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11/18/2008
Tuesday morning
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| Last july I was involved in an accident where I was hit from behind.
The person who hit me was uninsured, and completely at fault. Well, I
had to pay the 200$ deductible to have my jeep fixed, and it was fixed
very well. My insurace carrier at the time was Allstate, and I had no
problems till last September. The main reason I had d Allstate so
much was that before last june, I had a job which didnt pay too
much, and I was strapped for cash occasionally, so I was a week or so
late on a payment every once in a while; I was always in contact with
my agents, and they were always willing to help me out. I always got
my premiums paid, just sometimes late. Well, I was a few days late on
my payment in August, and in september, I was notified that I owed a
certian amount of money that seemed to be 2 months of premiums. I
called and paid the amount, and was then informed that my policy was
terminated. That was the beggining of a long drawn out insurance
battle that is still haunting me. |
| How do you find a company that sells level term insurance? Consider
companies that are rated A++ by A.M. Best. Dont purchase a plan from a
company rated below A+. Use the Internet as a source of price
comparison. Enter the words - insurance quotes - at your favorite search
engine to receive instant quotes. You must be completely truthful about
your medical history as you go through the medical exam process for
approval. |
| First of all, there may be a law in your state regarding this, but most
likely the reason is that this is the insurance companys policy.
Insurance companies have to file their rules and rates with the state
department of insurance. When they go back on one of their rules, and
dont have justification to, it looks really bad when the state audits
them. So, when asked, they just say its the law. |
| 5. Another case of cash-paying customers being screwed: Rite Aid
used to program their cash registers to surcharge prescription
drugs $1 if the customer didnt have insurance. This wasnt an
accident; it took work to implement since it involved checking
another database in real time. Ref: Computerworld, Feb 26, 2001. |
| 3. Concerning the comment about reading the contract, that would
be nice if the insurance company would let you. Unfortunately,
all the important parts are confidential. Im talking about what
theyll actually pay for a specific service. That is, suppose
youre unconscious and go to the doctor. You wake up long enough
to ask his fee, say $200, and remember to ask whats not covered,
say ambulance, emergency room, who knows what. Ok, are these
amount within your policys guidelines? Ask your company, if you
can. Remember that many hospitals ban cell phones. The company
wont tell you. You wont find out until you submit the claim. |
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