#maybe this is how I convince insurance to cover therapy for me again lol
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fitzselfships · 12 days ago
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Going through another Worrying about being abandoned by a fictional character moment 🙃
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bigskydreaming · 5 years ago
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So it took interest rates that were like WE OWN UR SOUL NOW U FOOL HAHA TWILL BE OURS FOREVER, but joke’s on them lol like I never use that thing anyway. But I got the personal loan for $10K in the end after like a month of searching but who knew that obsessively raising my credit score for a year by like....occasionally chilling all night in an IHOP rather than use a credit card too much on a room would like....pay off with a credit score that actually is useful to me in a way that means I don’t even care right now that hahaha credit scores are just pointless imaginary numbers that really only exist because capitalism’s a dick?
Look I’m allowed to be a hypocrite for three weeks let me have this, I promise I’ll go back to ranting about people selling their souls for the sake of strings of binary code on a computer screen, like just cuz I wasn’t using mine doesn’t mean other ppl don’t want theirs.
Because oh yeah so I was like gimme the loan plz and they were like ugh fine and I somehow got my credit card companies to raise my limits because I’ve had them for over a year now and I honestly couldn’t even tell you how I convinced them to do that like did I haggle did I beg did I put out, who knows, it’s been a very long and strange and sleep deprived month and that’s on top of a long, strange, sleep-deprives two years. Point is between raising my limits on those two, the loan of DOOM and getting a CareCredit card with the remaining credit left to me or before the latter realized I’d just massively dinged my credit cuz the raised limits and loan hadn’t been reported yet, I came up with the $12400. Like again most of that is in the form of imaginary money that I’ll probably spend years paying out of future paychecks so if anyone wants to go ahead and put The Revolution on the books for like, say October, that would actually really work for me. I’d even be all pumped and full of rest and vigor and extra fightey and like, you know how fightey I usually am to begin with I’m just saying....
So now I am literally just waiting for my loan check to clear in my bank account cuz my doctor doesn’t accept checks. Second it does, probably Monday, I’ll go down to my doctors office, pay the $6200 upfront and finish the insurance paperwork for them to submit the claim for the insurance company’s part of it, and they can officially schedule my surgery, possibly in as little as three weeks??!!
Which is absolutely surreal to me, like after literal years of treading water and setbacks and everything dragging out endlessly and he’ll even just yesterday, it’s utterly bizarre finishing my stuff at my bank and doctor’s this morning and hearing how matter of fact they all are about how quickly things could happen now and like. Finally be over. Or like, start lol in the sense of holy shit I could actually maybe have an actual life again.
They can’t confirm a date until my first payment is processed, only then does she officially put me on the books at Cedar Sinai when they can get me into an open OR, but it hopefully could be the 20th. She’s already got another surgery scheduled for that day and an OR booked for it with potential slots before and after it but I can’t count on the 20th as a given just yet. Could still be one, two or even three weeks after that before they actually fit me in, so I’m trying not to set my thoughts and hopes too much on that three weeks from now appointment but that’s easier said than done. LOL.
But whenever it’s actually set for, I go in the day of, pay the second half of the payment, and the surgery takes a few hours but they send me home the same day. My high school friend from San Diego hopefully is going to be able to take enough time off to look out for me while I recover, we’ve been tentatively planning for that for most of a year but couldn’t guarantee anything with her work until we had actual dates which I mean we still don’t technically have. But my jaw will be wired shut for ten days so there’s no way I can manage on my own, esp the way I’ve been getting by day-to-day, and I’ll be on a liquid diet and having to drink everything through a special straw and stuff and completely unable to talk the whole time and oh yeah also apparently in agonizing pain that I’ve been extensively warned could put anything I’ve experienced thus far to shame, so I’m really REALLY looking forward to that part lol. Currently pondering the viability of just knocking myself unconscious every day. We’ll see how it goes.
But after that I go back in ten days later and they unwire my jaw, check that everything looks okay and I’m healing the way I’m supposed to, and I have two weeks of physical therapy and....that’s it. It’s over. I’m just. I’m just leaving that right there for now because I honestly don’t even know what to do with that thought after all this time, it’s. Like I can’t quite wrap my head around it and even really picture how that works. Idk my brain just fizzes out and it’s like wait, are you sure, that doesn’t sound right.
