Yeah, you really need to read your policy or speak with your agent and have them explain it to you. Next time change to no excess no reimbursement medical payments so you don't need to submit it to your PHC. Add collision regardless of the age of your car and get collision deductible waiver. As for inspecting your vehicle, it's because we attempt to get as much information for our file as possible. Duh.
There is no rip off here at all. If you don't have collision coverage, you can't be paid for your vehicle's damage. Pretty simple. Your med pay covers any reasonable medical expenses that is not covered by your primary health insurance provider. You probably have an uninsured motorist bodily injury claim for pain and suffering.
If you have an insurance policy you don't understand, please don't blame the company. Nobody has ripped you off.
First of all, you're and idiot. If you read your policy you will notice that the med pay is excess to your Primary health carrier. In order for an insurance carrier to pay out this coverage you first need to submit the bill to your PHC and obtain an EOB or denial. $400-$600 co pays WTF.....also, its your fault you didn't obtain the hit and run drivers license plate number. ins. companys dont just pay out claims...you could have made up the hit and run. also you didn't file a police report.
Presentation could be better but message is very important. I am shocked by the response of the insurance company. We consumers need to band together to stop insurance rip off.
Linda,
Are you retarded?
Jimnva 2 years ago
Yeah, you really need to read your policy or speak with your agent and have them explain it to you. Next time change to no excess no reimbursement medical payments so you don't need to submit it to your PHC. Add collision regardless of the age of your car and get collision deductible waiver. As for inspecting your vehicle, it's because we attempt to get as much information for our file as possible. Duh.
pettatuni 2 years ago
There is no rip off here at all. If you don't have collision coverage, you can't be paid for your vehicle's damage. Pretty simple. Your med pay covers any reasonable medical expenses that is not covered by your primary health insurance provider. You probably have an uninsured motorist bodily injury claim for pain and suffering.
If you have an insurance policy you don't understand, please don't blame the company. Nobody has ripped you off.
Buddhabird 3 years ago
First of all, you're and idiot. If you read your policy you will notice that the med pay is excess to your Primary health carrier. In order for an insurance carrier to pay out this coverage you first need to submit the bill to your PHC and obtain an EOB or denial. $400-$600 co pays WTF.....also, its your fault you didn't obtain the hit and run drivers license plate number. ins. companys dont just pay out claims...you could have made up the hit and run. also you didn't file a police report.
pgalit 3 years ago
Presentation could be better but message is very important. I am shocked by the response of the insurance company. We consumers need to band together to stop insurance rip off.
Serenitylh 3 years ago