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re: Why do people think that they can lie to insurance companies?
Posted on 10/24/16 at 4:57 pm to ghusbhus
Posted on 10/24/16 at 4:57 pm to ghusbhus
quote:
and as for the link, it depends on what a "properly filed claim" is. When a pen slips and smudges the side of the paper, your kind tends to decline it.
ETA: Let me elaborate, a life insurance claim is a 1-2 page form. The form, 100% of the time, can be obtained with a phone call or online, with instructions. And it can be copied. So if you make a mistake, simply resubmit a new form.
So
This post was edited on 10/24/16 at 5:04 pm
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Posted on 10/24/16 at 9:14 pm to Vols&Shaft83
I have a "friend" who lies to his insurance companies all the time. Once he backed his new truck into something drunk then the next day took it to a store that he knew didn't have security cameras and called the cops claiming someone hit and ran while he was shopping. Didn't have to pay deductible or anything because it was labeled property damage.
He also faked having anxiety and did a bunch of coke the day before going to the DR to run his blood pressure up to get a xanax prescription because he likes to take xanax while drinking and health insurances pays for it.
Him and a friend also "stole" each others four wheelers and hid them in other friends shops for a few months and got the insurance company to basically pay for a new four wheeler then bought a few hundred bucks of plastic parts of a different color through a friends credit card and kept the other persons bike. they both got a free bike basically
He also faked having anxiety and did a bunch of coke the day before going to the DR to run his blood pressure up to get a xanax prescription because he likes to take xanax while drinking and health insurances pays for it.
Him and a friend also "stole" each others four wheelers and hid them in other friends shops for a few months and got the insurance company to basically pay for a new four wheeler then bought a few hundred bucks of plastic parts of a different color through a friends credit card and kept the other persons bike. they both got a free bike basically
Posted on 10/24/16 at 9:24 pm to deltaland
quote:
I have a "friend" who lies to his insurance companies all the time. Once he backed his new truck into something drunk then the next day took it to a store that he knew didn't have security cameras and called the cops claiming someone hit and ran while he was shopping. Didn't have to pay deductible or anything because it was labeled property damage.
quote:
Him and a friend also "stole" each others four wheelers and hid them in other friends shops for a few months and got the insurance company to basically pay for a new four wheeler then bought a few hundred bucks of plastic parts of a different color through a friends credit card and kept the other persons bike. they both got a free bike basically
Property Casual fraud is completely different than trying to defraud a life insurance company.
No less immoral, but much easier.
quote:
He also faked having anxiety and did a bunch of coke the day before going to the DR to run his blood pressure up to get a xanax prescription because he likes to take xanax while drinking and health insurances pays for it.
This is just dumb, when his health insurance premiums go through the roof, he can blame his "anxiety".
Posted on 10/25/16 at 7:55 am to Vols&Shaft83
I smoke 1 cigar maybe every 1-2 years.
So I need to say yes to "do you smoke"?
So I need to say yes to "do you smoke"?
Posted on 10/25/16 at 8:13 am to Old Sarge
quote:
I smoke 1 cigar maybe every 1-2 years.
So I need to say yes to "do you smoke"?
Probably not. 1 cigar a year would not impact your health significantly enough to show up in any health screening, thus, no record.
Unless you just want to tell the insurance company. What they really are looking for is habitual tobacco users.
Posted on 10/25/16 at 9:13 am to Vols&Shaft83
What about alcohol use? I drink more during football season so I always spread that out over the year when I answer that one. 1.5 a week is fair for me if you spread them out over 52 weeks.
Posted on 10/25/16 at 9:26 am to Old Sarge
quote:
What about alcohol use? I drink more during football season so I always spread that out over the year when I answer that one. 1.5 a week is fair for me if you spread them out over 52 weeks.
Have you been hospitalized, received treatment for, or been institutionalized for alcoholism or drug abuse? Have you been convicted of DUI or DWI within the last 5 years?
If no, then it's not an issue
This post was edited on 10/25/16 at 9:27 am
Posted on 10/25/16 at 10:48 am to Vols&Shaft83
Where's the best rate for a 15-20 year term policy?
Posted on 10/25/16 at 10:58 am to Old Sarge
quote:
Where's the best rate for a 15-20 year term policy?
Depends on your age and health. But as a broker, I'm not going to advertise or promote any particular company on an internet forum.
My advice is to shop around reputable companies, at least 4. Do NOT buy Guaranteed Issue unless you can't qualify for anything else.
Posted on 10/26/16 at 5:12 am to Vols&Shaft83
Its really your own vanity
People who actually frick decent woman do not give a shite
People who get mad at interracial couples generally if they are honest are lashing out at their inability to land a woman they deem hot or worth while and are looking someone to blame and a guy or girl of different race is mighty convient
Segregation is to socialism like interracial couples is to capitalism. Seregation lowers the pool and standard that one has to meet. The more races and cultures intertwine the more options a person has the harder it is for a avg working class guy of any race to get laid.