But like I made them go over it multiple times to make sure I wasn’t missing anything or understanding it wrong or whatever, like my doctor was this combination of kinda amused but also exasperated when I finally stopped asking to go over it all again. LOL look I just really really really needed to be sure there wasn’t something else involved that like I was supposed to already know or have been told by someone else, I don’t know okay? Anyone who’s been following me the last couple years knows that this isn’t how this sort of things go, they’re supposed to get my hopes up and then tell me they have no clue what’s wrong or send me off to someone else or tell me oh yeah you also need another thirty thousand and an MRI and some headgear that’s like made of platinum, but we just thought you already knew that. LOL.
But. I mean. Yeah. That’s it. I checked. A lot. Theoretically though unless there’s some new bizarre development in which case I will most likely detach my spirit from my body and evolve into my ultimate great rage power Digimon form, AreYouFreakingKiddingMeMon, and go like, fight god or the physical embodiment of the universe or whatever like I keep threatening....like, that really is what’s left. And then it’s all over. My jaw should by all accounts be restored to its full functionality from before all this. No more pain, no more eternal headache, no vertigo, blind-outs, no problems eating any particular food or swallowing or 45 degree slope to my lower jaw, none of the shit that’s been my day to day existence for well. Years. LOL.
Yeah. Really don’t know what to do with that yet. I just. Can’t. Haha.
Anyway, as I’ve said before, I literally couldn’t have made it to this point without the support of people here, both emotionally and financially. I hate to ask it because you’ve helped so much already, but I’m definitely going to have to ask for your help a little longer, there’s just no way around it. I am completely wiped and tbh overwhelmed so I’m probably going to try and sleep the rest of the day - I was pretty much up all night, unable to sleep while I waited to hear back on all this.
Then when my head’s fully processing things again and not friztzing our because I’ve forgotten how to process good news, lol, I’ll probably be putting together a post asking for your help paying my insurance premiums one last time, and on Monday or once I get the official set in stone date for my surgery I’ll be doing another, basically begging you guys to help keep me afloat the hopefully no more than three weeks til then.
I really really hate having to do that when I know you all have helped and given so much already, and it’ll literally be nothing more than my basic expenses of motel room and food, I don’t need anything beyond that, but I truly don’t see anyway around it. I exhausted every possible avenue available for me to try with my credit in order to get this loan and raise my limits enough, and I milked every cent I could out of those. There’s just no more money to be pulled out of any of that, it took everything I had to get what I needed for the surgery. And I’m afraid of the very real possibility that if I don’t ask for this help because of pride or because of how much I’ve asked for already, I’ll end up using one of my credit cards to pay for my room and such and end up stuck without enough money at hand to cover the second half payment on my day of surgery and I truly literally can not afford that. I have no idea what will happen with my insurance if I have to reschedule, how long it would take to reschedule, etc.
And the other side of this is there’s really not a whole lot left I can do for work at the moment. I’ve finished off all my existing projects except for one last cover and they already paid for it in advance. I honestly don’t know that I could take on new jobs if it ends up with my surgery on the 20th in just three weeks. Searching for more jobs and clients has become more and more time consuming these past months as is, and the simple truth is I couldn’t in good conscience or in honesty guarantee any new clients that I could finish their job in that time frame. Not with my present state physically and mentally and the uncertainty of my day to day expenses and stress about potential complications hanging over my head and not, truthfully, mixing all that well with my pre-existing mental health conditions lol. And yeah, if I can’t guarantee getting any new projects done in three weeks, I can’t afford to take them on for any potential client’s sake, not to mention the sake of my professional reputation, which I will really need to be, y’know, intact, in order to rebuild my life basically from the ground up, once my previous physicality and quality of life comes back after my surgery and recovery (knock on wood). With at least two or three weeks of recovery after the surgery even assuming it goes well and has no other complications, that’s way too much time to leave clients hanging and not be available to address any needs, concerns, revisions, etc. Especially if they’re not returning clients but brand new ones.
