Will my insurance cover me if I own to remove screw from a previous broken ankle?
Someone said that insurance co's won't. I broke it when I did not have insurance, so I am upset that if I have to bring back the screws out , after I will be in worse medical debt!! Any info will be greatly appreciated! God Bless.Answers: It will depend on two things. It is a pre-existing condition, but if you enjoy been on your current insurance plan long satisfactory so you are no longer subject to the pre-existing limitation clause that won't be a problem. Most plans enjoy a pre-existing limitation clause that later 12 months so if you have be on the plan for 12 months then it wouldn't apply to you. If you haven't be on the plan for 12 months, simply wait 12 months until you enjoy been to own the surgery.
The other issue is whether or not the procedure is medically necessary. If your physician deem it medical necessary to remove the screw then it is irrelevant that they be put in when you didn't hold insurance.
Yes. My plan covered the minor surgery to remove my screws. They be hurting, and it was adjectives to remove at least a couple of them, according to my bone doc.
Removing an entire shoot with a main surgury might be different, however.
In any grip, be sure to get everything pre-authorized at the medical organization.
It depends how long ago you had the screw put in. Most policies own a 12 month wait on pre-existing conditions. If your insurance company hasn't put a rider on your ankle and you haven't sought treatment for the condition surrounded by the last 12 months it would most potential be covered
Female Age 35 had been arrested twice for battery against sister both times dropped looking to get 440 License
Answers: Not a lawyer, so you have to read this statue and decided for yourself,
The way I read it, you have to plead guilty or be found guilty. and even then, they still might not refuse your application. since not insurance related crime.
626.621 Grounds for discretionary refusal, suspension, or revocation of agent's, adjuster's, customer representative's, service representative's, or managing general agent's license or appointment.--The department may, in its discretion, deny an application for, suspend, revoke, or refuse to renew or continue the license or appointment of any applicant, agent, adjuster, customer representative, service representative, or managing general agent, and it may suspend or revoke the eligibility to hold a license or appointment of any such person, if it finds that as to the applicant, licensee, or appointee any one or more of the following applicable grounds exist under circumstances for which such denial, suspension, revocation, or refusal is not mandatory under s. 626.611
626.621 (8) Having been found guilty of or having pleaded guilty or nolo contendere to a felony or a crime punishable by imprisonment of 1 year or more under the law of the United States of America or of any state thereof or under the law of any other country, without regard to whether a judgment of conviction has been entered by the court having jurisdiction of such cases.
Are you responsible for a down payoff on a vehicle if you wreck someone's saloon?
Two weeks ago, I was using my friend's truck when I hit a tree that have fallen within the road. It totalled the truck out. The vehicle was contained by bankruptcy, and the insurance salaried it off, but immediately she has no road to get another vehicle. I rented her a van for two weeks, and enjoy done everything possible to help her out. Now she is proverb that I should give her the money for a down costs on another vehicle or finance one for her. I don't mull over I should have to do that. I do not enjoy alot of money and I am a single mother of two children. We are still friends, but I think things are going to take ugly, and I did not wreck the truck conscious, there be no way to avoid hitting the tree that have fallen contained by the road. She knew that if something happen to the truck she would have problems getting another one because of the collapse. I don't want this to end our friendship, but I be aware of that she is somewhat responsible as well for letting me use the vehicle not kind at the time what would happen.Answers: Insurance salaried the vehicle off? That would be matching deal she would hold gotten if she wrecked it herself. If she was surrounded by bankruptcy prior to this up then she would not own had the money contained by the first place. The insurance did it's job and get her back to where on earth she was and certainly sounds like it help her out so now she does not hold to claim that debt on her bankruptcy.
You are not responsible to buy her a contemporary car regardless of whether you are at breakdown or not.
Good luck to you and I hope your friendship continues.
When we drive, we often drive hurried enough that we can not stop within the distance we can see. If the tree was falling when you approached, you really hold no way to avoid it, If it be already down, you were driving too efficient for the distance you could see,
But regardless of perceived fault, when you borrow, you must return the borrowed item contained by the condition it was within when borrowed. The exception is insurance. We have two problems.
First is deductible, you owe that.
Second is increased cost to insure surrounded by future, you may not be required to rate that, but ethically it is your cost. We should not load onto our friends costs that we should shoulder.
Your strained monetary situation has to be slice of your decision when you borrow. If you can not afford to fix it, don't borrow it. Just surmise how this plays out if instead of an insured accident you have run the engine out of oil and destroyed it. You would be face with thousands of dollars of cost, and not simply a deductible.
First of all, adjectives you would owe her is her deductible. You should be commended for putting her in a rent coup¨¦ like you did.
You mentioned that the coup¨¦ was "contained by bankruptcy". To me, that means that your freind be "upside down" on the loan. In other words, your freind owes more on the car than what it be worth at the time of the accident. All the insurance company owes is the "Actual Cash Value" of the vehicle at the time of the accident, if the motor is "totalled" (costs more to fix than what it is worth). If your frend made a bad contract on the car, remunerated too much, didn't put enough down, have too high of an interest rate, etc...this adjectives contributes to the loan being "upside down".
But you own nothing to do near that. That's not your problem.
I hope everything works out.
You do not owe her a down payment. You do not owe to nouns her another vehicle. You did not owe her a rental vehicle for 2 weeks. You do not owe her any increase in her insurance premiums.
If you want to be nice - you could pay cheque her the amount of her deductible. But I'd have her produce a copy of her policy proclamation or bill as proof first.
The insurance company would settle the total loss for the market advantage of the vehicle. Any money after the note is salaried off would jump to her --probably through the bankruptcy trustee.
The reality that she is in liquidation is not your problem. If she had equity surrounded by the vehicle and that went to the ruin trustee -- that is her problem. She's the one who cause her financial problems and she's the one that had to state bankruptcy.
At this point - after getting proof of what her deductible is - and paying her by check or certified funds (so you hold proof), I'd tell her you are not paying her any more. You may want to reconsider this friendship. Sounds approaching she's not that good of a friend to you.
Even if the vehicle be in collapse, she would have have to insure it. Take it up w/ the insurance carrier. If you are over 25 and a licensed driver, MOST carrier have permissive driver clauses on their policy. It be nice that you rented her a vehicle, but it wasn't really your responsibility. You may chip in for the deductible, but, again, it's not your responsibility.