I have had insurance with Liberty Mutual...sm

• Anyone get their car insurance through Liberty Mutual? - CAMT
  • Yep, we switched to Liberty Mutual last year. Best prices over everyone else. - Idaho MT
  • I have had insurance with Liberty Mutual...sm - Dakota
    • Thank you! - CAMT

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Get this, I haven't used my Providian/Washington Mutual credit card in quite awhile.  I got the new credit card in the mail to take over for the old one, and I thought I would give the company a call to find out what the interest rate was on it.  So after reaching India of course, I asked for someone in the United States, was put on hold for 4 1/2 minutes and then disconnected.  So I call back, go through the 15 prompts and get someone from the Phillipines.  The interest rate on my card is 31.8%  Yep you are reading that correctly - 31.8%. 

I am passing this information along because I am livid at the fact that the interest is 31.8% (which, by the way, neither person on the other end of the phone said "let's see what we can do to lower this.), and because TWO countries have this credit card's business and people in the US are working 2-3 jobs to make ends meet.  I know this has been an ongoing discussion about offshoring, but I was more angry at the fact that it is 31.8% and that no one offered to lower the rate, even after inquiring about it. 

My son had a DUI and the ins was going to cancel us but they said if I only insured myself and my son showed proof of other ins that they'd keep me.  Could this work for you??  Just a thought...

Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07.  Please go to the web site http://www.wpbf.com/index.html.  In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated?  Please go on line and vote NO.  Send this email to everyone you know.  We want hundreds of votes.

Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt.  You can find their email addresses on MyFlorida.com.  It is very important that they add this to their agenda on 6/12/07 for their special session.

Thanks for your help. 

It sounds like you're a great friend and neighbor!

Our neighbor never gave us their insurance information.  Our situation is a different because in addition to physical scars, our daughter has emotional scars from this dog bite that will take a long time to recover from. 

I did some research on the dog bite law.  Sometimes insurance companies will cancel the homeowners policy if there is a dog bite on the property.  If they don't cancel it, the insurance premium will increase by a lot.  I think this is why they didn't try to go through the insurance company and thought we would accept this small check. 

We believed them when they said they would take care of everything.  I guess we're just too nice!

Does insurance cover any of the cost for implaints or dentures?

You won't believe the number of providers who try to balance-bill their contracted HMO patients.

i have the option to have cobra insurance but have not done so.  As luck would have it now i am sick.  If i call tomorrow and pay for the cobra insurance will they cover me if I go to the doctor the next day? is there a waiting period or pre-existing condition clause? TIA

We changed insurance plans back and forth between my husband and I during those years and 2 of the 3 did pay for it.  We paid for the second child's circ and it was only $110.  We really didn't have the money for it at the time, but since we had circ'ed the first one, we thought we should be consistent.

We also had both types of circs -- the first one had the Plastibell, which I did like better because I don't think it's painful at all.  The second 2 had the surgical circ, but it healed much nicer and quicker. 

I think you are right that my kids probably wouldn't have had much of an issue with the teasing if we hadn't circ'ed them since it's become more common not to do the circs.  But after my husband's ordeal, he wanted it done and I didn't really care one way or another.  I think hygenically it will be easier for them when they're crusty old men. EWWW!

Daughter had this on her children while she went to school, now they are asking her to furnish 2 quotes from other insurance companies to see if she qualifies to continuing with MC+ (but paying for it) or not. 

The schools here have big signs up in the hall way encouraging people to apply for this.  Supposedly you can purchase it at a rate based on your income.  I don't imagine private insurance is going to be affordable and her job does offer a plan for her and her children, but not for 2 more months and it is HIGH dollar with low coverage. 

Don't really want anything from the government, but if we can pay for it through them rather than private insurance would sure be interested. 

Not trying to be dead-beat, welfare recipients, but glad to get help if available.

