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re: How many of you have truly been screwed over by an insurance company?
Posted on 12/10/24 at 6:41 pm to L5ut1g3r
Posted on 12/10/24 at 6:41 pm to L5ut1g3r
quote:
How many of you have truly been screwed over by an insurance company?
I've never experienced it, and neither has most people. People bitch and moan about insurance companies and would bitch and moan ten times more if the Government had complete control over it.
0
Posted on 12/10/24 at 6:42 pm to L5ut1g3r
$10k worth of taillights stolen out of my 250 that had me in a rental for six weeks. USAA paid for everything with about six minutes worth of conversation.
I got hit by a USAA covered Tesla driver, who was rated 100% at fault. Spent two months in a rental for $20k worth of damage (and repeated issues to fix diesel codes,) they paid with no complaint.
I did have a hospital try to charge me $800 for a half teaspoon of ibuprofen for daughter, which I fought successfully after insurance tapped out, but that wasn’t insurances fault.
I got hit by a USAA covered Tesla driver, who was rated 100% at fault. Spent two months in a rental for $20k worth of damage (and repeated issues to fix diesel codes,) they paid with no complaint.
I did have a hospital try to charge me $800 for a half teaspoon of ibuprofen for daughter, which I fought successfully after insurance tapped out, but that wasn’t insurances fault.
Posted on 12/10/24 at 6:42 pm to L5ut1g3r
I’ve known people who file homeowner claims for hail damage on their roof. Insurance denies saying there is no hail damage.
Another storm passes, new hail damage. Another claim filed, and insurance denies saying the hail damage was pre-existing lol
Another storm passes, new hail damage. Another claim filed, and insurance denies saying the hail damage was pre-existing lol
Posted on 12/10/24 at 6:43 pm to L5ut1g3r
Biggest was when they decided a scan and one of my chemo treatments weren’t necessary and I got a $25k bill.
Not sure what ultimately happened. But I didn’t pay it, after lots of fighting. I think clinic just ate it.
Not sure what ultimately happened. But I didn’t pay it, after lots of fighting. I think clinic just ate it.
Posted on 12/10/24 at 6:44 pm to L5ut1g3r
My spouse was in a not at fault car accident in September. Four days in the hospital, two weeks in a rehab clinic, two months and counting of physical therapy. So we're dealing with both health and auto insurance. The major complaint I have so far is they moved her out of the rehab facility too soon. We haven't started haggling over the settlement yet. We do have a lawyer ( not the billboard kind). He's from one of the major firms in Louisiana and seems to be on top of things.
Posted on 12/10/24 at 6:46 pm to L5ut1g3r
Many, many times. frick insurance companies
Posted on 12/10/24 at 6:50 pm to LemmyLives
quote:
$10k worth of taillights stolen out of my 250 that had me in a rental for six weeks. USAA paid for everything with about six minutes worth of conversation.
I got hit by a USAA covered Tesla driver, who was rated 100% at fault. Spent two months in a rental for $20k worth of damage (and repeated issues to fix diesel codes,) they paid with no complaint.
I did have a hospital try to charge me $800 for a half teaspoon of ibuprofen for daughter, which I fought successfully after insurance tapped out, but that wasn’t insurances fault.
I was rear ended by a USAA driver, went to the ED, lost a little work time and USAA was on top of everything toots sweet.
Posted on 12/10/24 at 6:52 pm to L5ut1g3r
If I am being completely honest here...I've screwed them over more than they have screwed me.
Most recently I had a paid off car with liability get completely destroyed by baseball size hail. It was worth about 12k.
Took out full coverage...waited a few months and drove into a massive hail storm in another county.
Be the one doing the fricking instead of the other way around.
Most recently I had a paid off car with liability get completely destroyed by baseball size hail. It was worth about 12k.
Took out full coverage...waited a few months and drove into a massive hail storm in another county.
Be the one doing the fricking instead of the other way around.
Posted on 12/10/24 at 6:55 pm to Tr33fiddy
quote:
Most recently I had a paid off car with liability get completely destroyed by baseball size hail. It was worth about 12k.
Took out full coverage...waited a few months and drove into a massive hail storm in another county.
It’s rare you see an actual confession to felony insurance fraud but here we are.
