do you think it would be cheaper?""

Affordable Health Insurance ??

I live in washington state, and I am currently employed and I pay $80 a month through my employer for my medical. I now wanted to add my wife because she dosen't have a coverage at her work. I contacted the HR at my work and I was told my monthly premium will go up from $80 a month to $460 a month if I add her. and its way too much money and I am looking for other ways to have her cover please share Ideas that u may have if u happen to know any affordable insurance company""

Showing proof of insurance after citation (in Texas)?

Hello, i received a citation for driving uninsured a couple days ago (my court date is the 15th). I got a letter in the mail today saying i would have to pay a fine of $300.... ...show more""

I lost my Health insurance and I need to find affordable coverage asap?

I had tenncare but after i turned 21 it ended i have medical conditions that require me to take medications daily. does anyone know of a good affordable insurance that covers doctor visits and prescriptions that will take me with pre-existing conditions? I have asthma, PCOS, and other things that i have to take daily medication for to be able to function. I am bi-polar i have ADHD and severe social anxiety i am also manic depressant and schizophrenic what can i do to get some health insurance??""

Do the amount of miles driven affect auto insurance rates?

My policy lists that I have coverage of 12,000 miles a year. I average less than 6,000 miles year however.""

""For health insurance plan, is it good to have a low deductible, but a higher coinsurance?""

I'm looking at a health insurance plan with a premium of $76 per month. The deductible is $500 and out-of-pocket maximum is $2,500, which doesn't include deductible. Coinsurance is 30% after deductible. I get the first 3 doctor visits for $30 co-payment and then pay 30% after deductible. Does this plan sound okay? I normally see a doctor once a year. Thanks!""

Motorcycle insurance with no Class C?

I live I California and the dmv gave me an only class M learners permit and I can only ride motorcycles not cars. My problem is Insurance companies keep asking for a drivers license then they cut me but I really don't want a Class C license!!! Any insurance companies bypass that?

Do you know of any auto insurance companies that don't base your rates on your credit report?

Due to an illness/ disability in our family, despite having health insurance, we still owe thousands in medical bills. Those that would not work with us turned them into collection. They now show on our credit report. Despite being insured for both our auto insurance and our home insurance for 20+ year with the same insurance company, we got a notice saying our auto insurance had gone up hundreds of dollars per year based on a credit report they obtained. We have never had an accident, ticket, etc. and the amount automatically comes out of our checking each month. Plus, last year, prior to this, they switched us to a preferred group within the company and gave us a discount when we threatened to switch. How can I find out which insurance companies base your insurance rates on your credit report and or score? Will they tell you outright? This is the first I have ever known that our company did this and was wondering if all of them do it, or do you just know about it when you get a notice like we did? I get their reasoning but it seems like such a rip off when so many are in our boat- insured but with insurance that is starting to pay less and less and cost more. Plus, they have our checking account and if we were not to pay, they wouldn't be responsible for us if we had an accident anyway. Seems like a double whammy to me. Can anyone help?""

Car insurance?

okay i just got my license. and my friend and i want to go places..my friend is only physicaly able to ride in her grandmas van cause my friend is in a wheel chair like all the time ...show more

Why are insurance companies such bastards?

I could never figure out why people screw their insurance companies when they can. Well now I know. They are a bunch of ethic-less, principle-less bastards. So go for it, screw them when you can for all you can. You can be assured they will do it to you first wether you are honest or not.""

My sister insurance covering my brother car but she wants to cancel?

She is cancelling her insurance for a lower rate with a new company and he wants to have the car insured in his name. The car is registered in his name. How would they go about this? can she say she no longer wants to insure the car?

Where can I get a fair priced car insurance for a first time driver at the age of 17 and Male?

I'm just about to do my second test, I failed the first with only 4 minors but I misjudged a speed limit and got failed for dangerous driving when doing 40 in a 30. I've been looking at a Ford Fiesta 1.4 Zetec 16V that I would really enjoy to have except I can't find insurance anywhere cheaper than 2700 and I think it's ridiculous because I'm not a maniacal driver and I don't see why I should have to pay that much until proven that I will cause that sum of damage. Is there any way I can get a cheaper premium? It's really putting me off driving because the price is just absolutely horrendous. PS UK ONLY PLEASE""

Tesco car insurance??

does tesco car insurance (uk) cover for vandalism?

What are the NON-LIFE INSURANCE PRODUCTS offered by Private insurance Companies?

Can some one tell me where i can find various non life insurance policies offered by private companies???

Are harleys cheaper to insure compared to a 600cc sportbike?

i live in ontario and i am wondering because the average sportbike insurance is 4500 a year so i am wondering if a harley will be lower or higher

Do I need insurance ?

I'm 16 I'm starting my own lawn care Business Do I need Insurance In case I hit something and does my car Insurance cover snow plowing

How much would car insurance be for me?

roughly what would i have to pay for car insurance heres some info -im 18 -car is a honda civic 2010, new -got my license at 18 -live in massachusetts""

State farm insurance question?

does anyone know if state farm insurance plans accept Tria Orthepedic Center?