Please, everyone with a pet of any kind, consider it.  It can be a lifesaver (literally!), and I personally like the peace of mind it gives me, whether I ever need to file a claim or not.  Try Veterinary Pet Insurance:  http://www.petinsurance.com/ 

There are other companies too, but this is the only one we've used.  It saved us a small fortune when our Rottie got bone cancer in his front leg at just 4-1/2 years old.  After the diagnosis, we got a CT scan (same machine they use for people - $$$) to make sure it hadn't spread.  It hadn't, so we went ahead and amputated the leg (also not so inexpensive).  He felt great, was out of pain, adapted easily to 3 legs and was his old, happy self.  But just 6 months later the cancer was back, and we had to let him go.  Poor baby.  It all ended up costing about $2000.00, and we were reimbursed about $1200.00 from the insurance, so it was a big help. 

I think we just had their basic policy too, not the more expensive one (that would've reimbursed more), but I don't remember.  I think we paid around $300.00 a year for him (including an optional $99 routine care coverage addition to the policy).  The cost depends on the age and breed of the animal, and you can make monthly payments or pay all at once.  They insure all kinds of animals too, not just dogs and cats. 

We have VPI for our 2 youngest dogs (2 y/o Rottie and 5 y/o husky mix).  Personally, we will never be w/o it again on any of our dogs.  It's just such a relief to know you have it.  VPI also has a routine care plan you can add on to the policy (or not) that reimburses part of your yearly costs for shots, spay/neuter, teeth cleaning, flea/tick products, and heart worm meds, and we like having that. 

My oldest dog, my baby, is Wiley, a 12 y/o Siberian Husky.  Much to my regret, I didn't get insurance for him when he was younger.  Now it's too expensive (and they don't cover preexisting conditions).  Same with my senior Siberian, Alexx, who died earlier this year - I didn't have insurance for her because it's too expensive when they're seniors (if they'll even cover you then).  So I'll be paying off credit card bills for Alexx (who was very healthy until the last year or so) and Wiley (mostly Wiley) for yeeeeeaaarrrs to come. 

Wiley's had health problems since he was 5 yrs old, starting with his teeth (enamel hypoplasia, meaning lots dental x-rays, cleanings, extractions - root canals!), then a tumor (spindle cell sarcoma), then a recurrance of the tumor 3 yrs later (the biggest expense by far, due to the extensive nature of the surgery, need for a scan first, a specialist...), and now... immune-mediated joint disease.  If I'd had insurance for him, I would've save myself, literally, *thousands* of dollars (assuming they didn't cancel the policy! LOL) 

We're like you, Hayseed.  Our dogs might as well be our children, and we take care of them accordingly.  ;o) 

I am just looking for a few opinions on how I deal with my own friend, in my opinion, scamming an insurance company from an accident for an outrageous amount of money to pay their bills because of some serious debts.  She has a past history of suing others for minor accidents; I found this out later on.  Now, she is claiming not able to perform sex with hubby in order to get even more money.  Right after the accident, she was fine and then decided (maybe she's for real, though I have seen differently) that she is in severe pain.  No one else in that vehicle was hurt, even those seriously tossed from side-to-side.  I cannot say too much because I don't want her to figure out it's me typing this.  Now, my dilemma is I want so bad to bring this to light and do the right thing because now, I cannot even hardly look at her since I have come to realize she is not who I thought she was.  I personally know the insurance person and secretary both, though don't want them to know who I am if I were to call and say, "don't be stupid, don't settle, check past medical history".  Dr. says degeneration of spine is not from accident, but chiro states it has worsened since 2 years ago. I have seen her mow grass with a push mower, do outdoor activities and so on, but when it came to working, couldn't do that for quite some time due to pain.  How do you do outdoor sporting activities, but you cannot sit at your desk at work.  She is a complete and total fraud looking for money....We doubt she'll get what attorney is asking for, but we are best friends with her hubby and with that said, do I leave this alone or somehow bring it out.  It totally disgusts me.  She is fine until people are around and then she starts gimping and grimacing like she's in really severe pain.  I just don't know.  I think about this every single day and it is hard for me not to type or say something to open some eyes to this fact.  She is just lucky she hasn't been on video by an adjuster.