#well I’m going to ask my doctor for a letter of rec so insurance can cover it | Explore Tumblr posts and blogs

hellyeahtrickster · 4 years ago

Text

It occurs to me that I have friends here that I don't have contact with in other spheres, so ... life update: my mother passed away unexpectedly last Friday. I'm doing as well as one would expect. Been going through her things as both a walk down memory lane and a goodbye. I keep coming across things she never got around to using, and it hits hard that now, she'll never have the chance. And I can't stop thinking of the stories we watched together that now she won't know the ending to, or shows I wanted to try with her. And then there's all the things we used to do together on the regular -- all the places I can never go with her to again. And all the places we wanted to go to "someday", but now she never will.

We were two weeks out from our second COVID shots, and 4 weeks from being totally vaccinated. We were finally going to get back to EPCOT, to see the Flower and Garden show. Finally going to get back to the Florida Mall. Going out to lunch. That I won't be doing this things with her anymore ... it's unfathomable. I can't wrap my head around it.

Thanks, anti-mask / anti-vaccine Covidiots, for prolonging the presence of this pandemic -- basically stealing the last year of my mother's life. She was anxious to see her elderly mother again, because we don't know how long *she* has left ... and now she never go to see her mother again. I knew losing my mom would happen someday, but my mother was relatively young yet, so I thought it would be a while ....

It doesn't help that she died after the second night on a new bed. See, she slept on her side all the time, what with the couch being narrow, but with a twin mattress, the bed was much wider. She snored a lot -- I highly suspect she had sleep apnea. When I found her the next morning, she was on her BACK. The doctor agreed that her cardiac arrest could have been caused by sleep apnea. In trying to make my mom more comfortable .... Yeah, I know, it's not my fault, but I cannot shake that thought away, that she's not here anymore because we tried to do something nice for her. How cruel the humour of the universe can be.

(I'd put the rest of this behind a cut, but I don't see that option anymore? Sorry!!)

And it REALLY doesn't help that, not only have I lost the person I was closest to, but now I am stuck alone with the person I least want to be with: my dad. I'm pretty liberal, and he's pretty conservative. We fight a LOT. We haven't really since mom died (things got a little tense here and there, but not like we usually are) ... but I know it won't last. It can't -- not when he believes BLM are terrorists, or that gays have an agenda. And now he keeps wanting to do things with me, like watch my shows, and a petulant part of me is like, no, this is mom's territory -- stay out. I don't want to do anything with him. (Especially since I know he'll start ranting once the shows start talking about racism and homophobia.)

My parents always had a volatile relationship. Mom didn't know you could get pregnant the first time, and when she found out she was pregnant, her Catholic family bullied her into marrying him.* And he cheated on her at LEAST once (with a girl who was only a few years older than me at the time -- I was 15, she was 19, he was 33). My mother was far from perfect, so I don't blame all the marital problems on him. But my point is they were married "in name only" for about the last 25 years, so it's ... offensive to me now that he would dare to act bereaved.

I know he can be hella manipulative, make himself seem generous so as to be loved, and then turn on you like a viper, getting irrationally angry. I can't drive, we live in a very rural area with no public trans, there are no friends or fam less than an hour away, I've had next to no job for the last 17 years, I barely feel like a functional human being (am coming to seriously suspect I have ADHD and Dyscalculia; I have diabetes and suspect have PCOS and a thyroid problem; all these things having strong interconnections; and I have no insurance, nor do I qualify for aid, thanks to living in Florida), and I feel utterly trapped. There's a reason Rapunzel is my fave princess. I've had bad experiences with cabs, so using Uber / Lyft kind of terrifies me. Plus, he'd want to know where I'm going, and likely either insist on coming too, or insist I can't go, because his house, his money, his rules. The ONLY time each year I get away is when I go to Dragon Con (and I'm worried he might forbid that in the future -- he has once before).

And then there's the problem of ... he has no one. As much as I can't stand him, he lost his job because of COVID, he's lost his wife, he has no real friends (total homebody), and like it or not, he has supported me financially for so long. Even if someone else were to take me in, or I can get a job and save to leave ... how can I leave him (a person with severe rheumatoid arthritis / in not-great health)? I owe him too damn much, and I feel like it would be entirely callous of me. Yes, I realise that that's the abuse talking, but ... it's also true?

Anyway, I feel like I'm on Sliders, and keep stepping into progressively worse timelines.

* Let me mention that I have long suspected my mother is -- was -- on the autism spectrum, but when I mentioned it to one of her sisters, the sister seemed skeptical, saying that if anything, mom had a penchant for reading out loud, so they thought maybe she had a reading disability, and took her to a specialist, but "that's it". (Mom was in "remedial" classes through high school, so it doesn't sound like they did enough -- and maybe couldn't because the science just wasn't there.) I explained that mom frequently seemed to have trouble grasping concepts, especially humour. Like when a radio ad featured someone reciting a love-letter to a tomato, she was all, "That's stupid -- tomatoes can't read!" Try as I might, I could not get her to understand that the love letter was a playful way to tell US about what makes the tomato so good.)

Anyway, when I talked to my grandmother recently, she said that my mom "always had a special way of looking at things," and that she guessed mom was "what do they call it -- neuro-something? 'Aspie'? High-functioning, but still." And I told my cousin about it, and he said, "Wait, I thought it was common knowledge in our family that your mom was autistic?" (Note: we have other, officially diagnosed family members who are on different areas of the spectrum.) People always commented when I was growing up that it was like my mom's role and mine was reversed -- like I was the parent, and she was the child.

But to think my family had *recognised* that something was up, and left me, a child, to deal with it on my own?? To think they *pressured* someone who was "special" into having a child?

I know my mom loved me, but my whole life, she said she wished I'd never been born, and so she'd never have married my dad -- I know both can be true, that she loved me but wished she'd never had me (she'd have never known what she was missing). She only survived her marriage because I was there; I've always felt she'd have had a better life if she hadn't married him. When she tried to leave him, her mother would not take her in, because divorce was against her mother's Catholic beliefs (never mind that my uncle divorced twice)

I loved my mother, but were fought a lot, and she frequently exasperated me as we struggled to communicate. She frequently left words out, but did not believe that she did; when we met her last PCP the first time, he looked at me and said, "Is she always like this, or is she having a stroke?" And she would always angrily proclaim that I wasn't listening, when most of the time, it's that I couldn't get her to understand that she was working from a misconception or misunderstanding in the first place, because she would focus on ONE THING, to the exclusion of all else.

