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Kristin Said:

Can I file a lawsuit against an irresponsible insurance company?

We Answered:

Sue the truck driver, the insurance company AND the company that the driver works for. Let them and the judge decide who is responsible to pay you.
You can only sue for your actual damages. You can't get "extra" money.
Your damages would be the cost of repairs
The cost of the rental car
The cost of all certified copies of things like the ticket that was given to the truck driver---I assume you at least called the cops!
The cost of the filing fees to take them to court and the fees to have them served by sheriff deputy.
If you were injured, you can file for all doctor bills and possible for pain and suffering if the injuries were bad enough.
You can not file for your time off of work.

Becky Said:

Health Insurance Problem - Filing complaint at CA Dept of Insurance would be effective way?

We Answered:

The first question you need to answer is whose birthday falls first in the year? Yours or your husband's? (It does not matter who is older, just which month you both were born in ) Whichever one of you has the first birthday in the year, that is the primary plan. Once you figure out which plan is primary, make sure they know that they are primary and the other plan knows it is secondary.

The second thing you need to do is to notify the providers that you are appealing the denials, and that you will keep them informed as to the progress. As long as you keep them informed as to what's going on in the appeal, as long as the providers are humans, it should keep you from being sent to collection.

Next: Call the primary plan and ask about an appeal. Ask them for the exact process - meaning what documentation you need, where it gets sent, and to whom it gets sent. Ask for a phone number you can call to follow up.

Send the appeal. Keep copies of EVERYTHING you send and mail the paperwork with a return receipt requested. This way, you know when it has been received and who signed for it. It will eliminate the "We never got your paperwork." problem. Once you know your submission was received, wait ten business days and start calling to check the progress. Call them every other day if you have to. DO NOT get frustated or give up. Insurance companies COUNT on that.

Once you have exhausted this option, then you file a complaint with the state. Otherwise, most states will not take action, they just sit on it.

In NY, it takes about 6 weeks for an investigation, but CA might be longer.

Laura Said:

Property & Casualty-Insurance License Exam?????

We Answered:

Use a combination of the book, and the practice exams. If you can pass the practice exam at 90%, no cheating, you'll pass the licensing test.

When you get an answer wrong, look up ALL the options, so you know not only why the right answer is right, but why the wrong answer is wrong.

Read the questions CAREFULLY. Sometimes, you have to eliminate the most wrong answers in order to get the most right answer. Frequently, several answers are sort of right, and you just have to pick the MOST right one.

Get a good night sleep for TWO nights, before the exam.

Jessie Said:

State Disability Insurance in California?

We Answered:

I believe you can collect since you paid in to it. You would also be eligible to "family leave" once the baby is born. Give them a call to clarify. My daughter had this happen to her & still received the benefits. Unemployement, Maternity & Family leave.