So yeah, as much as I would love to not have to ask for any more help than I already have and have been given, I sincerely just don’t see any alternatives that don’t jeopardize or risk wasting all the help I’ve already been given. You know I am fully aware of just how much that is and what its cost some of you, and I already could never repay you for this, not even in terms of just the money itself, but the fact that I know some of you have given at your own very real expense, sending me money that you really could have used yourself, that wasn’t any kind of surplus. I am already beyond grateful and humbled and overwhelmed how many of you have stepped forward to help me in ways that even though I’m older than many of you, I honestly have no precedent for, in ways and to an extent I’ve never received help or support from family. So I just needed to say that again, because I have not asked for any of this lightly, and I don’t now either. Really, really thank you. I’m not exaggerating or being dramatic or hyperbolic or silly for a change, when I say you guys most likely saved my life. Its simple fact. Hell, I was genuinely hours away from sleeping outside freezing my ass off in December, that first time I posted asking for help and you guys came through for me. So, yeah. I will never ever forget this, and never ever be able to give back as much as I’ve been given these past few months, though I will always do my best to pay it forward.
I’m going to go ahead and leave my paypal link here anyway, though I’ll be making those two additional posts tomorrow and next week, as I said. Aiming to keep them shorter than this, well, shorter than any of my posts, really, as shorter posts really just get more traction and I’ll need that. I can always link to the longer explanations of my situation for those wanting to know more.
Again, thank you all more than I can figure out how to put into words. I’m finally. Fuck. LOL. Sorry, I’m being very umm, sentimental over here but like its your fault I’m overwhelmed lol, like omg you guys, you can’t just throw love and affection and support at a guy with so much childhood traaaaaaaaauma, his brain doesn’t know how to handle it, look, you broke him. Are you happy? You broke his brain machine.
Okay cool, we’re back to inanity and obnoxious humor as an overcompensating self-defense mechanism, whew, everything’s normal, everyone can relax. LOL. Anyway, I’m gonna shut up now and go try and get some rest. Just know that I’m doing so feeling way more....hopeful? Optimistic? Faith-in-humanity-and-goodwill-and-community-ey? Than I have in years.
....the fact that I don’t even know what I’m feeling right now is called probably tells you all you need to know about me, huh? LMFAO God I’m so messed up lol. But whatever. Still alive and kicking. So. Y’know. There’s always that.
https://paypal.me/bigskydreaming?locale.x=en_US
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winemom-culture · 6 years ago
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this is a really long post i tried to put it under a read more but i don’t know if read mores work anymore, or if they ever did, i’m just therapy bloggin, sorry for mobile users
i dont remember if i ever posted about it here or just twitter- i think of might have vaguely mentioned switching insurances and not knowing if my insurance covered the therapist i was seeing. well, it didn’t, BUT that was actually kinda lucky because they had another therapist at their office who was in network with an astronomically lower copay (and at one point during the session she asked what it was with the intention of lowering it for me if it wasn’t already manageable which i thought was really cool) and i felt like i clicked so much better with her than the first one i saw. i didn’t even realize i didn’t really vibe with the first one until i saw this one, she gave me feedback when i answered her questions whereas i felt like i was kinda talking to a wall with the first one cause she would ask me one thing then i’d answer and she’d go “”hm..” and move onto another question. so i left feeling kinda frustrated but also convinced myself maybe that was just how a first appointment goes. Like i told her about some pretty heavy stuff from my past and at one point she literally asked “why didn’t you ever report that?” and i was kinda floored that had never even crossed my mind before i had no good answer. cause i was 14 judith? i was “in love” with him? idk? i felt like that was kind of a weird thing. i told her about my anxiety being worse at work and looking forward into the work week and she was just like “but you like where you work though?” and i was like “yes” and she’s like “huh.... i wonder why you get anxious about work then......anyways,”  whereas like instantly this same thing came up with the new therapist and she was like “do you consider yourself more of an introvert?” and i was like “yes absolutely” and she’s like “how does that work with being a hairstylist” and right there was the click that seems so