An example of an exchange (copied from a letter I wrote to a friend): We got into a weird argument yesterday. She had asked me for pain reliever, a glass of tap water (you're supposed to drink a full glass of water with the pills), and a "cold water" from the fridge (it's too cold to drink it all at once, but we both prefer ice water in general). Later, I was picking stuff up from her table-tray, including a bottle of pain reliever, and put a bunch of stuff away. When I passed by again, she asked for more cold water. I happened to look as see that she had the tap water glass still full, even though she had asked tor it half an hour before. I asked if I needed to bring the pain pill bottle back, because she hadn't drunk the tap water yet -- had I taken the pill bottle too soon, or had she forgotten to drink the water? She was all, "no, I said I need COLD water!" I said I knew that, and I would bring it; I was just asking of she had taken her pills already, or if I needed to bring the pill bottle back too. Her (again): "I said I need COLD WATER!" Me: "I know, and I will bring that -- I just want to know why you haven't drunk the tap water yet? Did you take your pills?" Her: "No, I'll take them at bed!" Me: "So I should bring back the pill bottle? Did I put it away too early?" Her: "YOU DON'T LISTEN! I SAID I NEED COLD WATER!" Me: "And I said I will bring that -- I'm just asking if you also need your pain pills?" Her: "You already took the bottle!! Did you forget that already?"

And then I finally spotted the white pain pills on the napkin under the tap-water glass, so I knew that no, I didn't need to bring it. But it's a frequent struggle to figure out how to phrase questions so I get the answer I need -- nearly every time, I get her screaming at me that I don't listen.

She loved me, but she was never mothering. She hated to be touched, so never hugged me; I was pretty touch-starved. I learned to read because she was a very slow reader when reading me stories; I got impatient and learned to do it for myself. She couldn't help me with my homework. She resented having to take me to school recitals and science fairs. She wasn't someone I could get advice from. I admit I was often envious of characters who had physically-loving, compassionate, wise mother-figures (who weren't so binary about morality -- and so weren't always screaming that this or that character should die, no matter how small the transgression).

But I wish she were still here to frustrate me -- that's so much better than not having her at all. And I wish I had been better at keeping my temper.

She was an atheist, and firm in that belief. Maybe she's right, or maybe her firm belief is affecting me, because I would dream frequently about others I have loved and lost, and swear I feel them, but with her ... nothing. Just a gaping hole in the fabric of my waking life, threatening to suck all the light and hope into it.

#mine #rant #personal #tw: death #cw: death #the death of my mom #my mom

6 notes · View notes

medkltty-blog · 8 years ago

Text

The Integrity of Medical School

I’ve been in medical school for a little over a semester and I have become very disillusioned with medical school as an institution. I’m glad I’m in medical school and I know how lucky I am to be in medical school, however, I’m struggling with the ethics of medical school as an institution.

It took me six years to get into medical school. In that time I got a bachelor’s degree, a graduate degree, I worked full-time and volunteered nearly 20 hours a week. I took the MCAT and went on interviews and paid for my applications. In that time, I also probably spent well over 30 thousand dollars trying to get into medical school, not including the student loans I had to take out to pay for my pre-med and graduate classes. The cost of my applications, alone, was 5 thousand dollars. And that was the second time I applied. The cost of my interviews were also easily 5 thousand dollars as well.

When I got into medical school I was excited to become a doctor. I was proud of myself and felt vindicated that all of my hard work paid off. I was ready to start learning how to be a doctor. My first semester was absolutely miserable. The morale of my class was extremely low. We go to a school that heavily emphasizes wellness but a slew of new changes based on feedback from students ahead of us created a schedule that was unsustainable and didn’t leave time for any self-care practice or wellness at all. The idea of wellness became a running inside joke in our class where people would proudly state that they participated in self-care by taking a shower for the first time in two days or by sleeping in past 7am on a Saturday.

But we got through that first semester, propelled by second year students telling us that it would be all downhill after that and that once we started organ systems second semester, we’d be so much happier and have so much time to take care of ourselves and study (because our schedule was so jam-packed that it left very little time to study and our attendance in class is required). We had third year medical students telling us how they would rather repeat their entire third year of medical school and all the crazy rotations that go with it than repeat their first semester. And so we took all of our finals and set off for winter break looking forward to next semester.

Our second semester started a little over three weeks ago. News that we lost six of our classmates spread through the class. They chose to leave or weren’t allowed to come back by the administration. It was an elephant in the room that none of us can talk about because of privacy rules. Still, morale is higher when we start up our organs systems classes.

And that is when I realized what a money scam medical school is. I am required to go to class if I want my class rank to be high not because our classes actually teach us information but because your grade is connected to your attendance, so poor attendance = a poor grade = a lower class rank. I sit in class for up to 9 hours a day and have clinicians read powerpoint slides word-for-word to me, none of which are interesting or helpful to my actual learning and all of which I could have read to myself at home. I am told by our academic administrators to buy resources like First Aid to study for Step 1, they bought us a Q bank but we have to pay for everything else. $900 later, I have subscriptions to Pathoma, RX, Sketchy, and Firecracker. I wanted to buy a set of clinical case books recommended to us but the price on Amazon was $653. By the time I take Step 1 I will have taken out 150 THOUSAND dollars in student loans ON TOP OF the student loans I already have from two bachelor degrees and a master’s degree.

I will need to pay the fees for the Step exams on my own. I am expected to join various professional societies and pay their yearly fees because it will make my residency application look better even though joining those professional societies has no impact on what kind of physician I will be, how much I care about others, or my Step 1 score. And, of course, those professional societies are so generous and give you a discount because you’re a medical student, so instead of paying $500 you’re asked to only pay $150. But isn’t it worth it to add some fake prestige to your residency application by saying you went to the AMA conference one year? The AMA that endorsed Tom Price for HHS secretary? The AMA that endorsed someone who wants to remove the ACA and condemn 43,000 additional people to death due to lack of insurance every year. Sign me the fuck up, right?