The guys with their ahit together the athletes the successful people are going to get theirs regardless. The guy who gets fricked over is the guy who is 31 who has a tech degree working his arse off at att as a manager who doesn't enough time to go to the gym everyday and can't afford to eat like a professional athlete. That guy 50 years a ago was auto guaranteed an ot 6 of his race. But between feminism, women thinking they don't need men to do a bit and women and men just having more options he's got a life long bazzers accountant lol. And god dammit he's tired and he's pissed and it's someone's fault.
Black women hate my guts lol. For no other reason than my fiancee is white. shite 1. I'm not even really fricking black lol I'm just as native american as I am black but one drop rule problems lol and 2. They don't like me anyway. They just don't like the fact that I won't date them lol. I'm not black enough for black women nor do I want to be I like who I am. Same women who say shite about me now wouldn't give my mudshark loving arse the time of day years ago.
frick black women lol.
If white men really wanted to solve the interested problem they simply need a pow wow with black women and talk sense into them because black women are the most ignorant motherfrickers alive. There I said it
People who actually frick decent woman do not give a shite
People who get mad at interracial couples generally if they are honest are lashing out at their inability to land a woman they deem hot or worth while and are looking someone to blame and a guy or girl of different race is mighty convient
Segregation is to socialism like interracial couples is to capitalism. Seregation lowers the pool and standard that one has to meet. The more races and cultures intertwine the more options a person has the harder it is for a avg working class guy of any race to get laid.
The guys with their ahit together the athletes the successful people are going to get theirs regardless. The guy who gets fricked over is the guy who is 31 who has a tech degree working his arse off at att as a manager who doesn't enough time to go to the gym everyday and can't afford to eat like a professional athlete. That guy 50 years a ago was auto guaranteed an ot 6 of his race. But between feminism, women thinking they don't need men to do a bit and women and men just having more options he's got a life long bazzers accountant lol. And god dammit he's tired and he's pissed and it's someone's fault.
Black women hate my guts lol. For no other reason than my fiancee is white. shite 1. I'm not even really fricking black lol I'm just as native american as I am black but one drop rule problems lol and 2. They don't like me anyway. They just don't like the fact that I won't date them lol. I'm not black enough for black women nor do I want to be I like who I am. Same women who say shite about me now wouldn't give my mudshark loving arse the time of day years ago.
frick black women lol.
If white men really wanted to solve the interested problem they simply need a pow wow with black women and talk sense into them because black women are the most ignorant motherfrickers alive. There I said it
Posted on 10/26/16 at 5:13 am to vengeanceofrain
When you know you're drunk
I'm just go leave it there fuxk it
That my friends is how you know I'm a redskin I've had one fricking crown and coke. Need to have sumlin give me some drinking lessons
I'm just go leave it there fuxk it
That my friends is how you know I'm a redskin I've had one fricking crown and coke. Need to have sumlin give me some drinking lessons
This post was edited on 10/26/16 at 5:15 am
Posted on 10/26/16 at 6:48 am to vengeanceofrain
What in the Holy frick just happened here?
Posted on 10/26/16 at 6:58 am to Vols&Shaft83
Vengeance hath come down on your thread. 
Posted on 10/26/16 at 7:37 am to vengeanceofrain
Wuuuuut?
Posted on 10/26/16 at 9:48 am to Vols&Shaft83
quote:
What in the Holy frick just happened here?
Wrong thread
Posted on 10/26/16 at 10:37 am to Vols&Shaft83
quote:
Probably not. 1 cigar a year would not impact your health significantly enough to show up in any health screening, thus, no record.
I'll add to this and say, it typically matters more if COD is something with high correlation link to sometihng from underwriting
-Non smoker yet got lung/throat/mouth cancer? Going to check up on that.
-Non drinker yet got liver cancer? Going to check up on that.
Posted on 10/26/16 at 7:56 pm to Vols&Shaft83
quote:
Vols&Shaft83
OK real talk......I had a life insurance policy through my job and for the first time ever they told me I had to have a physical.....So I passed it but on the questionnaire I had to fill out it asked if I was on any medication. I lied and said no...
So if I die will that be a problem?
Posted on 10/26/16 at 8:04 pm to 14&Counting
Depends what Cause of death and what the medication was
Posted on 10/26/16 at 9:51 pm to 14&Counting
quote:
So I passed it but on the questionnaire I had to fill out it asked if I was on any medication. I lied and said no...
Depends on type of medication, what it's for, and cause of death.
Posted on 10/27/16 at 9:56 pm to Vols&Shaft83
Every once in a while someone tries to pull shite on me in property and casualty. They tell me they have a pit bull and when I tell them we have to look at a different company thats more expensive because the option that would've been best won't take houses with certain breed dogs. Then they ask if they can just leave the dog at a friend's house when the insurer's inspector comes out.
Eventually it becomes easy to figure out who's trying to hide something or flat out lying.
Eventually it becomes easy to figure out who's trying to hide something or flat out lying.
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