obvious in retrospect but i hadn’t really ever thought of it this way, that even though i love my work environment and feel like it’s a supportive place in general and i LOVE my coworkers i don’t really enjoy what i actually DO there and by working in such an extroverted client facing position i’m “out of my comfort zone all day long” is how she put it. then she said “when you go home do you feel drained/irritable/don’t really have any energy left to do anything or talk to anybody else” and i was like yes yes yes to all of it 150%. that was  just really cool to hash that all out right off the bat and kinda gave me some new perspective on how i can like a place so much but still feel so anxious in the face of it at the same time, and why i’m shitty when i come home lol. oh another thing the old therapist suggested was me asking my doctor to go back on Buspar.., despite me telling her that it worked for a bit, then it didn’t... and i just kept upping and upping my dosage until it capped out again. the new therapist was like “yeah, buspar works for some people, but for a lot of people it doesn’t. there’s other medicines that i feel like generally give better, consistent results.” obviously neither of them could prescribe anything but they can refer it to my primary doc, and i’m glad she was on the same page with me on that. i’m definitely not opposed to trying medication but i’m not interested in a short term solution to panic attacks that just eventually makes me feel like a zombie who gets electrocuted every once in awhile. she recommended right away i try to decaffeinate myself and wean off of that, which isn’t an issue for me i’m already not a big coffee drinker anymore because more often than not i get unpleasant tummy aches and i never really drank tea i’ll just have to cut out the caffeinated sodies every once in awhile.  so idk although i feel like quantity wise i told more to the first one it didn’t matter because i got no feedback whatsoever, i feel like there was a lot more substance to this visit with the new one and i feel really hopeful and excited for it
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Saint Anthony Indiana Cheap car insurance quotes zip 47575
"Saint Anthony Indiana Cheap car insurance quotes zip 47575
Saint Anthony Indiana Cheap car insurance quotes zip 47575
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im 16 and have a r1 and insurance would be hundreds. I never insured my 250 sportbike that i had but dont want insurance for my new one. Is it illigal to drive a motorcycle without insurance?
How can I get a lower price for car insurance?
I'm 20 years old and I'm about to get my car this weekend (hopefully) as well as my license hopefully by the 3rd week in may. And what insurance companies would you recommend?
If private insurance companies are so bad...?
Why doesn't the government nationalize life insurance and car insurance?
How much does insurance go up from a ticket?
got a failure to yield on a turn ticket on intermediate license first ticket wa state, I know it depends on a lot of things but I just want an idea, does it double? 10 percent? age 17 thanks""
""My motorcycle was stolen and at time I didnt have insurance, it has a lien on it. So what can I do?""
I owe almost $5,000 on it to the bank. Is there anything I can do besides taking this big loss? Please help I need suggestions!""
I dont get car insurance?
i am looking for my first car . i did a quote on a 2001 1.2 fiat punto 3 doors. The quote was 1600. but i then saw a 5 door punto. a 2000 1.2 5 door punto the quote for that was 1989. and thats from the same company. how can it cost more to insure a 5 door car.
What motorcycle insurance companies would you recommend to any young rider aged 16-18?
I would like to know which is the best company to go for as I plan on getting a 125cc motorcycle as a means of social and domestic transport, I've seen mce and that's the cheapest comapny I can find at 990 are there any other cheaper companies with good benefits ?? Thanks""
""In your opinion, who has better idea how make health care insurance affordable - B. Obama or W. Buffet?""
In your opinion, who has better idea how make health care insurance affordable - B. Obama or W. Buffet?""
Saint Anthony Indiana Cheap car insurance quotes zip 47575
Saint Anthony Indiana Cheap car insurance quotes zip 47575
Why such a difference between insurance quotes on a 2011 Challenger?
I got quotes from Geico, Nationwide, and Progressive I chose full coverage 500 dollar deductible on a 2000 Silverado 1500 4X4 3DR and a 2011 Dodge Challenger SE 2Dr Coupe This is for a 20 year old guy with clean driving record. Why are they so different? These are the prices I got Nationwide - $603 a month Progreeive - $450 a month Geico - $187 a month If Geico didn't offer it for $187 I would not be able to buy the 2011 Challenger. Does anyone know if Geico will go up to $400 or $600 a month after my first 6 month's I really need to know cause this is my last deciding factor before buying the Challenger?""
