Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#16
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#17
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We don't have any heirs- when we pass everything goes to charity-not interested in building our estate--just protecting it
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#18
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GEICO is a very low rated insurance company. Thanks to owner, Warren Buffet. Your paying for all the advertising. Screw you if they have to payout, just a scam. Good luck if you place a claim.
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#19
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Just in case you change your my last name is Castellano.
Last edited by Nucky; 09-29-2017 at 11:18 AM. |
#20
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We're leaving everything to Homes For Heroes, Fischer House, Salvation Army , Seeing eye Dogs, and Service Dog Training
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#21
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How was your steak ? Sent from my iPhone using Tapatalk |
#22
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I am not inferring that your health insurance policy will not pay for coverage from an automobile injury, however, in the event of an auto accident injury, your health insurance is never primary insurance, but secondary insurance.
Read your own health insurance policy. Especially the clauses that are titled Coordination of Benefits (other insurance) and the Subrogation and Right of Reimbursement. Coordination of Benefits is a limitation of coverage and/or benefits to be provided. It is designed to avoid duplication of payment for Covered Services and/or supplies. An excerpt from my policy: The following rules shall be used to establish the order in which benefits under the respective plans will be determined: 1. This plan always pays secondary to any medical payment, personal injury protection (PIP) coverage or no-fault coverage under any automobile policy available to you. Subrogation and Right of Reimbursement states that if benefits are paid under the Contract for expenses incurred due to Third Party Injuries, then the insurer retains the right to repayment of the full cost of all benefits provided under the Contract on your behalf that are associated with the Third Party Injuries. An excerpt from my policy: We may recover the full cost of all benefits paid by us under this Contract without regard to any claim of fault on your part, whether by comparative negligence or otherwise. In the event you or your representative fails to cooperate with us, you shall be responsible for all benefits provided by us under this Contract in addition to costs and attorney’s fees incurred by us in obtaining repayment. The bottom line is that your health insurance carrier does not want to be the first in line to pay for your auto accident injuries. You will have to do a lot of "cooperating" with them to help them get reimbursed by any at-fault third party. If you don't, they will stop paying and come back to you for 100% of the benefits they have paid under the health insurance plus their legal fees. Having UM/UIM coverage under your automobile insurance transfers your rights and responsibility to go after the at-fault third party to your auto insurance carrier. UM/UIM covers all passengers in the car, including the driver. It still remains a personal choice. My choice is to carry high UM/UIM limits under my auto policy. Make yours an informed choice. |
#23
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We switched to Lobster. No Mo Steak, we never get to eat it.
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#24
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Very close to a violation. |
#25
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Regarding health insurance, I don't think an insurance company is going to spend a lot of time trying to collect money from an uninsured motorist. You can't get blood from a turnip. |
#26
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I get the idea that Medicare will deny paying for immediate medical treatment after an accident until the auto or golf car insurance has paid. So how do you get authorization from the auto/golf cart insurance? I've wondered why the facility is so interested in where the injury occurred., was it at Wal-Mart, in an accident, or at home? If at home, or in some 3rd World Country, no problem.
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#27
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So anyone have insurance background? I do but it's not in Florida. So is Florida an at fault state or a no fault state. Check your health insurance policy, some do not cover auto accidents at all.
At this time we have auto insurance from a no fault state, our current health insurance does not pay for any auto related accidents. When speaking to a bonded and licensed insurance agent it is they're bound duty to explain your policy in full. They have knowledge of health insurance companies, who pays for auto and who doesn't. When starting a new policy the top 5 questions they ask is who is your health insurance carrier. As soon as it it plugged into the computer they know what coverage you have.
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Do not worry about things you can not change |
#28
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A related question. Let's say for 6 months you hardly drive your car and the other six months you drive a lot, up north, everywhere. How often can you reduce your coverages and then raise them again in one year?
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#29
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Depends on if you have a 6 month policy, or one year policy. You can reduce anything you want, if you store a car not driven, it's usually 30 days before reinstating. Unless you stop driving altogether I would not change my policy. 5 miles or 500 miles an accident can happen anywhere.
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Do not worry about things you can not change |
#30
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I would call them and see if they have a problem. These policies usually specify levels of underlying insurance.
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Closed Thread |
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