I am disgusted with the cost of medical school. I knew it would be expensive but I feel it is unethical to ask students to spend so much money applying to medical school and taking the MCAT and then asking them to pay EVEN MORE. Especially when there was so much hand-wringing from the AAMC and NBME about how to make medical school more affordable and how to increase the diversity among students and increase the number of first generation physicians (since studies show that children of doctors tend to be worse doctors than their first generation peers). I have an idea:

Get rid of the first two years of medical school. Make Step 1 the admissions exam for students. Get rid of application fees and the MCAT altogether. Start students up in January, give them a ten week course in gross anatomy, followed by a two week intensive clinical skills course and a first aid/CPR certification, and start them up on wards in April, a full 2 to 3 months earlier than most schools. This gives students 5 to 6 months to explore specialties after their required rotations instead of 2 to 3 which aren’t even really used for students to explore since those are the rotations they need to do in order to get the letters of rec they need for their residency applications (may be the lack of time to explore specialty options is why 60-90% of physicians hate their fucking jobs).

And then, of course, you have to spend thousands of dollars on your residency applications and travel for interviews, which are not factored in to your student loan awards.

This will never happen, though, because the AAMC makes billions of dollars in application fees, MCAT fees, and official test prep materials. The NBME makes billions of dollars off the backs of students paying for their exams and the LCME makes just as much. None of the organizations that could change the system have the incentive to do so because they are too busy milking medical students for all the money they have.

I know it sounds like I’m too money focused. The truth is, I’m not. I gave up hope of ever paying off my student loans years ago. I will never pay them back and I didn’t want to be a doctor because of the salary. My disillusionment with medical school as an institution is due to the ethics of it all. When I was applying to medical school there was a huge push to improve medical class diversity and encourage more minority and lower class students to apply. You can get fee waivers and financial assistance to cover the cost of your MCAT fees. But that doesn’t go far enough. Those application fee waivers don’t make booking flights for interviews any cheaper, they don’t lower the cost of having to rent a car or buy a suit for an interview.

How can we expect students living in poverty to drop 5 grand on interview costs just to get in to medical school? How can we expect students living in underserved communities to afford the cost of Step 2 and the price of travel to and from the 6 locations in the country you can take it? Underserved communities NEED students who understand what living in those communities is like to go back and be their doctors. And, yes, there are scholarships and small-scale help, but I’m arguing that the entire system, right now, is designed to keep students who can’t afford to pay for medical school admittance out. Is a student whose family is on food stamps really going to have $150 to pay for the MCAT? No.

I look around at the people in my class, which to my school’s credit is exceedingly diverse in race and religious background, however almost everyone in my class comes from a family that was middle class or above. Half of my classmates have parents who can afford to pay for their tuition and living expenses. I am part of the other class that has to take out loans. But when I was applying to medical school and there was a mix up with my teaching assistant stipend that lead to it being delayed, my dad was able to loan me the $2500 I needed to submit my AMCAS application on time. If I had not had a full-time job as a graduate student, though, I would not have been able to afford the cost of interviewing, and a third of the interviews I went on were local.

In class, we are asked to think about treatment plans for patients and discuss them with each other. The girl sitting next to me says she thinks this ethics class is a waste of our time. The patient is an overweight child who we need to counsel, she lives in a run down part of a large city. We work together on her treatment plan and my partner comes up with a list of groceries to buy. I point out that the patient in question is a minor and likely not in charge of her food and that the education needs to be directed towards the parent and the patient. I also point out that due to the income level of the area they live in, the patient’s mother is likely relying on food stamps. I go over the grocery list and not a single thing is realistic. I point out that food stamps cannot be used to buy milk. My partner is shocked, her eyes widen; when I tell her how food stamps in my state can’t be used to buy rice, her entire world is turned upside down. I voice this in class when we are invited to share. A male classmate who is openly gay and voted for Trump comes up to me and asks me to explain why food stamps can’t be used to buy milk. I do and he doesn’t know what to say.

I look at my classmates who do not understand what poverty looks like in reality and I think about the people I know in rural towns who blew their entire savings trying to get into medical school only to be told when they didn’t get in that they needed to go take the MCAT again because the 29 they got wasn’t good enough, they needed a 30. The people suggesting this to my friend recommend taking an MCAT course not realizing the closest one would be two hours away and that the nearly 3 grand the course costs makes that impossible, not to mention the cost of taking the test again. It doesn’t matter, though, because she wouldn’t be able to afford all of the resources for Step 1 let alone the cost of THAT exam once she got into medical school. She works as a CNA in a nursing home.

How can we put such a financial burden on students applying to medical school? How can we ask medical students to pay so much money for residency applications, licensing exams, and tuition? How can we do that and then ask them to enter a profession that requires them to get permission from insurance providers and hospital administrators to order a damn chest CT? How can we ask them to pay so much money and then ignore the fact that there aren’t enough residency spots available for all of them to train in? How can we ask pre-med and medical students to pay so much money when the health care system is in shambles and the only people making money are hospital CEOs and insurance companies? How can we expect medical students to pay back their massive student loans in a system like that? Why are institutions like the AAMC so comfortable setting so many medical students up for failure?

Because my school emphasizes wellness, we have mandatory wellness classes we have to attend. Because, in medical school, giving students time to practice self-care isn’t as important as requiring them to attend a four hour class telling them they need to practice self-care and get lots of sleep, all while requiring them to be at school by 8am and making us sit in class until 5pm, giving us five hours of the day to study before we do it all again. And, of course, in those five hours of study time we also need to fit in time to exercise, feed ourselves, and maybe speak with our loved ones for five minutes to make sure they are still alive. Because self-care!

I wouldn’t say I’m jaded about medical school this early on but I am questioning why this system is in place. Why pay for two years of medical school when everyone just uses First Aid and Step resources to get a good score? I think medicine, as an institution, is really stuck in this idea of “well, I had to do it so you do, too” which I think is a really dangerous way of thinking. I think if medical students have extremely high rates of depression and anxiety (myself included, however mine was with me long before medical school) and it just gets worse through residency and becoming an attending there’s something wrong with the system. And if something isn’t working, why shouldn’t it be fixed? “Because I went through it and you should, too” isn’t a good enough answer for me. It’s also not accurate, right? The doctors who are saying that bullshit excuse went to medical school in a different time, where they could actually make decisions about patient care without having to call an insurance company for permission first. They went through medical school when it was actually affordable. They went through medical school when the idea of a woman being a doctor was either not allowed, unheard of, or looked down on, because who would take care of their kids at home while they went through residency if their wife was in medical school?

