Retro Active billing

Senario: Employment terminated May 3rd 2008. Medical coverage continued until May 31st 2008. Was told by medical service provider that the soonest i could be seen was June 6th 2008. After telling her the situation she assured me i would still be covered since I made the appointment before the cancellation date. Upon arrival at the medical office, we confirmed the coverage and was told we would only be responsible for co pay and lab work. almost 4 months later I recieve a bill from the medical provider stating I owe for the services and after explaining the situation I was told that their computers would have shown coverage but the bill is retroactive to the termination date. What can I do? How can I remedy this situation? Can they even charge me if i was told i would only have a co pay? Please help

benificiary

What is the benificiary of a life insurance policy responsible for?

divorce

I have been married a little over a year but due to physical, verbal and emotional abuse divorce is where I want to go. My husband has never held down employment for any length of time. I want to know am I obligated for his health insurance since he has none, when we divorce. No children, no joint assets or property

Life insurance and suicide

My father committed apparent suicide on July 16, 2008. His life insurance policy has a 2-year clause that states only premiums will be paid out if the applicant commits suicide within 2 years of the policy date, which was August 1, 2006. Meaning, he committed suicide 2 weeks before his policy would have paid out completely. Is there any legal recourse for this? Is there a scenario where this money could be collected?

Sincerely,

Michael

lost ring on honeymoon

I lost a ring worth around $3000 at a

Sandals resort in St. Lucia. I think I

left in the safe. When I called about

it, they had found it. They got my

address and said they would mail it to

me. Tomorrow it will be 3 weeks and

I haven't received. it. I called about

it this Monday, Tuesday, and then

this morning. Is Sandals responsible

for the ring's return? I do have

renter's insurance with extended

coverages for jewelry.

Car accident w/out insurance, being sued?

I was in an acciedent over a year ago and rearended a truck in front of me. Unfortunately at the time my insurance had lapsed and i ws not covered. In the beginning i attempted to try and set something up with their insur. to make payments but every time i spoke with them the amount increased by 100's. I stopped contact and now out of the blue i recvieved a message at my old place of residence saying to get a lawyer and stating the last 4 digits of my SSN. Should i be worried? I do not own anything. I work, pay rent , my car payment, daycare and take care of my daughter and I. I live paycheck to paycheck and am very scared of what the outcome of this may be. Please any advise would be greatly appreciated. I need to know what to expect that can happen worst to best. Note: the car damage i caused was under 5,000.

Long Term Disability and kidney failure

While on my job I was diagnosed with chronic kidney failure. It has progressed to stage 4. I have long term disability with my company for the last 7 years.

If my job lays me off before I go on dialysis and am unable to work, can I make any claim on my long term disability since most of it progressed while I was on the job?

am i being sued?

I'm being named in--name removed--lawsuit, along with my church's ins. co. for--name removed-- hayride accident that happened. the people suing say their only suing the ins. for bill coverage only but they had to name me, are they lying to me am I being sued?

Didnt have full coverage at time of total loss...what do I do now?

I was recently in a car accident where I rear-ended the vehicle in front of me and that vehicle had hit the car in front of them, but the front vehicle that caused the chain reaction accident by stopping in the middle of the road fled the scene. My insurance company is now telling me that I did not have full coverage at the time of the accident even though the vehicle was under a lienholder and that I am the one that is at fault even though I was driving at a safe distance and a safe speed away from the vehicle and there was nothing I could do to avoid the accident. My question is can I go after my insurance company for the remaining balance of the loan on the vehicle because it was under a lienholder that required full coverage and the insurance company was fully aware of that? If not, can I sue my lienholder for not protecting their own interest because they were notified on multiple occasions that I did not have full coverage on the vehicle, but they never sent me anything saying I needed to add more insurance to protect the remaining balance of the loan? It just does not seem right that neither the insurance company nor the lienholder should have to take blame for this when they both knew they were doing something wrong?

Liability Insurance

I was one of two registered owners of a vehicle that was in an accident in July 2007. My son was the primary driver (the one who had the accident). He had no liability insurance only comp & coll. The insurance company of the individual involved in the accident made an attempt to collect the monies from my son that they paid out for their client. My son didn't pay the money. The insurance company sent the the bill to collections. Collection sent a letter addressed to myself and my son stating that if the money is not paid they would file a judgment and a judgment would be against both of us and we both could have our licensed revoked. My question is, am I liable to reimburse the insurance company since it was my son that had the accident. Can my license be revoked? even though I wasn't the driver. Please advise?

Thanks

Home Owners Insurance

I was hurt when my friends son flipped a 4wheeler type vehicle. Can they file this under their homeowners insurance so I am not coming out of pocket for the medical bills I am incurring? I even missed a week of work due to the accident.