Posted on 12/10/24 at 6:56 pm to L5ut1g3r
quote:
My experience with insurance companies is that they for the most part want to do right by their insured’s.
Posted on 12/10/24 at 6:56 pm to L5ut1g3r
This thread ain't going the way OP hoped for.
Posted on 12/10/24 at 6:57 pm to boosiebadazz
Tigerdroppings is the only digital footprint I got lol
If it helps/inspires just one person to screw over an insurance company it's worth the risk
If it helps/inspires just one person to screw over an insurance company it's worth the risk
This post was edited on 12/10/24 at 7:00 pm
Posted on 12/10/24 at 7:03 pm to rocksteady
quote:
house flooding multiple times.
The only reason your insurance co. paid your claim was due to the federal government. The government underwrites flood insurance, not the insurance companies. They refuse to cover flood, they only get paid to service the claim.
Posted on 12/10/24 at 7:04 pm to Hopeful Doc
quote:
And then when any of them gets denied with the documentation I’ve supplied, I get on the line with another doctor and argue the case.
And this doesn't even get into the fact that's it's a failed internal medicine guy arguing about orthopedic procedures. It's often not even their specialty, but they're supposed to know better than the doc who actually does it for a living
Posted on 12/10/24 at 7:07 pm to wadewilson
quote:
This thread ain't going the way OP hoped for.
I don't know what he was hoping for exactly but I do know that insurance of any kind is very much a you get what you pay for proposition.
My home and auto is insured through state farm and and I have UHC PPO as my health carrier. I know what my policies cover and not cover and if I want additional coverage, I can pay for it.
And on that note, one of the biggest problems your garden variety consumer has with insurance is that they don't fully understand what's covered in their own policy. So when it's time to make a claim, they're pissed off because they don't have the coverage they thought they had.
I'm satisfied with all facets of my insurance coverage because I know what I'm paying for. And no, we're not all "entitled" to the same level of health care. With Medicaid or "self pay", you get what you pay for. With a UHC Select PPO, you get what you pay for.
Posted on 12/10/24 at 7:08 pm to L5ut1g3r
I got slammed into by a senior in high school racing to school because he was late. I was on my way to work and he ran a red light. I was in my truck and he was in a Honda Civic. The impact popped three of my tires.
I legit thought I was going to get a hefty settlement. They ended up paying off my truck, gave me a rental for a few weeks and paid for my medical. Everything was paid directly. I didn't come out of pocket for anything but also didn't get anything extra.
On the other hand, one of out employees hit a car from behind in their company car. No damage whatsoever to their car but our company car and a nice dent in the front. Our insurance paid that woman $230K
I legit thought I was going to get a hefty settlement. They ended up paying off my truck, gave me a rental for a few weeks and paid for my medical. Everything was paid directly. I didn't come out of pocket for anything but also didn't get anything extra.
On the other hand, one of out employees hit a car from behind in their company car. No damage whatsoever to their car but our company car and a nice dent in the front. Our insurance paid that woman $230K
This post was edited on 12/10/24 at 7:09 pm
Posted on 12/10/24 at 7:11 pm to L5ut1g3r
A lady backed into my car. 100% her fault. She had Stare Farm. State Farm called me to get my info. Rep was an absolute moron. Some time goes by and I wonder why I haven’t heard anything so I call SF.
SF: “We didn’t have your contact info so we assigned 50% blame to you.”
Me: “That’s funny because you’ve had no problem processing my payments for the last 20 years”
SF: “We didn’t have your contact info so we assigned 50% blame to you.”
Me: “That’s funny because you’ve had no problem processing my payments for the last 20 years”
Posted on 12/10/24 at 7:12 pm to boosiebadazz
’s rare you see an actual confession to felony insurance fraud but here we are.
I would imagine most of the stories here aren’t even true.
I would imagine most of the stories here aren’t even true.
Posted on 12/10/24 at 7:12 pm to L5ut1g3r
If you bought any sort of warranty from a big box store, you bought insurance.
I'm sure lots have been screwed by those.
I'm sure lots have been screwed by those.
Posted on 12/10/24 at 7:13 pm to jorconalx
quote:
’s rare you see an actual confession to felony insurance fraud but here we are.
I would imagine most of the stories here aren’t even true.
Have an upvote.
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