Does Obama really believe his comparison between auto insurance and health insurance is legitimate?
Even W sees the holes in that argument. Is Obama trying to fool the least of us ?
Which icar insurance is cheap and best?
where can i find find cheap and good car insurance
Is a 1978 lincoln mark v cheap to insure?
i am looking at a very cheap car to insure. i was looking into one of these classic cars. i currently drive a 1995 ford explorer V6 and its RWD that costs $140 a month on insurance and it gets worse gas mileage than a 1969 lincoln mark iii. as far as i know, this is a 34 year old car and registration is probably gonna cost 50 bucks or less and i live in NH. im 19 and have no tickets or accidents, will the lincoln mark v be cheaper than my explorer. i only have liability""
What would restitution be when my insurance is paying medicals?
I was hit on my bike by a driver of a car, who has since gone through the criminal court system and restitution has been awarded to me. So far, my own insurance company has been paying for my medical bills. What is my demand for restitution? Is it just the amount that the insurance does not cover (co-pays, etc.) or everything? What if I don't know how much medical help I'll need in the future? Is a restitution award a solid number, or can it be an agreement for the driver to pay medicals into the future, as well? I believe restitution also includes time I have missed from work (lost wages), etc.; Does it also include non-economic damages like pain and suffering? I have a civil suit against the driver, and I am just unclear how restitution from the criminal case works with the damages that I am seeking in the civil suit. Any elucidation would help. Thanks! I know laws can vary; I'm in CO.""
Car Rental Insurance?
I will be going to the US soon. I am a US citizen but do not live in the US. I will be going to visit family for a month and will be renting a car. My question is this, do I need to get the insurance from the vendor or is there a 3rd party insurance I can puchase? Most of the car rental places have LDW / CDW insurance for purchase but this almost doubles the cost of rental. My credit cards and car insurance here in my country of residence do not cover car rentals so I will have to get something. Does anybody know of a different route to take other than purchasing at the vendor?""
Long term car rentals vs expensive car insurance?
So about 2 years ago I got hit with a false DWI in NYC (passed breathalyzer test cops still lied and claimed DWI). But that's another story. Currently I purchased a used Landrover Disco 2. Geico gave me a sweet deal @ $1430/6 months until they ran the DMV report and saw my DWI from 2 years ago. Now my 6 month rate is $3700/6 months. That price is completely rediculous and unaffordable (according to my pockets). Therefore, my question, should I just do long term car rental? I mean I have a super sweet discount that rivals employees discounts @ National and Enterprise Rentals. I'm thinking I could just rent on a month to month basis for less than $3700/every 6 months. The added benefits would be new year car models and the option to trade it in for any vehicle I choose for an entire month. Plus the gas would be less than the Landrovers V8 premium requirement. Basically my question is, should I do long term rentals or run myself broke trying to keep up with insurance and gas prices on top of rent and other expenses?""
Do insurance companies had out new phones?
This is the deal. I bought a new phone. HTC Desire S. I then accidentally dropped down the toilet. This caused it to get water damaged which equals broken phone. It's with the insurance company, and I know my claim has been accepted and now they are deciding whether they can repair the phone or send me a replacement. Now.. What does a replacement mean: Does that mean a new phone (fresh out of box) Does that mean a refurbished phone (second hand) Does that mean a different model phone (not a HTC Desire S) I've never used a insurance company before for this kind of thing because I'm always very careful when it comes to my technology and gadgets, so I don't know. I'm hoping I'll at least get the same model phone I had. I only had this phone for 2 weeks (Upgraded from Vodafone)""
Car Registration and Insurance Company?