How do I find the best car insurance rates?

How much extra would it be to go on my parents car insurance ?

at the moment my mother is paying 600 a year for car insurance, i was wondering how much extra it would be a year for me to go on her insurance. i am 18 year old girl living in england would it be cheaper for me to get my own insurance or go on hers ?""

Health Insurance for 18 going to 19 year old?

My boyfriend is currently 18 years old. In January he will turn 19. He has no health insurance.We live in Texas. He's currently working/has his own income but still lives in his grandma's home. He started working making roughly about 250-300 every week, this has however only been for half the year before he was only making minimum wage. Should he get insurance from where he works? Or can he qualify for Medicaid or something of that sort? How does insurance work when you move out also?? Who qualifies for Medicaid? How? We're honestly clueless about all this, and no one has given us information. I've tried doing online research but it's all confusing.. I was hoping someone would help me out. Anything will help. Thank you.""

Can anyone suggest me a auto insurance company?

i have japan based luxury car. my friend saying pay insurance in a good company. so i am searching company? thank you.

Getting Car Inspected Late - will insurance go up?

If you let your car inspection sticker in Massachusetts expire before and then you go to get the car inspected late, will the Massachusetts RMV find out that you let it lapse and then hit you with points on your license and/or increased car insurance rates? Would if your car doesn't pass inspection, will that raise your car insurance also?""

Greensboro North Carolina Cheap car insurance quotes zip 27420

Should you get better car insurance coverage when purchasing a home?

I am currently house shopping and my boss mentioned increasing my car insurance coverage to cover the price of my house in case I get into an accident where the damages are higher than my coverage. Could I be sued for my house if I cause an expensive accident and my insurance doesn't cover it or all of it? Should my car insurance be raised to 150k, and how much can I expect that to cost? I live in California and the legal minimum is 15/30(which is what I currently have), I told my agent I would like to pay no more than 160k for the house, though I was approved for more.. I drive an rsx, it's paid for, and drive roughly 22k miles a year.""

Dependent's health insurance?

My friend wants to move into an apartment with me, we are both in college so we want to be roommates, but her parents say that they will not pay her health insurance if she moves out. Since she is a student, she is going to be a dependent of theirs for a few more years. Does being a dependent of her parents legally obligate the parents to pay her health insurance?""

""Got in a car wreck w/ no insurance, and was at fault.?""

I don't work, and don't plan on working. I don't own a house or car that's in my name, and don't plan to. Everything will always be in my boyfriends name. How will the insurance company ever get money from me. Even if they sue me.""

""Im a co-signer on a car loan, do I need to be on the insurance??""

I co-signed a car loan for a friend of mine, he went to get the registration and all that but he couldnt register it unless I am on the insurance, and the registration. The dealer is threatening to take the car back from him if he doesnt come to the dealer proving that I am on all the necessary documents. Registration, and insurance. I am not driving this car at all and we also live in two seperate cities, and only did this to help him establish some sort of credit rating again, but this has ended up being a huge pain in the ***. One Idea I had was to write a bill of sale up saying that I have sold him the car and he is now the owner of the car, not me. I live in Calgary Alberta, in case insurance rules differ from province to province.""

Approximately how much will car insurance cost me in the usa?

im 19 years old im getting a mazda rx8 2004 it has 55k millage on it. i will use my foreigner license in the states. im live in new york and im a student on an f1 visa.

Car Insurance COMPANY?

I HAVE 2004 FORD EXPLORER SPORT TRAC. I NEED A CHEAP INSURANCE,WITH COMPANY IS CHEAPER? I DO NT WANT TO PAY MORE THAN $ 100/130... THANKS FOR THE HELP.""

Staying on my mother's health insurance?

I'm 19 years old, in good health, and moving out. My mother has been laid off and is getting a job out of state which is forcing me to move out (i'm not complaining just informing). She will be on cobra health insurance until the new job's health insurance kicks in but I was wondering if I'd still be able to be covered under her new job's insurance if we aren't living together. The only reason I ask this is because I am currently working part time at a job that offers health insurance but it is $70 per month. If it were up to me I'd go without health insurance but she informed me that it is required by law now (yay). I've read in some places that I would be able to stay covered by my mother's insurance until age 26 but I've also read in other places that if my job offers health insurance I cannot be covered on someone else's as a dependent. I live in Georgia if that matters! Any tips/suggestions welcomed, thanks!""

Cost of health insurance?

How much does health insurance cost per year if I pay for myself instead of my employer paying for it? I would pay through my employer's group insurance and mine is a family of three (including a child of 4 yrs). I am a contractor and I will be moving through the country quite a bit in which case would the insurance rates be from the state from where the employer is from or should it be as per the state where i am residing? How does insurance cost vary from state to state?

Insurance rates: What would you guesstimate for a 23yr old Male?

And I'm still in college, if that matters. Little credit history. Any response is helpful.""

After a motorcycle wreck how much will my insurance go up?