So, yeah, they went through medical school and worked all of these hours and paid for medical school but the context was different, so I still want to know why such an archaic system that is already financially unattainable for people we NEED to be doctors and is quickly becoming financially unattainable for anyone who doesn’t have a trust fund is allowed to exist. I want to know why a 60-90% dissatisfaction rate is considered acceptable among physicians without any examination of the system that makes them into physicians.

#Medkltty writes #medblr #medical school #ethics

111 notes · View notes

profoundgardenertree-blog · 7 years ago

Text

If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

"If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

Simple question. Will employers go back to the old max age which was usually 19? Or will they stick with the new 26 since that transition has already been made, and millions of young adults only have insurance because of the new max age. Love or hate the rest of obamacare. I usually can't find anyone that thinks its a bad idea to let kids just trying to get a foothold on life to be on their parents insurance.

BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr

RELATED QUESTIONS:

Questions about car insurance(Personal Injury Protection)?

http://lh5.ggpht.com/_4cB1MyCtlwM/TN8WP-b6ciI/AAAAAAAAA70/PKN_oape-9s/PIP.jpg http://lh3.ggpht.com/_4cB1MyCtlwM/TN8WQEQb-UI/AAAAAAAAA74/K7-lBKERzf8/GEICO_%E9%A1%B5%E9%9D%A2_1.jpg It is my first time buying an used car, the car does not worth too much money, so the insurance is more about people, not car. Can someone help explain the choices in Personal Injury Protection ? Especially for the word waived , what does the word mean here? Is my car insurance(amount) reasonable? How is the geico price? I did not compare with other insurance companies. Thanks.""

Did Alanzo have car insurance in Training Day ?

https://www.youtube.com/watch?feature=player_embedded&v=InPoPRfqNWM If he didn't have car insurance why do we have to?

Does California vehicle insurance cover broken windshields?

A turkey vulture smashed my windshield yesterday. I have full coverage insurance and they told me I would have to pay my $500 deductible. In other states I've had windshields covered for free. *ONLY the windshield was damaged*. No other parts

What is the name of the song on the JUST CAR insurance add on MTV ?

It the one with errbody beatboxing and this FLii as dude driving around with his blue car. There is an old as asian dude beatboxing and a couple of hot chicks as well. pls pls pls ...show more

Insurance for a 2nd hand two wheeler.?

Recently purchased a second hand 2wheeler. Changed RC to my name already. Regarding insurance, which one is good?? 1) renewing existing with my name or 2) purchase a new insurance. which one is best?? do we have any difference for the above options?? Approximately how much it costs for both options??? Please guide me.""

Does anyone know a cheap liability insurance company for an 18 year old?

Please let me know asap. Thank you!

How much is car insurance for a new driver that will be driving a used car? in IL?

the car is already payed for, and i will need to be paying for insurance for a 16yr old, how much is it per month/yr?""

How does car insurance work?

So I am planning on asking my friend to borrow his car to drive when he's going to travel, but I do not have any insurance. Is it okay for me to drive? His car has insurance, but I do not have insurance under my name. Does that mean if I bump into something, I will get into trouble, even though the car has insurance?""

How much for car insurance?

Im 19 and have two tickets.. One for no licence nd the other for failure to yeald..how much would it be??

Is it possible transfer the auto insurance?

I would like to buy a old car and is it possible to transfer the excisting insurance to my name,I am living in MA USA""

""How much would you expect a family of three making 40,000 a year to pay for health insurance?

This should be interesting. How much?

Classic car insurance..i need to insure a porsche 924 as a 2nd car.weekend use only any ideas of cheapest?

porsche 924

What would the price of insurance be for a 16 year old male after going through drivers ed and taking the...?

behind the wheel license test through the school? I am getting my license in a couple of days and wondering how much it would cost just in case i have to pay for it. We have a 2004 trailblazer, a 1999 grand prix, and a 2000 ford ranger. I get good grades and im not sure what else you need to know. Im in az. Im wondering because i cant put my info on the internet for a quote so i just want a ballpark monthly price.""

I need dental insurance...?

Does anyone know of any good places I can get dental insurance through? Thanks

Car Insurance Renewal?

Dear Mates I have been driving for a year,The car that I have got is Micra 1 litre. Just received a letter from my current Insurance Provider. Letter says that my car insurance is 1807 for this year, if I pays Monthly. Which is about 300 more than last year. Even this year, I have got 1 year No Claim Bonus. What you guys think, is that OK or is it too much on this car? How much do you pays at the moment? Many Thanks""

Need of car insurance web service?

I am doing project in car insurance.For that i want web services for car insurance. Please anyone list car insurance web service available

Can I have both employer provided insurance and obamacare insurance?

Range of Insurance rates for a 25yo Canadian (New Driver)?

I am a 25 year old Canadian, buying my first car. It will probably be 6+ years old, valued at less then 5,000. I'm wondering about insurance. I spoke with a broker telling me prices range from 4,000 - 4,500 a year (~$333/mo). This sounds excessive. She also said with third-party coverage the type of car I drive shouldn't matter, which left me with doubts. What should I expect to pay?""

Does anyone know what ppo health insurances don't have no deductible and no coinsurance ?

I've been looking for a good affordable health insurance cuz the doctor I need to see only takes ppo insurances :/ can someone give me a list of insurance that have no deductible and no coinsurance ? Please ! Help

How do I get a car registered which has no papers/plates and has sat for years?

I responded to a newspaper ad recently and bought a 1971 vw beetle. The car had no plates and no paperwork that I could find. There were several telltale signs that the car had sat a number of years, but I understood it to be a project. The seller said he had originally bought it at auction with the intent of using its (good) engine for a sand rail dune buggy, but that like many other good plans requires time. Once paid for, I was provided no bill of sale which I feel I was owed. It was as if the seller felt that since he had let the car go very cheap, that he owed no person any more, and if he did, he should've either charged more or wrecked it instead. Like he could have gone to the trouble but would be put out for something extraneous. The seller has a shop in an easy to find location, so it is not as if I cannot find him, and he doesn't appear to be trying to hide, hes just a strangely irritable and crotchety person.""