So, here is my predicament. A person wrecked into my car (while it was parked) and her Insurance Company (State Farm) has already sent out a person to do estimates and told me it is a Total Loss, which is fine, they offered me a lot more then blue book says, BUT my issue at the moment is, they told me I need to get my registration up to date before they would deal with me anymore (Was expired by a month cause my lack of insurance). So I rode up to a Tag Agency and got a Black Tag (In Oklahoma, we have color coated Registration stickers that we put on our License Plate) A Black Tag means it is not being driven and is parked but is up to date on being registered. So they told me they would call me back when it shows in their system I have registered my tags to up-to-date, and I called them today, which was over 48 hours after getting registration and they are still telling me they haven't heard anything. So I'm curious, did I do something wrong or is the Tag Agency slow? Or Insurance Company slow? (I'm impatient cause I need a car ASAP for work.)""
Can insurance change term suddenly without tell me?
Can health insurance stop cover my medicine suddenly? I have used this medicine for 6 months and now I refill it,( I have 12 months refill) my phymesist told me that the health insurance changed code and stoped cover it. Can insurance do that suddenly? What can i do to fight with them? thanks.""
Farm Bureau Car Insurance question?
Hi, I am wanting to go and get my full license, I'm suppose to be added to my dad's car insurance before hand though, if he has to pay $70.00 more a month, will he have to pay 70 at the exact moment that im added ? Or is that charged when I am on the insurance a complete month.""
Car Insurance Payments?
Is the car insurance still in act even if I don't pay for it on the day the payment is due, or does the insurance stop and resume until I pay for it? And, if I don't pay the car insurance on time, will they charge me until I pay them?""
Motocycle insurance??
i want to buy a motocycle (sports bike) buti would like to know an estimate of how much it will cost for insurance. Are sports bike more expensive than a car? I'm paying around 200 for my monthly with a car right now.
Which health insurance is good and better in California?
Deciding from this health insurance Aetna, Anthem Blue Cross of California, Kaiser Permanante.""
Insurance company and liability coverage on a leased car?
My sister is leasing a car and she changed insurance company last month. Don't know how this insurance Company gave her liability on a car that's not her's but they did it. She said they didn't even ask if she was leasing and when she asked how but full coverage was she said it would be to much. So lets just get this one. Now she just got into and accident on xmas day and her car is damage badly. The insurance people said they cant do anything with her car because of the coverage but I think that's not fair because she is still leasing on that car. What can be done can she sue the company on is it just her lost.
Thinking Of Insurance For A Car Even Know Im 15.?
Hi There For Ages Now i have been looking for an insurance site that does not have an age restrictor on it Because i am thinking of my first car. I Know quite abit to do with insurance im not a noob e.g ( I Will not be insured on a Nissan Skyline Lol ) Anyway .. I Was just wonderin if any 1 had any sites they would just giv out a price and not ask for your age. I Want my first car to be aither: A Citroen Saxo 1.2 or 1.0L , A Vaxhaul Corsa B Or C 1.2 Or 1.4L Or A Pugeote 106 1.2 , or 1,4 < This 1 I really want The 1.4 Engine. If There Is no such insurance site without an age restrictor Could somebody tell me what price it would be for the 106 1.4 L As A New Driver Please . Thanks And Hope You Answer. :)""
Is the insurance on a car cheaper if it is a kit car?
I want a flashy car but cant afford ferrari, lambo as so but i can 100% afford a kit car and they look the exact same but the only difference is the performance, i just want to know for example if i turned a toyota mr 2 into a lamborghini murcialago would it take the insurance down on the mr2 insurance, i heard it can cost up to 30% less but then i read that it can increase it by 50% i would love to read about personal experience please help??""
Insurance type help A-Z?
Hello, If there is no accident will occur or occured, but lost your eyesight naturaly, what type of insurance policy you should buy to cover your permanent disablement because of that, which will give you payout like personal accident insurance does?""
""I live in California, my 7 y/o daughter does not have health insurance, healthy families...?""
is not accepting applications anymore. we are a low income family and qualify for low cost medical, that does not cover doctor visits or prescriptions, where to apply for health insurance.""
Car Insurance Question... Help Please!?
I'm doing my homework and I wanted to figure out to find car insurance on the car of my choice. My car is a 2005 Cadillac CTS for $19,998, I picked it on Carmax. How do I find out how much insurance I must pay? I wanted to know Geico's Quote and Progressive's Quote. Also how do I find out Interest Rate... Somebody PLEASE HELP ME !""
