 I Have Been In A car Accident and the Insurance not want to pay All-State Insurance? |
Bodily injury / Which My Leg was Broken into three parts above my knee and below my hip.
I have been in bed for the atlist more than three months.
And The only thing ALL-STATE I... |
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 HELP!! Second home insurance problem. Primary is in Florida...second is in Idaho--where to go for insurance? |
| I'm told by the company who covers my primary here in Florida that I need someone in Idaho to issue this policy...and I'm told my the person in Idaho that I need to have someone here in F... |
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 Insurance Help? |
| My mom's age is 49 yrs & my Dad's 56 yrs.Pl advise which medical plan is most suitable for them.Preferably Cashless Holspitalisation or a joint plan for both of them where I pay just 1 ... |
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 Homeowners Insurance? |
| How long after the accident do you have to file a claim? I'd appreciate if you knew the answer to State Farm's Homeowners policy, but any will do. Thanks.... |
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 I have had Brain Surgery and I have had an Organ Transplant within a 5 year period. Am I eligible for any? |
Governmental assistance?
Additional Details
I am male (white). Had a Hemorragic Stroke. Live in
the USA.... |
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 If i'm financing my car and it get totaled do they give me the value of it and i have gap to cover the rest,a |
| and i was not fault it was the other driver will they give me money to get another car, did i just told a lost and out of a vehicle.... |
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 My father is terminally ill, can I still purchase life insurance for him? |
| My father has been diagnosed with terminal cancer, he is 76 years old. Can I still purchase life insurance for him to cover for his funeral and any other costs incurred after he has passed?... |
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 How important is health insurance for me/us? |
| i am a little iritated right now. my fiance and i me 23yrs and him 22yrs dont have health insurance. he has major from his family business but that is it. my dad is worried that i am not on any ... |
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 My health insurance company over paid me $66,667.83 over the past 4 years. Why do I have to pay it back? |
| I called the insurance company 4 years ago and told them they were paying me to much. I called three times & spoke with three different people. They all said I was getting the right amount. I ... |
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 Who does the rating in insurance products. the agency or the carrier? |
as far as the process of quoting, binding, issuing, etc
where does that happen? the agency or does the carrier do it and the agency just as a front end?
Additional Details
what ... |
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 When are you allowed to collect insurance on a peice of jewelry? |
| I plan on giving a very expensive diamond bracelet back to the person who gave it to me. I have paid insurance on this piece for about four years now, and I want to claim insurance on it.... |
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 Do Life Insurance policies grow year by year? How do they work? |
| If I wanted to get one for myself, my whole family has one for themselves, and my partner has one for himself, would money automatically go into it from my paycheck? And do they grow year by year as ... |
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 Health insurance question? |
| will my family health insurance premium skyrocked if I have a debilitating illness, if so what is a person to do about this if they dont want to use their savings..... |
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| Is House insurance expensive? |
| My dad owns the home we live in. We live in Los Angeles area, and we don't have insurance at the moment. I'd like to know how hard it is to get, and a ballpark estimate of the cost. I am ... |
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 Does group insurance have to cover a dependent with pre-existing conditions? |
| Here's the background. I live in Seattle, WA. I am engaged and my fiance has a 2 year old daughter who had a heart transplant when she was 5 weeks old. They live in Canada and are canadian ... |
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Wesley M | If someone doesn't list a preexisting condition, how can the Insurance Company find out? |
If someone was to apply for health insurance, but they did not list a minor preexisting condition, could the company find out about it? |
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Margarita D
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The Medical Information Bureau (MIB) is one of the sources that insurance companies use to verify your medical information, hazardous avocations or hobbies, even adverse information contained in your motor vehicle record. In addition by signing your application you authorize the insurance company to have access to your individual medical records and any other information they can obtain through underwriting.
Please note that if you fail to include pertinent underwriting information and the insurance company subsequently discovers that you omitted it they can decline to cover the claim/s, void the policy and/or even refer the matter for criminal prosecution as insurance fraud. Of course most of the time the harsher penalties are used in major cases but (imho) it is probably best not to take any chances and just be open & honest about everything. If you provide all the necessary underwriting information from the beginning and the condition is minor, the insurance company has a few options they can choose to handle the situation, i.e. they can opt to cover you anyway, they can issue the policy with a limitation that they will not cover X condition for a specific amount of time or not at all or they can choose not to offer you a policy. The upshot of handling the matter in this way is that you will not have to be worrying about having a coverage issue or if you will be discovered.
You can periodically check your record at MIB so that you can verify that the information is accurate. The website to find out more about MIB and to obtain the form to order a copy of your individual file is: http://www.mib.com/html/consumer_guide.html.
I hope this helps. Good Luck! |
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sarah314
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When you sign up for a health insurance policy, you give your insurance company authorization to request and review your medical records.
If they ever had any reason to be suspicious of you, they could request copies of your charts from medical providers.
And, as someone else mentioned, they could also find information through the Medical Information Bureau, if it was documented there. |
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stevepitt2
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If it's minor it probably won't matter. If you have ever seen a doctor about the condition then you might have a problem.... Keep in mind, if the insurance company pays for something you said was not a preexisting condition, you could be committing insurance fraud. |
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SARAH T
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I'm not an expert on this, but I would suggest you take a tour here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm ,there
are expert's tips over there |
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Good♥Gyrl
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It's called MIB record - or Medical Information Bureau. If you've had any serious illness, it's recorded in a history. Sort of like a credit history for your health.
Besides, the insurance company reserves the right to investigate any claims. Investigators are well-trained. I've seen them investigate someone dying from an anuerism, believe it or not. Seems pretty cut and dry, but they will find out, especially through autopsy if they have to, whether or not you could have been lying on your app. If so, your bene will be screwed, or the death benefit adjusted to subtract what you should have paid under the correct rating, assuming you would have been approved.
In either case, it doesn't pay to lie. |
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mbrcatz
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Yes. There is a medical billing clearinghouse called the Medical Information Bureau, and they can find out about it through them.
Or, if they look at any of your prior medical records from your doctor. |
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deeptijindal19
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they do a Proper verification i.e., they speak to ur neighbours, friends,Relatives and your Family Doctor too.
They can Find it Out |
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