Search found 14 matches

by acalia
Fri Jan 22, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance trying to deny injury claim?
Replies: 18
Views: 1906

Re: Car insurance trying to deny injury claim?

I made a mistake in removing the hitch, naively thinking the inspection would just be for damages for vehicle repair purposes, and not for determining likelihood of personal injury (which it seems it now is). I pointed out the hitch to the agent who did the inspection, but that agent conveniently fa...
by acalia
Fri Jan 22, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance trying to deny injury claim?
Replies: 18
Views: 1906

Re: Car insurance trying to deny injury claim?

I missed a few half-days of work but it's not worth much since I'm near minimum wage. The focus on the hitch comes from the fact that the insurance adjuster verbally commented that from the light bumper damage in the initial estimate, they couldn't see how there were any injuries at all, and she did...
by acalia
Thu Jan 21, 2016 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance trying to deny injury claim?
Replies: 18
Views: 1906

Re: car insurance trying to deny injury claim?

Does anyone have experience working with these insurance adjusters directly? Is a dismissive attitude just that, or will it have real consequences on whether the claim may be denied? Is hiring a lawyer now an overreaction to a single adjuster's informal opinion, or are the adjuster's comments a sign...
by acalia
Thu Jan 21, 2016 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance trying to deny injury claim?
Replies: 18
Views: 1906

Re: car insurance trying to deny injury claim?

I saw a doctor and got a neck x-ray which did not reveal any broken bones (but isn't able to assess soft tissue damage). The pain and soreness was the worst for the first week or so, but seems to be healing on its own without physical therapy (doctor suggested was optional). My original plan was to ...
by acalia
Thu Jan 21, 2016 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance trying to deny injury claim?
Replies: 18
Views: 1906

Car insurance trying to deny injury claim?

I was stopped in traffic when rear ended by another driver. The other car had substantial front damage, but my car appears to only have sustained cosmetic bumper damage, as the most of the impact appears to have gone to my car's tow hitch. I should have but didn't take any photos of the damage, thou...
by acalia
Fri Jan 15, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: improper furnace install from previous homeowner, what now?
Replies: 19
Views: 2925

Re: improper furnace install from previous homeowner, what now?

I think I'll have it checked. But if it isn't safe, and needs to be fixed, is there anything I can do? If it's safe but not to code, is there a reason to get it fixed anyways, or should I wait until the furnace needs replacement? Third possibility -- if it is safe and to code, should I get a permit ...
by acalia
Fri Jan 15, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: improper furnace install from previous homeowner, what now?
Replies: 19
Views: 2925

Re: improper furnace install from previous homeowner, what now?

The furnace has been working just fine. However, it sits in a closet with a vented door, through which CO may leak from (which appears to violate current building code). None of the smoke detector/CO alarms have ever gone off though.
by acalia
Fri Jan 15, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: improper furnace install from previous homeowner, what now?
Replies: 19
Views: 2925

improper furnace install from previous homeowner, what now?

The furnace installed by the previous homeowner may not be to code. Records show a permit was started for the work, but the final inspection was never done. The home inspection report included the furnace but did not note that the install may not be to code. Is the previous homeowner, the original H...
by acalia
Thu Jan 07, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: safe car suggestions (with autobrake?)
Replies: 17
Views: 2172

Re: safe car suggestions (with autobrake?)

The Volvo XC60 "City Safety" can stop completely at speeds under 10 mph, and is a standard feature on all XC60 (2010+), but leasing a new model is about $5,400 per year. There are lots of much cheaper used models but the reliability isn't the best so the total cost of ownership could be hi...
by acalia
Thu Jan 07, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Rear ended -- how to handle medical/auto insurance?
Replies: 14
Views: 3641

Re: Rear ended -- how to handle medical/auto insurance?

Update: Fortunately, the other driver's insurance has accepted responsibility, and what injuries were sustained seem to be on track to healing.
by acalia
Tue Jan 05, 2016 12:20 am
Forum: Personal Consumer Issues
Topic: safe car suggestions (with autobrake?)
Replies: 17
Views: 2172

Re: safe car suggestions (with autobrake?)

For pre-collision braking, it seems like "Honda Sensing" and Subaru's "Eyesight" are both fairly good, where Eyesight can stop a car completely before it hits something, but Honda Sensing can steer the car automatically to stay in a lane: https://blog.carsforsale.com/subaru-eyesi...
by acalia
Sun Jan 03, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rear ended -- how to handle medical/auto insurance?
Replies: 14
Views: 3641

Re: Rear ended -- how to handle medical/auto insurance?

OP here, thanks for all of the input. I was told by my auto insurance that the full/limited tort applies only in Pennsylvania (I'm in California), and that I do not have any medical coverage on my auto policy anyways. I should have gotten a police report but there were no apparent injuries immediate...
by acalia
Sun Jan 03, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: safe car suggestions (with autobrake?)
Replies: 17
Views: 2172

safe car suggestions (with autobrake?)

I'm looking for a safer car SUV/minivan ride-height, effective headlights (HID or similar) and memory driver seat position would be preferred for better visibility and consistent mirror/seat positioning since two drivers will share the car. No snow so AWD not necessary. It seems like autobrake is th...
by acalia
Sun Jan 03, 2016 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Rear ended -- how to handle medical/auto insurance?
Replies: 14
Views: 3641

Rear ended -- how to handle medical/auto insurance?

I have auto collision (but auto medical) insurance, and was stopped when rear ended by another driver (different insurance). This is in California. Both vehicles had damage, and we exchanged information, but did not get a police report. I and other passengers are planning to seek medical attention f...