Will car insurance always be expensive when I first purchase it?
I've never had car insurance and I'm about to purchase a car. I've been researching different companies and they are all pricey. Should I wait until I'm 25 to get my own insurance since it will be cheaper or is the price based off other factors? I'm currently 24 years old and never had insurance under my name.
Do i need to tell my insurance company that i have fitted lexus lights on my peugeot 206?
yea just want to know.... and if so how much extra it will cost? thanks
How much would it cost for insurance for a 17 year old male with a jeep?
Its a 1998 cherokee sport and we live in arknansas. The jeep is a dark green color.
How do Americans live in a country where you have no health system?
If you get sick enough you could lose everything, if you don't have insurance. I think that you can lose everything even if you have insurance.""
Cheap car insurance....?
whats the cheapest car insurance for teens
Saint Anthony Indiana Cheap car insurance quotes zip 47575
Saint Anthony Indiana Cheap car insurance quotes zip 47575
Anyone know part time jobs that give health insurance?
i know starbucks does but i was wondering if there were any others...
Can auto insurance carrier deny claim due to their insured simply ignoring request for signed affidavit ?
Hi Have a question. My rear bumper was lightly tapped by 17 year old new driver. Damage is minor and cosmetic at $425. My car is only three years old and in perfect condition. The insured provided me all his insurance information and said to file a claim through his dad's insurance carrier. I called local police department 911 line to report minor collision. Officer responded and insured admitted to police officer that he tapped rear bumper. Police officer looked at my rear bumper and refused to make a police report as he said cannot issue a report unless damage is over $1500. I begged the officer repeatedly to please provide me even an incident report or something official like an affidavit as the teenager admitted to officer that he hit my rear bumper. Police Officer simply drove off and left me on the side of the road with a stranger. Of course now four weeks later, the insured and his father have simply ignored phone calls, emails and registered mail attempts by his insurance carrier to verify version. (not sure what version would be needed as my black paint is on his front bumper) I called the insured and his dad hung up on me twice. The insurance carrier told me they are denying and closing out the claim due to insured not responding. They said this is totally legal under Illinois State laws. (basically too bad, so sad) By the way this insurance company has unacceptable rating with state insurance board and BBB. I paid a body shop $425 in cash to fix car yesterday. Do I have recourse as I see my options would be to file a complaint with Illinois Banking and Insurance or file a small claims lawsuit against insured and insurance carrier (but that is an additional $119 court filing fee) Any ideas would be appreciated.""
Car insurance for a G37?
I am under my parents car insurance, i havent been in an accident and have no point on my record. I also have all a's and b's. I currently have AAA and have been driving for 2.5 years. Is a G37 considered a sports car under AAA? if it is considered a sports car, how much would my insurance increase? (right now i have a honda accord 2004)""
Why buy life insurance if you are young?
What is the benefit of buying life insurance if you are young and not married and have no kids?
Do I need to buy car insurance before driving a used car that I purchase home?
I am thinking about buying a car. I won't know if I'm buying this used car until I go look at it. How do I drive it home, if I won't have car insurance at the moment that I buy it?""
Can I purchase a car in my name but put the insurance in someone else's name?
I plan on purchasing a car soon, but I want to put it on my fathers insurance because it would be cheaper to pay. Is that possible? also does it depend on the state that you live in? If so can someone tell me for the state of Virginia? Thank You.""
Adjudicated speeding citation: what happens to insurance in Florida?
My parents handle my car insurance (Hartford). Go to college in Miami. Parents also live in Miami. Got my 1st speeding ticket (38 mph in a 30 mph zone), took the class, had the citation adjudicated/cleared. Would rather not have my parents find out. A) Will the insurance show my driving record or citation history to my parents? B) Does Florida law allow ANY charges to insurance after points have been cleared?""
How do you pay an insurance deductible?
Well i sadly wrecked my car today i have full coverage because i have a loan from a bank and im still making payments on it. I let the insurance company know. But my deductible is $1,000.00 and i dont have a thousand dollars. Can you like make cheap payments on that or do you need it all upfront? Or do i not have to pay it right away?""
What happens to my insurance costs when I go from provisional to full licence?