What's the best car insurance?

Got a good quote from 21st century insurance. I'm thinking of switching from my Geico. I'd save a little bit but if anyone thinks Geico is a much better company then I'd probably stay. Any advice out there? Should I keep looking? I live in Florida. Thanks!

Car accident/insurance.?

Okay, three days ago I got into a car accident, I drive an SUV and the other party drives a Toyota Camry. Save for a few scratches on the bumper, my car is fine, the other woman on the other hand says she can't open her door and the front right light and part of the bumper is damaged. I told her I would cover the damages if we could keep this from the insurance companies. She agreed, but is now saying she is in pain . No one called the cops and she was at fault, I CAN NOT afford to have an accident on my rec as I'm only 18, what to do? I said I'd pay as my car is fine and as a thanks for staying mum. Now shes called her insurance company and claims she got an estimate of $3,600 for the car and medical.""

At fault driver's car insurance won't pay for my damages!?

Hey guys and gals, My wife was in a car accident on 10/8 driving our truck with liability only insurance (IE: not full coverage because the truck is only worth ~$3000 and it's paid for). She was turning right and had slowed down to turn (with her turn signal on) when a speeding truck slammed into the van behind her, ramming the van in to our truck. The police filed a report, in which the driver of the speeding truck (an 18 year old kid, that had just left his house less than 1/4 mile away) was determined to be at fault. It is worth note that this happened in front of two different auto body shops, and within sight of the house the at fault driver had just left. Their insurance company, state farm, finally contacted us on 11/8 after not returning our phone calls for nearly two weeks saying they had determined he was in fact at fault and would send an adjuster the following Monday. He came, inspected the truck, determined it was repairable, then said we would hear from their office later that day. When they called they told us the damage was more than 75% of the vehicles worth so it was considered total and they would send the required paperwork to my email address to begin payment. Within 3 hours, the claim agent we had talked to the previous Friday said an owner of one of the auto shops had came forward (all of a sudden, no mention of a witness before) and that he had a notarized statement saying the van struck our vehicle before the truck struck the van. The insurance company now will not pay us for the damages. We tried to call the witness and get a copy of his report because State Farm would not give us the copy. Then we called the other auto body shop and both the owner and one of his employees both seen the accident and say that the truck was at fault, and the owner overheard the driver say specifically that it was his fault. When we bring this to the agents attention, she claims this is not evidence because they know the at fault driver. We found out that the first witness also knows the driver, but can't prove it. Ours is a small town, you don't have neighbors that you don't know or speak to. It seems we are at an impasse, and I have been without a truck for nearly 6 weeks. What should I do in this instance? Get an attorney? Our insurance agency is adamant about not intervening since we did not have full coverage insurance. It may be worth noting that my wife has had back and neck pain since the accident and went to the hospital the day of the accident, the family doctor twice since, and has an appointment with a chiropractor next week (all of which our insurance has paid for.)""

Does failure to signal increase insurance rates in Oregon?

Insurance question with truck vs sports car?

im 19 and only have a couple tickets on my record and hv never been in an accident and currently own a 2010 titan. i was wondering if anyone knows how much the difference would be if i sold the truck and got a car......ford mstang or a mitsubishi lancer evo or any car similiar to those. thanks

If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

""How do I get this auto insurance issue taken care of? Possible Law Suit, advice needed.?""

I originally had State Farm and was paying $232 for a Hyndai Tiburon, had a traffic accident for, Improper Lane Change, the other person did not file a claim, had to spend $500 to get my car fixed and $89 on municipal court fees. I was told that the incident, since I paid it in full and did not receive probation would not be held on my license, however it did make my insurance go up to $302, because of the deduct able, very understandable. This was in Ga. I moved to Ok. I looked at new insurance here and found one with Mercury Auto Insurance through a 3rd party company and received a quote for full coverage at $232 a month, so back down to normal price. They ran my license and everything, everything was fine, I even told them about the accident and they said that it would not change rates. Well, it did. I got my first statement and my bill was $314! I called up to the 3rd party company and they said that the insurance company charged my Improper Lane Change, as an Erratic Improper Lane Change, and as such it was classified as a traffic accident on my license and that's what made it go up. She said she would call me back, but she never did and I have been working so much, I haven't had a chance to call back. So here is what I need to know, and please no stupid insurance companies trying to solicit. 1. Who do I call in Ga. and have them dismiss those charges on my license and if they can't, how do I go about filing a lawsuit for illegal allegations after trial? 2. Who do I contact, when I have the proper information, the 3rd party company, or the actually insurance company....or both?""

What car insurance is cheap for young people?

Will I have to pay sports insurance ?

I'm a 16 year old female and I will be getting a 2007 tiburon 2 door , 4 cyl car , would I have to pay sports insurance on it even though it's not 6 or 8 cyl. ?""

Car Insurance need advice?

I have one car with 24 years no claims and am going to be the policy holder for my sons car. Can i put down that i have 24 years no claims or do i have to start again (in the sense put 0 down??)Im quite confused by the process as i haven't had to do this before, also it is very difficult for him to afford insurance if we don't do it this way so if anyone knows of any good cheap insurance companies""

Can I go to a doctor and claim no insurance even though I have health insurance?

I don't want my father getting bills from the doctors office or his insurance company.

Im an expecting teen &im about to get married. what would be the best life&health insurance to get?

please provide options or suggestions. we both have monimum wage jobs and it needs to be affordable.

How much will my insurance go up for my traffic violations?

Over the summer I got a ticket for passed inspection date. Then in December I got 2 tickets simultaneously. One was a 16miles over the limit and the other for not having my driver's license in my car (but I do have one). How much will my car insurance go up?

Cheap car insurance for 17 year olds?

