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If your spouse who is not the primary insurance carrier makes a change over the phone is there a waiting period before it goes into effect?
Wiki User
∙ 8y ago
Not usually. The majority of insurance companies accept the change valid at the time of the request. Even if it changes the premium amount.
Wiki User
∙ 8y ago
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What was AT and T before 1984?
AT and T was primary the carrier of voice, data, and text communications before 1984
While you are waiting on the lump settlement is the insurance carrier for my workmens comp still required to pay out weekly payments as before?
yes they are. basically, if you are waiting for a lump sum settlement, then you have already been delared permanent and stationary(injury will get no better, or no worse). once the insurance adjuster receives all of your paperwork from the doctor who released you, your weekly payments will most likely be alot smaller than before. this is in preparation for your lump settlement. depending on the carrier, you may be able to receive small advances on the end amount if needed though.
Does medical provider have to have a copy of subrogation letter before filing on insurance?
No, if they have information of a third or first party carrier who is liable for accident related costs, they can make a claim directly to that carrier.
Does the provider have to file primary insurance before filing secondary insurance?
Yes, and you want them to because if they are paid out of order then it will be a mess to correct.
If you buy a utility trailer from a dealer do you need to insure it before you take it off of the lot?
In my state the answer is no, as the trailer is covered by your auto insurance. Contact your insurance carrier to find out about your state.
Do you have to pay the medicare deductible if they are paying secondary to a primary insurance carrier?
This is directly from the Medicare and You 2009 Book: When you have other insurance, there are rules that decide whether Medicare or your other insurance pays first. The insurance that pays first is called the "primary payer" and pays up to the limits of its coverage. The one that pays second, called the "secondary payer," only pays if it covers any of the costs left uncovered by the primary coverage. If you have other insurance, tell your doctor, hospital, and pharmacy so your bills get paid correctly. If you have questions about who pays first, or you need to update your other insurance information, call Medicare's Coordination of Benefits Contractor at 1-800-999-1118. TTY users should call 1-800-318-8782. You can view the details here: http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf
At what time does an insurance policy go into effect?
In most cases an insurance policy for a car goes into effect the moment the first payment is made. In the case of medical insurance there might be a waiting period based on the insurance company. Life insurance usually goes into effect after the first payment is made, but there might also be a waiting period before benefits will be issued.
Will your health insurance pay first if you are in a car accident?
No. You auto insurance has to pay first before the health insurance will begin to pay. Usually they want a letter from your auto insurance carrier to prove that all medical payments coverage on your auto insurance has been exhausted.
If insured by your employer and your spouse's employer which is the primary insurance?
Your insurance through your employer is your primary insurance, and your spouse's primary insurance is through his/her employer. If both husband and wife are insured on both insurance policies, then you have primary and secondary coverage. But you will still have to pay any deductibles and co-pays before either policy will pay. The deductible is the amount you first have to pay (usually at the first of the year) before the insurance will pay anything. The co-pay is your percentage of what the insurance doesn't pay, which for many health insurance companies is 80% for them and 20% for you. There is sometimes a co-insurance that you have to pay also. Ex: Insurance companies have a set amount that they pay for any office visit, procedure, etc. If the bill is over what the insurance pays, then you are responsible for the balance.
What is the definition of primary coverage in regard to medical insurance?
Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.
What should a homeowner do if their homeowners insurance was cancelled because of a dog-bite claim for 25k?
Shop for a new insurance carrier. If still no luck, then it becomes what is referred to as "Assigned Risk". Generally, it takes 3 or more refusals to issue before that is considered. Assigned risk means that the state in which the property is located, assigned your policy to a insurance carrier. Very expensive, as you can imagine.
How will my son's dui's affect insurance?
If the carrier runs his motor vehicle report before the renewal (some do not) then his rates should increase. If shopping for new insurance they will rate him for that infraction and will usually return a higher quote.