I am currently learning to drive on a provisional licence and insurance in my own car. I have paid a premium for the provisional, but shouldn't need it for much more than 3 months hopefully. So what happens when I pass my test? Will this insurance be upgraded to full insurance and will there be any extra cost? Admiral if that helps. Thanks in advance""
Why Do I Pay More For Health Insurance Now?
I'm a recent graduate, female, non-smoker with a healthy weight and eating/fitness habits. I'm not rich by any means, but my health insurance rates have gone up a lot since ...show more""
CHEAP DOWN PAYMENT FOR CAR INSURANCE JUST LIABILITY?
CHEAP CAR INSURANCE LILABITY ONLY
How much would car insurance be for a 16 or 17 yr old guy?
im 16 now, ready to get my first car and drive, but i need a steady job to pay for my insurance. so being young and a male, how much should i be looking to pay?""
Are there any web sites that can give me a free quote on how much my monthly car insurance rates would be?
im buying a 2007 pontiac solstice today and i am wondering the insurance on it
Will my insurance provider penalise me for doing this...?
If i have a policy for my motorcycle and a policy for my car, (both policies are form the same insurance provider) and over the summer i decide to drop the policy for my car, only to activate it again in the fall, will that be considered a lapse in coverage? Will my rates be higher because of this action when i reinstate the policy in the fall?""
Backdated car insurance?
A while back, my husband drove my moms car and totaled it. At the time, we had no car, so we werent carrying insurance. A telephone pole had to be replaced. ANYWAYS, my parents insurance said they are going to cover it. Since then, my husband and I bought our own car and our own insruance. NOW my parents insurance company keeps calling and they want our insurance info so they can bill OUR insurance. When he had the accident, we explained we had no car insurance. Then they called, and my husband had said we have insurance now, but i tihnk she thinks we had it then too (even though we've told them we didnt, which we didnt at the time). They keep wanting the information so they can backdate our insurance and have them pay for the accident. From everything ive read, this is fraud and is illegal. Is this true? They called again today wanting the information and we werent home, and my parents keep saying we never had insurance at the time, so tech. our insurance NOW has nothing to do with it, and it cant be covered by our insurance since we didnt have it at the time... im confused. can someone explain this to me please?""
Whats the cheapest quote you have gotten for your car insurance?
were you happy with the quote? what company was it with? are u still with that company?
How much is it to get your insurance license?
How much is it for the classes/exams/etc in california? I just got hired for state farm, and i need an insurance license but how much is it exactly?""
What would insurance cost on a 2010 nissan versa?
I am getting my first car a brand new nissan versa approximately how much will insurance cost me i'm a male and a college student
How much will it cost me for insurance and plates etc..?
im buying a 94 supra twin turbo for $18,500. im getting a loan from the bank for the car but what else do i need after i buy it? how much do i need? should $600 be enough for all that stuff?""
Does vehicle modifications raise insurance?
Things like new Wheels, body kits, engine swaps and etc. Would modifications raise insurance?""
Where can I Find Reliable Cheap Life Insurance Quotes?
I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy. There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services? Also, are there any good tips for saving money buying life insurance for small business owners?""
Do I need insurance in North Carolina if I do not have a car?
Im over 18 and I need to help out my family by getting a Drivers Liscense. Do I need to have Car Insurance, even though I will not have my own Car?""
Who has the best health insurance ?
I'm looking for health insurance that's really good and worth the money?
How much does auto insurance drop at 25?
I turned 25 a couple of months ago and it looks like my auto insurance only dropped $1.81/month. Isn't it supposed to be more of a discount than that? I have a clean record, no accidents or tickets.""
Do you need insurance to ride a motorcycle with a motorcycle learner's permit in California?
I find information about people having their motorcycle licenses with insurance, but I couldn't find any information about having insurance with a motorcycle permit in California. I am 16 and have a motorcycle learner's permit and want to start riding.""
Saint Anthony Indiana Cheap car insurance quotes zip 47575
Saint Anthony Indiana Cheap car insurance quotes zip 47575
https://www.linkedin.com/pulse/texas-insurance-harvey-charles-oliver/"
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