I am 17 and need a car to get me to work as it is quite a while away and costs me over 30 to get to a week!!! I passed my test last month and have done pass plus. I tried getting insurance for a 1.0L Lupo and it was 7500 on my own name (tried it a few times using thrid party only, thrid party fire & theft and fully comp but kept getting the same) I tried adding my father as the main & named driver (20+ years no claims) and reduced it to about 5000 which is still very very high and im not even using comparison sites (mainly sites aimed at 17 year olds) :@ I am quite angry becuase my friend when he passed last year got his insurance for 1600 on his own name at the age of 17! Any ideas on insurance compainies or how to reduce my insurance??""

""I had full coverage auto insurance, my policy lapsed for 2 days & during that time I had an accident am I cov?

The Insurance company is Coast Insurance in California. The accident happened during the 2 day lapse period. I have been with the company for approx 10yrs

I started requesting an online CAR INSURANCE quote from PROGRESSIVE.COM....but?

They want to collect personal information from consumer reporting agencies, such as driving record, claims, and credit history reports. Is it safe for me to fill out the online form and give Progressive.com (Progressive Direct) the OK it needs in order to collect this information to give me a quote, or is this a possible Phishing expedition that I might regret later on? Thanks""

How to apply for a government health insurance?

my friend is on a student visa and she is to stay here for 8 months. She wants to apply for a health insurance just in case anything happens to her stay here in California. What are the steps to apply? is there a certain website where she can look for it? Does it include the medical, dental and visual insurance too? thanks""

How do you know if you qualify for Medicaid?

How much do you have to make be eligible for your baby to be placed in the Medicaid Insurance when born? And, is it easy to get or is there usually a long wait or anything? Thanks :)""

Whose insurance is a new baby supposed to go on?

I am currently 32 weeks pregnant and my husband and I have seperate insurance policies but both through Blue Cross. Does is matter whose insurance she is supposed to go on or are we just supposed to pick one?

How much does your car insurance increase when you have two traffic violations in a year?

I was pulled over again for turning right on a no turn on red . The first time the insurance company said they wouldn't increase the premium. How much would it increase? $200 for the year? more?

Cost to insure 2000 bmw 318?

Im 18 and currently live in Iowa. Im looking into buying a used BMW but dont want to pay an insane amount for insurance. I was just wondering what I would pay for a 2000 BMW 318. Sedan v6. Estimated price? Compared to my 2001 4cyl Honda accord sedan? Thanks

If an unisured driver is at fault in an accident where the other party had full coverage insurance. ?

Does the fully covered drivers insurance sue the non-insured driver?

17 cheap car insurance??

i live in the u.k im searching for car insurance for when i get my car does anyone no any car insurance companys that do cheap car insurance for my age or comparing sites. iv already tried compare the market and confussed.com links would be amazing thanks guys X

How much will car insurance go up for getting 2 points?

Car insurance question! CRAP...?

i got my first speeding ticket today. i was going 41 in a 30 and a conniving cop was at the bottom of this hill i was driving on and pulled me over right as i was slowing down for a stop sign. will this first ticket effect my car insurance rate? i have had my license for 2 years and have had a perfect record so far.

Car Insurance Help! (PLEASE HELP)?

Ok So im 17 soon, This is the car i wont.......... 2000 Reg, Augi tt 1.8L Quattro 2door [225] Coupe It costs about 3000, But the insurance qoutes on the internet are about 13000-22000 a month!!!! Its a 3000 pound car, What shall i do? how can i make it cheaper For this car or is there anything i can do so that if i get in an accident i get no money or my cars not paid for, id do that aslong as i saved money.... Also, If you know any other cheap cars, that are sporty looking the this one and look nice.... Link them, Any good help i will donate 5 Over paypal...... Thank you x""

""Howmuch would a110, 000 $ home insurance cost?""

Howmuch would a110, 000 $ home insurance cost?""

Car rental insurance necessary?

I don't own a car (so I don't have my own car insurance). I am going to a small town in Upstate New York for a couple of days. Do I need to buy the car rental insurance? It is obscenely expensive (usually close to the price of the car itself).

SR-22 Insurance Company risks?

We recently got jacked by Geico regarding SR22 insurance. We are going with a smaller company now and an inexpensive rate. What are the risks? What are things I should look out for? Arent the requirements of the SR22 insurance fairly good coverage due to the type of insurance you need?

How much is insurance on a mustang?

im 17, my parents are clean drivers, i want a v6 mustang, possiblbly 2010 or 11. how much would my insurance be? how much more would it be than my civic? rough estimates welcome lol :)""

Health Insurance for part timers?

Does anyone have any recommendations for affordable health insurance? My fiance and I work part time and places that don't provide us with health insurance. I'll be off my parent's in December and he hasn't been to the dentist in 10 years. We think he has about 8 cavaties and his wisdom teeth are coming in and pushing the rest of his teeth together. I don't know if we can pick up insurance for a year, get his teeth taken care of, then drop it if it's too expensive. But I feel like we need to do something! So if you have any suggestions for good health insurance companies, I'd really appreciate it!""

If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

Getting my baby on insurance?

I'm 20, unmarried, and a full-time nursing student, so I still have insurance through my parents. I live with my boyfriend, my baby's dad, and he has insurance through the hospital where he works. His insurance isn't too expensive for him, but if he were to add the baby onto his policy, the price would nealy double, taking almost half his paycheck every month. I work as much as I can parttime, but with taking fulltime classes, along with clinicals, there's no way I can work fulltime right now. We would be considered low-income, and I know my baby would be eligible for medicaid. I'm only 26 weeks along, but I really want to have everything arranged by the time he gets here. Who would I contact for more details about getting on it? We've never used any kind of supplemental assistance like this, so I really don't even know where to go. It's probably too early right now, but when would I need to start filling out the paperwork?? Thanks for your help!!!""

Arizona residents who are familiar with medical insurance?

If you live in the Maricopa valley area, do you happen to know who the biggest insurance (medical) providers are. Other than ACCHS? Thanx""

Where can I get an insurance quote?

I want to get an insurance quote on my car but every site I go to asks me for a lot of information such as address, name and other personal things. Is this how you have to do it? Or is there a site where you just type in your birthday and info about your car? I just want an approximate quote. I'm only 16 and would be insuring a 1974 Ford Mustang II with a v6. How much do you think that would be? Whats the best site for quotes?""