After a motorcycle wreck how much will my insurance go up? I'm 21 and just got the bike a few months ago.

How do you find an insurance quote for a car you may get?

Cheapest van insurance?

Hi, I have a transit van [smiley or S reg] Its about 220 road tax for the year, and then a S**tload for insurance. I have one Speeding offence, and no no claims - as I havn't ever been insured on a vehicle long enough to build them. I'm 25, and usually get quotes about 1500...That is stupid...Is there any company that does a reasonable price on a van for someone like me. Or should I just give up now. Thanks""

Who is the most cheapest auto insurance out there?

I need auto insurance but im 18 and I only have a permit not a license yet. I drive a 1990 Honda civic hatchback ef. And i only want liability just to drive. So who is the cheapest one out there let me know thanks :D??

What Auto insurance is more affordable and dependable?

nation wide..

""I just received a position where I am given Benefits for the first time, I have questions about Insurance?""

Does what I pay for insurance come out monthly? or every check? what is coinsurance? How do deductibles work? Stupid questions I am sure, but I have never had the option to pick insurance, and I haven't been covered by my parents insurance for at least 7 years. I didn't go to the doctor much when i was covered, so I never learned what my parents had to do.""

""If I move to a new state and buy a new car insurance policy, must I report violations in other states?""

i had two car accidents - one in arizona in summer 2004 and the other in texas in summer 2005, both of which i was at fault. at the time, i had california car insurance, which covered my accidents. i did everything legally and paid for my mistakes. i just moved to pennsylvania and need to buy a new car insurance policy here. do i need to report my prior car accdidents to my new insurance company? if I don't tell them about them, willl they find out anyway?""

16 year old insurance on Bike (CBT) UK?

Heres the thing, i can afford a bike and ive been considering an Aprilia RX 50 Or a Suzuki TS 50, but the insurance is through the roof in price, my average quote fire and theft is 450 ish any ideas who to go with in respects of insurance companies ? thanks live in the (UK)""

How is my insurance so high for my 125cc motorcycle?

Well i passed my cbt on the 13th this month, turned 17 on the 10th this month, ive had my dt125 re / x 04 model for about 2 months riding on private land etc, anywhoo, i decided to look into insurances, well first i went to carol nash and got a quote for 4000??? then i tryed comparethemarket, got a insurance quote of 3600? what the ****? seriously, theres not a chance im going to be paying that **** and the insurance place is ringing up saying do you want to buy the 4000 insurance? **** no, any idea's for cheaper insurance places or idea's to get it down?""

16 year old car insurance?

Im a 16 year old boy and am looking to buy my first car. How much more will insurance cost on average if i buy a 2 door car as opposed to a 4 door? I am thinking of buying a 1997 Toyota Celica or a 96-01 Acura integra either 2 door or 4. I am going to take drivers ed too because i know that lowers your rates. I also have 4 A's and 3 B's in school.

Which health insurance plans do you like in California?

For individuals which health insurance plans are good for people in good health? Are the Anthem plans a good choice for a family?

Could someone tell me what is needed to create a car insurance comparison website? Thanks?

Could someone tell me what is needed to create a car insurance comparison website? Which programs would i need to use and to create what part? Thanks for your time

UK CAR INSURANCE QUESTON?

I've recently cancelled my car insurance and started a van insurance and used my no claims bonus from my car for the van, I've now decided that im best to keep the car and im wanting to insure it again, I got quotes without my no claims bonus and its stupid prices even though I said that I have the no claims on the van If I used the no claims on the car it brings it right down to a more sensible price Can I use my no claims bonus on two cars? If not can I tell my van insures that I want my insurance with 0 no claims and for them to amend my policy- ive only just took out the policy and am still in the process of sending off the no claims proof from the car Regards im advance""

Car insurance for another person?

Hey guys, so I'm gonna get a car soon. I turned 18 back in January. My mom is going to buy me a car soon, but only if the insurance isn't that high. So, seeing as I really want the car I have in mind, I need to know some things about car insurance. My mom has gotten into an accident before also, plus the car in mind is a sports car. A Nissan 350z to be exact. So my question is, can I get insurance for that car even though it's under her name? I've never gotten into an accident before, and plan to get my license soon. Thanks!""

Which would be less insurance wise?

I'm trying to figure out what car i want for my 16th birthday.. I've absolutely fell in love with the subaru wrx hatchback. the only thing im worried about is the fact that the insurance rates Might be high. i also like the Genesis Coupe 2.0t and i was wondering which would be more expensive insurance wise. Also what you think about them being first vehicles. and please no<, you should get a POS for a first vehicle... Thanks in advance!! The insurance company is usaa and nothing on the record""

Mustang GT for a teen? insurance question?

When i graduate from highschool my dad is going to buy me a mustang GT 2005 and i was wondering if it was a good choice. when i go to college i am goin to hav a job so will i be able to afford a mustang insurance? How much will it run about (estimate). Thx in advance, ~Key key24~""

Greensboro North Carolina Cheap car insurance quotes zip 27420

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