Edmunds.com | Inside Line | Auto Observer Your Account | Help | Directory
You are here:
![[F]](http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/townhall/webxicons/site.gif){kind=small}
Forums
Smart Shopper Questions About Auto Insurance & Accidents
4410 messages, Last post on Nov 29, 2009 at 5:58 AM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
issue that is difficult to get around...obviously, an insurance company will want to know if you have been treating for lower back pain, neck pain, or whatever for the last 10 years...they use the info to try and minimize your claim... ...but they really have no right to know your sexual history, any gyno problems you may have had, lung cancer, wart surgeries, or whatever... And, if you have ever made an insurance claim for any health problem, injury-related or not, you claims are on a master file called the MIB (medical information bureau) which they have access to...it is used specifically to determine if you have made any prior claims by coded symptom in the diagnosis (example, 724.2 means lower back pain, 784.0 is headaches, 723.1 is neck pain)... I really do not know what to tell you to do...as an attorney, when I get clients med records, I only send the relevant records to the liability carrier and argue from there, as I will protect my client's interest and privacy the best I can...when you do this on your own, I can understand why you feel your privacy is at risk, but w/o records they may not pay the claim... Difficult dilemma, but I refuse to tell you what YOU should do, because you will interact differently with an insurance company than I will...sadly, it is one of the advantages of working with an attorney, so I can't recommend how much of your life you should expose to the world... |
|
|
Replying to: smoochy (Jul 18, 2006 11:13 am) Thank you for sending your standard Medical Authorization form. As this form encompases issues not related to the accident, please resend a Medical Authorization for issues only related to the accident. I understand you have generic forms, but as I'm not a generic insured - a specific and individually taylored form would be more acceptable. Your understanding and cooperation is appreciated. S. Moochy
|
|
|
Replying to: euphonium (Jul 18, 2006 8:21 pm) Apparently you have difficulty reading. Our standard policy which you hold clearly specifies in section 892 subsections sections 67 though 71 paragraphs 123, 124 and 125 that the Insurer shall have total, complete and on-demand access to all relevant information about you, your life, your income, your friends, children, spouses and so on both public and private. Moreover, your payment of the first premium and your filing a claim constitute your agreement that the absolute need on our part is absolute. You are to return the standard medical form completed in full with all required information by noon tomorrow or your policy WILL be cancelled per the requirements of Section 1024b, subsection 121y paragraph 27 of our contract. Don't mess with the insurance company! Signed, Ernestine, formerly the head TELEPHONE COMPANY OPERATOR!  I couldn't resist! tidester, host
|
|
|
Replying to: tidester (Jul 18, 2006 8:45 pm) Signed, S Moochy 
|
|
|
that comes to mind, but I do not know if they will accept it...you could try what I do, which is go to all of your treating doctors and hospitals for this accident, and request your records from the accident only, and also itemized bills...they already know that group ins will subrogate so showing payments is not a problem... Submit the bills with the records, make your demand, and see what happens... |
|
|
Replying to: miagarfunckle (Feb 14, 2002 5:40 pm) ) if I wanted to replace it. Thank you for any help you can provide!
|
|
|
Replying to: kim1066 (Jul 19, 2006 2:53 pm) Please give the make, model, year, mileage, trim level, engine, and transmission of your car. Describe its condition, and tell us what your insurance co. is offering. Then we may be able to give you an idea of where you stand. Used-car valuation is an art more than a science, and without seeing the car, it's particularly difficult. OTOH, you've come to the place; there's a lot of knowledge on these boards. I suspect that like most people, you have no idea what you can buy a similar car for. Remember, ads never show you what cars are "going for". They only show what they're "not going for", inasmuch they all ain't sold yet... $4k behind asking price is often doable on a $27k vehicle; maybe on a $15k vehicle -- if the dealer was really greedy -- and probably not on a $9k vehicle. So we really need to know what's going on. What you owe on the vehicle has, of course, no bearing at all on the payout. Unless you have GAP coverage. -Mathias
|
|
|
Another item I find with insurance companies is that they "inadvertently" [] look up the wrong model of car...example...you have a 2004 Honda Accord EX-L (leather) and they look up the value for a 2004 Accord LX...I believe the base MSRP difference between these two models is at least $3-5,000, due to the leather, V6, auto, sunroof, etc....so when they say on the phone, "Yeah, your 2004 Accord according to our book is worth $9,500", because they said just enough to identify your car, but they really did not get too specific about your car, and at a moment like that, you think you heard them describe your car...I believ it is more common than you think... Maybe it can't happen to cars like Lexus SC430, since they are probebly all decked to the max and sell for similar MSRP, but cars like Accord, Camry, that are sold at multiple levels of equipment with specific designations (like DX, LX, EX, EX-L) are easy to confuse you... I would check your own sources first (edmunds, kbb, nada) to get a nice average value for YOUR car with YOUR level of equipment, then call them and ask how they arrived at their value and what car did they actually look up??? Also remember that aftermarket equipment rarely adds value to the vehicle, like special wheels, new tires, recent maintenance (valve jobs, brakes, tires, exhaust)...but a new engine or transmission bought in the last six months can usually recover 50% of cost if you can prove cost with paid receipts... Also, as properly stated by steine, the value of your car has NOTHING to do with what you owe on it...if your car is worth $15K but you owe $18K, you will have to dip in your wallet for the extra $3K to pay off the totalled car, unless you have GAP...sad, but true... |
|
|
Our car was broken into a couple of nights ago, while standing in our driveway. Front passenger window was broken. The insurance company refuses to give a straight answer as to whether claiming this will increase our rates. They say they can only tell us after we submit a claim. Is there any way we can make an educated guess before we decide whether to submit a claim? What factors would affect the decision? TIA
|
|
|
Replying to: nynewcar (Jul 23, 2006 9:11 am)
|
|
You are here:
Forums
Smart Shopper Questions About Auto Insurance & Accidents
New? Join Now!
Forum Tools
Search Forums
Browse by Vehicle
Browse by Board
Browse by Topic
Today's Chats