Can I drive this car without insurance?

So i just bought a new 350z model 06 from someone and i was wondering if i can drive it for couple of days. I live in California, near oakland and san jose. I heard people telling me that when u buy a new/used car u can drive it for 15-30 days without insurance. If someone knows a link to some stuff about this please tell me :D Thanks.""

What is the Cheapest Convertible To INSURE?

What Is the Cheapest Convertible for someone under 21 To Have Insurance For? I Always Wanted A convertible Don't Even Care if Has Sporty Engine, Just want a Car that roof can Fold I Once rode In won and always like having the hood down, but found a 1999 Convertible for 3,500 and the Allstate Car Quote Was $1,950 for 6 months and was shocked it was a 1999 Chrysler Sebring JXi. Is there a Convertible With CHEAPER INSURANCE??""

What's an affordable health insurance?

I'm working part time but my company doesn't provide health insurance. Just looking for some ideas i'm young and healthy but would like a physical now and then.

Hiring an employee / health insurance?

If I hire an employee in California do I have to pay for their health insurance? Is there some threshold like 40hrs/week where I have to start paying or what?

Should I call my insurance company?

Last fall I hit a raccoon really hard and it ruined my front spoiler and my radiator, the damage was under my deductable so I decided to just buy the parts on my own. Since I don't drive the car in the winter I parked the car over the winter I decided to just put the car into storage and buy the parts in the spring, so I bought the parts, installed them and now I found out that my motor is ruined from the car overheating after I hit the raccoon. and its going to cost a ton of money to get everything fixed on this car. Would I be able to claim something like this even though it happened 6 months ago?""

How much would the insurance rate be for a 16 year old female?

I'm a B average student, and I'm looking to get a 2011 Kia Soul as my first car. I've gotten my learners permit and are trying to get my Driver's Liscence. Also does the color have anything to do with it? If so I want my car in green.""

""9 months owning phone with no insurance, but adding insurance now?

could I still get a replacement today after adding my insurance?

How much motorcycle insurance cost in Ontario?

per month

I just got a 1991 chevy camaro it is my first car how expensive wil my insuranse be?

how expensive will my insurance be? how cheap can i get it?

""Im 17 and got a DUI, will this affect my insurance when I turn 18?""

I realize this was the dumbest decision me and my buddy have made in our lives. Trust me I dont want to be near a vehicle for a while. I have lost my license for only 90 days, the cops were very respectable about, and did not criminally charge me, although they were good at scaring the **** out of me. It will also cost me 500$ to get my license back after the 90 days, and my car has been impounded for 30 :(. I live in British Columbia, Canada and the car I was in is my parents and I am registered under them. Again, I feel ******* terrible about it and glad I didnt injure anyone, especially someone not in my vehicle.""

Whats the best auto insurance for me?

i want a insurance company that gives gives checks to me for claims and lets me fix my car not shops. geico? AAA?

I have recently ordered a wind turbine. Any recommendations for insurance?

I ordered a use wind turbine from Germany. I was wondering if anyone had any experience doing this and where is a good place to get insurance. I found these guys through Google thoughts? http://www.northernalliance.co.uk/wind-turbine-insurance/

I wanna buy a car but don't have insurance?

I'm about to turn 16 so I don't even have my permit. But I saw a car today for close to what I have. I'm gonna borrow the extra from my dad but how soon do I need to buy insurance? It's probably jut gonna sit in my driveway til I can drive. I just wanna get it before someone else does because its a good deal. But do I need insurance for a car that no one is driving? I brought it up to my mom and **** I got bitched out. I have to pay my own expenses by the way. I just wanna know if anyone has something different to say. Thanks

""In Connecticut, Return Licence plates first? or end car insurance first?""

ANYONE WHO KNOWS ABOUT CONNECTICUT DMV & POLICIES! HI, i'm trying to take my car out of my insurance, do i return the plates to DMV or end insurance first???? helppppp""

Why not lower heath care insurance than universal health care?

I pay $450 a month for my health insurance, why dont they just cut the cost in half? Then people could afford it. Its alot for me but worth it, i had spinal meningitis at 18 and without id be dead.""

Does planned parent hood accept health insurance?

does Planned parent hood accept health insurance ? if they do does anyone know if they will accept aetna health insurance?

Temp car insurance for under 21?

I'm 19 and want car insurance for 3 months. Either short term or pay as you go

Are there any good temporary car insurance companies in america?

What is the best motorcycle insurance to purchase?

I have a motorcycle, and I'm looking to find insurance. I took the basic riders course that offers insurance discounts. What is the best and most affordable motorcycle insurance to get? P.S. My car insurance company doesn't offer motorcycle insurance""

How much could motorcycle insurance be for a teen in California?

My mom has geico, how much could it possibly cost for insurance? and I'm also a good student, so can't I get the good student discount? and my mom also has a great driving record.""

Does my car insurance cover this?

Somebody broke my windshield with a rock and I don't know if my insurance covers it

Insurance Nissan 350z?

I was wondering how much it is for insurance for a nissan 350z i'm 18 and haven't driven yet! Maybe somebody can help me

If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

How much do you or did you pay for sr-22 insurance?

2005 Mustang V6 Insurance?

I'm 20 years old, have a clean driving record, and qualify for most merit-based discounts (no wrecks, good grades, etc.). I'm currently driving a 1998 Pontiac Grand Prix GT with a 3.8L V6, and paying about $800 per year listed as the primary driver of this car. I cannot possibly stress enough that I know having a newer car that I am still making payments on will increase my insurance. My question is basically if the change in price will be drastically higher than if I got full coverage on my current car. I was thinking I could expect somewhere in the range of $1500 - $2000 per year. Is that about right, or am I way off?""

How can i get cheaper car insurance?

Ok so i'll be 17 soon and i sooooo want to drive. I found a nice car, a peugeot 307 five door 1.6 car for 2700, insurance group 4. it's a great looking car, but when i filled in details on gocompare, tescocompare etc for insurance it came up as at least 15,000 for fully comp. other cars are similar prices. i put a fake birthday in so i was 17 on the system. How can i MASSIVELY reduce the cost? i dont want tips that might save 100 or 200 pounds, but something more reasonable!!! Also im a very sensible person and will be a good safe driver not a boy racer lol!""