Neighbor's Tree Fell On My House

10 days ago we had a wind storm that caused my neighbor's tree to begin splitting. I contacted her about getting the tree cut before it fell on my house. She contacted her insurance company and also received two estimates of $5000 to cut the tree. He insurance inspector that looked at the tree said it was unsafe and needed to be cut but wouldn't cover it because it hadn't actually fallen. They gave her $500 to help with having the tree cut. She said she couldn't afford it and told me she would wait until the tree fell on my house and then her insurance would cover it. The tree fell on my house 10 days after the storm. Now her insurance is saying they will only pay for the part of the tree on her property and I am responsible for the removal and damage on my property. Is this true? I think she was negligent because she knew the tree was unsafe and did nothing to have the tree cut.

Health insurance fraud

Ten years ago, my boyfriend (we lived together) put me on his family's business insurance policy, United Health Care. On the application, he stated that he was adding his wife (we have never married, but we did live together for four years). The owner of the company (his mom) signed it, as well. Wouldn't that be considered insurance fraud? We are in Texas. I know its been a long time, but he says not to worry, as there is a statute of limitations and that they can no longer come after him because it has been so long. Is that correct? It makes me a bit nervous , even now. If United found out, even now, that they lied back then, what can happen?

Looking for your help!

Car Accident

Hi there,

For the 2nd time in about a year, my car was hit while parked on Christmas Eve morning. The person driving apparently had a seizure, hit my car very hard, kept on going down the street, and hit two more cars. My car and his were the only ones totalled. He was an elderly man, who I am told began taking off his clothes as he had urinated during the seizure, and he has since been admitted to a mental institution I am told.

I finally got a hold of his insurance, and his insurance is trying to say his seizure was an act of God. I've never heard this before. He was on seizure medication, but who knows if he had taken it. I know you're supposed to be seizure free 6 months (at least) before driving. He has a known seizure disorder and I've been told he's mentally unstable from people who also live in my apartment building. I feel helpeless as now it looks like I'm going to have to pay my dedictible for what he did, just like I had to do the last time as last time the person didn't have insurance.

My car was destroyed - the trunk was in the back seat. What are my options? Or do I have any? I talk to his insurance again tomorrow as my mom has been dealing with this situation as well (I'm 25) given I work a lot.

Was Hit and Not Insured

Someone backed out a parking spot while I was waiting in line for gas. A police officer was stopped at the same gas station and saw the whole thing and the man who hit me said to him, '' I know it was all my fault..totally. I just didn't see her.'' The officer did not take a report though. He gave me his name, number and name of his insurance company. I however, am uninsured. Will this affect my getting my car fixed, even though it was not may fault?

Thanks!

Liability issue

My sister's husband's truck was wrapped around a telephone pole. It was not driven by him. There was no insurance on the truck.

Her husband is now in jail and the telephone company is contacting her to get repayment for the pole. She was not near the truck. Her name was not on the loan. She did not even know where her husband or his truck was when it happened. She had not seen or heard from him in 2 months at the time.

Is she liable for the repayment to the telephone company?? What are her options?

Car Accident 1 Year Ago

I got in a car accident one year, backing out of my driveway I hit a car passing me by. I hit the rear left end side, right after the tire. The back right light of my car went out and a dent in the bumper. The other driver said they would go thru insurance as a hit and run, but they asked me to pay for rental car costs which I did. I am now being sued by their insurance company to pay for the damages almost $6k. What are my options, do I need to hire an attorney? Is it too late to go thru my own insurance? I was insured at the time of the incident, can I still file with them although its been a year?

Auto Insurance Liability Pickle

I backed my girlfriend's Mother's vehicle into a parked car in a private parking lot. The vehicle I was driving sustained no damage, but the car I backed into sustained minor damages.

I had the police come and write a non-reportable collision report. I understand, now, that the insurance follows the vehicle and not the driver, but here's the twist; I did not have the explicit consent of the vehicle's owner to drive it.

Is her insurance company still considered ''Primary'' even though I was not authorized by the owner to operate the vehicle?

If not, would my policy cover me while driving a vehicle without the expressed permission of the owner?

Also, are there other potential legal ramifications for my lack of explicitly asking permission to operate her vehicle?

I've expressed interest in paying for the damages to the other vehicle out of pocket, as I do not want to burden my GF's family; but, having knowledge of the auto repair industry, the initial estimates seem a little on the high side. And I am afraid of being taken for another ride.

So it would seem that my only alternative is to turn to the insurance company.

Thank you for your time,

-Pickles

Insurance not paying ''basic'' medical bills

We keep recieving medical bills from our family doctor. The dr. we go to for check ups and BASIC medical care, should be a $20 co-pay, and that's it. We have repeatedly called both the doctors billing dept. and our insurance. The billing dept. says they have trouble with our insurance all the time (they only have a handful of patients who use this particular ins.) & to disregard the bills. The insurance co. says ''They are sorry'' and they will ''take care of it'', but the bills keep coming & it's been almost a YEAR! My concern is that this will end up going to collections and go against my credit score. What should I do to get this matter resolved? What if it DOES go to collections?

Car Accident

A car hit me on Friday while I was on my bike. I am homeless and now I cannot get a job because she injured my foot. How do I go about getting compensation from her insurance company, including compensation for not being able to work anymore?