Health insurance for wrestling..?

hi im a soon to be freshmen joining the wrestling team, and i dont have health insurance.. coach says i do, or i cant play. can someone please tell me a cheap health insurance coverage? my family is not financialy strong.. so please help me out here""

How much does car insurance go up from a minor accident w/no injuries?

I just got into an accident hitting a car on the freeway, not paying attention, so I hit the car in front of me. He said and his family weren't hurt, but you never know how they will feel the next day. How much will my car insurance go up? I have no tickets on my record & no accidents. I did receive minor damage to my car & a small dent to the other car';s bumper. I wasn't speeding or drinking. My car is a 2004 Honda Civic four door & I'm in my 40s. Oh, I live in CA. Thanks.""

What is the best car insurance company for a graduate student?

Landlord tenants for kids insurance in california?

i rent my house to a daycare family. they purchase daycare insurance. however, lately they also start to do foster kid. i am curious if there is foster kid insurance that they need to purchase? i try to google, but i can't find any related information. any help will be appreciated. thanks""

Question on car insurance?

My grandmother passed away, and on her car insurance, my uncle was the primary driver. Since my grandmother died and my uncle was on the policy as the primary driver, would it be ok to leave her name on the policy? We want to leave her name on it cause its the last thing that she got in her name, kind of a sentimental thing. But would it be ok to leave her name on the policy since my uncle is the primary driver? i have State Farm insurance if you need to know.""

What are the odds of insurance rates increasing after a ticket?

Okay, so late last year, I had a run in with a cop on the freeway who pulled me over for speeding. After having a lengthy talk with him, I managed to talk him into just citing me for some dice I had on my rear-view mirror. It ran me a little over a hundred bucks, and I don't think it really effected my insurance. Now, just the other day, I got caught in a speeding trap on the freeway and got pulled over, and this time I did get a ticket for speeding for doing 81 mph. Now, as far as I know, insurance companies only check a person's MVR once every three years or so, but I've only just begun to research the subject. So my question is, given the information I just provided, what are the odds that my insurance company finds out about my new ticket and raises my rates?""

Around how much would insurance be if im 18 driving a ford 2000 GT Mustang and no driving record?

Im 16 and getting a 2010 Camaro LS how much will insurance cost?

I live in fort worth, tx zip code is 76106""

""How much is your full coverage insurance cost? 19 year old, 2 speeding tickets, live in WA, for Celica GTS?""

I know it varies from place to place, based on driving record, car, etc, etc etc. Im just looking to get average insurance costs. I am 19 years old, I have two speeding tickets (both 30 mph over), student, live in WA, insuring a clean title 2003 Toyota Celica GTS. What are you paying on average for similar discriptions.""

Can anybody advise me on the Insurance Company United America for health insurance?

I need Health insurance and would like advise on this company

Car insurance ? Can my girlfriend be a policy holder on one car and named driver on another?

Can my girlfriend be a policy holder and main driver on her car and a named driver on mine? Will this affect her insurance in anyway?

""How much will i get from insurance if my car is totaled?Also, I am NOT at fault.?""

I just got into a car accident with my Toyota 4-runner ('97) and it looks to be totaled. Some guy just turned onto to the street and stopped, taking up the whole two lanes which left me no choice but to hit him head on. What I want to know is: 1. If my car is not repairable, how will I be covered? 2. Will I get the cost of the car? 3. If not, if anyone knows, please do tell me. Seriously, I really think my car is totaled. The car has been paid off years ago and I really don't want to deal with buying a new car and doing the whole car payment thing over. Thank you.""

What is the Fannie Mae hazard insurance coverage minimum?

Will my speeding ticket raise my insurance?

Yesterday I got a speeding ticket in Cambridge, OH, my home state.Going 9 miles over, 79 in a 70. I have State Farm Insurance and this is my FIRST traffic violation. If i pay the fine right away, not having to go to court, will I get any points on my license or will my insurance rate go up at all?""

""What is the best insurance company that will give me a good rate, and good coverage for a 16 yr old teen?

Good driving record with no incidents and and good grades with excellent attendance. Doesn't matter if it's an online insurance company.

Is it possible for me to get car insurance just for the summer?

I got my drivers insurance early last year, and since I'm now I'm away at college, my parents cancelled my insurance. Now that school's almost over, is it possible for me to re-activate it for approximately 3 months? Thanks! :)""

Is it cheaper to insure a car if its yellow?

""Does anyone know of any good, affordable dental insurance?""

I am self-employed and I need to see a dentist, can anyone help?""

Car insurance cancelled on financed car..?

So I've been looking for a way out of my car loan lately because the payments are really too much for me right now...I know I shouldn't have got into it but I was young and VERY gullible. I just got a letter in the mail from my insurance company asking for me to verify the address I have on file with them ( where I park my car at night) or else they will cancel my coverage. So if they cancel my coverage, will I still be held accountable for the car loan? Or will I have to pay the balance off? Any advice would be greatly appreciated. :-)""

""I want to buy a health insurance policy ,?

i am looking for the insurance company which requires xerox of the original bills at the time of reimbursment.because i have one insurance policy (health) given by my employer but the amount of coverage is less.say for exp i have insurance of 1 lack and my need is 2 lacs so i want to buy health insurance policy with sum insured of 1 lac . but at the time of claim settlement ( reimbursment) both the insurance company will required original bill that will be practically impossible . therefor am looking for the health insurance company which requires xerox of the bill at the time of reimbursment.

Health insurance for diabetics in Ohio?

I guess Ohio is one of 4 states which is not required for it's insurance companies to cover diabetes. I am a type 1 diabetic, and as of now I no longer have insurance. Does anyone know of any insurance companies who do cover diabetics in Ohio....I'm feeling kind of scared about not having insurance right now.""

How long does it take to get insurance for a 50cc scooter?

I am going to buy a scooter soon but as soon as I do I would like to ride it as soon as possible. I can get MOT, TAX within 2 days but I don't know about insurance? How long would it take to get insurance for it and how much would it cost for a 50cc scooter approximately? Thanks for any responses :)""

If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

https://www.linkedin.com/pulse/driver-insurance-quotes-30097-mia-ogden/"

0 notes