Good Guys Always End Up Paying

June 24th, 2013
By

Wen you hear da word "insurance", wat are da first words dat comes to mind?

Scam. B.S. Why? I no need. How come need? How come THEY no mo'? I no like. Rip off.

I going straight up say dis, insurance companies suck wen it comes to helping out da good guys! Yes, I do consider myself one of da "good guys" and it really does suck wen you do things right and follow da law - or watevah da situation may be - and YOU come out on da wrong end. All of da following has happened in a span of a year and it just makes me sick to tink dat even though I stay paying for someone to get my back, I still end up with loco moco in my face.

My truck in da last year have been in more accidents and hit and runs than I want to remembah and prior to da 10 years of owning it, it has nevah been in so much pilikia by oddahs who no have insurance or just no care. Early last year, Da Wife was involved in an accident by a moke who rolled backwards into my truck on da H1 causing about $750 worth of damage (Serving and Protecting With Aloha blog). Of course he nevah have insurance but I, being da law-abiding citizen, had to. My deductible is $500 and being dat I would have to pay not only da deductible to get da truck fixed but da higher premium thereaftah by filing a claim, I decided to leave da truck "broken".

Then a few months latah anoddah moke wen hit and run da truck (Unfrickinreal blog) causing some pretty serious damage and again, I in da same boat as previously stated wea I like 'em fixed but I da one gotta ante up cause da oddah guy more than likely nevah have insurance but then again, s/he nevah stick around for me to find out.

Did I mention dat in da first incident I had to do all da investigative research to locate da drivah and da owner (not da same person) then basically State Farm didn't want to do jack $h!t about it in terms of pursuing damages against either of 'em. Did I also mention da there were two oddah incidents from on street parking while I had to drive da truck into work about a month ago?

Then those who read WWD! regularly know dat my motorcycle literally blew up while I was riding into work about a month ago (Really, Wat Else? blog) but my insurance company won't cover a penny cause I ended up being an experienced rider who knew wat to do and avoided an "accident" even though I got full coverage on da bike.

Aftah speaking wit Progressive, and having them acknowledge on recording, dat they won't cover an experienced and skilled rider who kept from causing an accident but they would have covered me if I was an inexperienced rider who crashed his bike. Please explain to me how being an experienced rider would negate coverage? And all dis time I thought all da insurance companies boasted about "rewarding/protecting" good/excellent drivers? :roll: I might as well have just jumped off da bike and let it crash!

Are your eyes rolling yet?

Like an infomercial, WAIT! There's more.

Then, two times in less than three months Da Baby experienced a seizure which required us to call 911 for emergency services (Da MOST Scariest Three Minutes I Don't Evah Want To Face Again and Target(ed) blogs). While I am grateful for their services, upon receiving da bill for $1,000+ per incident and latah on da HMSA "statement", I was outraged dat HMSA did not cover it.

BL: We received the statement and wondering why the ambulance wasn't fully covered? Doesn't my plan have emergent care coverage?
HMSA: You didn't use a participating provider.
BL: Excuse me? We called 911 for an ambulance.
HMSA: Yes, and the ambulance service was a non-participating provider so you're responsible for 60% of the charges.
BL: You mean, now if/when we call 911, we need to ask to send a HMSA participating provider ambulance? It's an emergency! We have NO CHOICE! They send whomever they want to send.
HMSA: There isn't any participating provider on the island.
BL: HUH? Really? Then why have it listed on the handout? Shouldn't there be an asterisk with a "disclaimer note" for that coverage then? That seems like a "choice" people should be able to have then if it isn't covered. I should just say I'm homeless and it's 100% covered right?

Aftah realizing it wasn't going anywhere and fruitless to continue cause I wasn't speaking to da "right" person, I got off da phone.

Everyone say it with me now......... Wassup Wit Dat!

Between all da damages on da truck, an incapacitated motorcycle and questioning if I can afford a 911 call now, it's a wondah why I just don't pack it up and live on da beach wea everything is "free".








Posted in WWD! | 22 Comments »

22 Responses to “Good Guys Always End Up Paying”

  1. The BC:

    First for the first time!


  2. The BC:

    Insurance is a scam. If you no more insurance ask for cash discount. Then all of a sudden the odda rate sheet come out! WWD! The doctor says only..$200 instead of insurance rate of $600! Why don't they just charge the $200 in the first time! HUH???


  3. wafan:

    Greetings from Kansas City, MO!

    Ho, da hot!!!


  4. wafan:

    Lots of rip offs . . . or is it really a lack of customer service?


  5. M:

    Howzit BL!

    Insurance is a big legal scam.


  6. sally:

    Insurance is a necessary evil.


  7. Jesse(James):

    Yep...Insurance...if/when you owe them for the bill and you are one day late, they get all hu hu....But when it comes to them paying you....OMG....


  8. Jesse(James):

    LOL...How about this one BL....I actually watched my car being stolen from in front of my house one morning...like at 3 a.m. I immediately call 911....and told them if they got to a particular street they could catch these guys because there was only one way in and out of my residential neighborhood for about 1.5 miles. HPD told me officers were responding immediately...meanwhile, the guy started my car and began to drive off...I chased after him to no avail. About 20 mins later, a police car pulls up in front of my house with 2 officers in it both of whom were drinking coffee who told me they were unable to find the guys driving my vehicle away....

    Flash forward...I get a call from HPD about a week later saying they found my vehicle on the hillside at Punchbowl. The vehicle was stripped and sitting on its frame...no engine...nothing....HPD tells me I have to have the vehicle towed because it's a hazard so they tow it. When I go to see the vehicle, it is a pile of junk metal so I tell the tow yard that I'm just going to junk the car. The tow yard tells me I owe them over $600 for the tow, hook-up fees, difficult hook-up fees, etc. etc.

    In short, I had to pay $600 to have my car stolen.....I complained to the City and said I was doing the right thing....Fell on deaf ears. I told the City official that I should have just said that wasn't my car and left it on Punchbowl as an abandoned vehicle and the City would have gotten rid of the vehicle without me paying a dime.....WWD!!! LOL


  9. islandgirlinnc:

    Oy BL! As far as the ambulance goes, that happened to us when my younger son had to be transported by ambulance from the pediatrician's office to the hospital. Our insurance didn't cover the ambulance because it was out to network! Huh! After calling them and explaining that we don't have a choice in picking an ambulance, which they know, they did end up covering most of the cost. I would pursue further if possible to get them to cover it. Seriously, how can you request a particular ambulance company? Whoever comes, comes.


  10. KAN:

    Insurance companies are in business to make money, not to cover you for losses. Unless you're the burr under their okole(s), they won't lift a finger to help. Took a lot of yelling on the part of my parents after they got T-boned by someone driving her father's (brand new) VW bug to get any kind of satisfaction.

    I want to know what the consequences are for uninsured motorists. Do their licenses get suspended? (As if that would have any effect - they'd probably drive anyway.)

    Read your policies, BL. Appeal the initial decisions. Don't take "no" from someone with no authority to give you a "yes."


  11. M:

    BL, I have State Farm Insurance and I never had any problems with claims.


  12. B:

    wwd with hmsa? den should charge less if no moa participating ambulance company. car insurance is anudda one... why da premiums gotta go up? da udda guy/driver stay break da law... no can understand!


  13. Glenn D:

    BL, I feel your pain. My car insurance, I get no claims for ova 10 years and my premium neva go down. Actually it creeps up by $20 hea, $30 dea. But no mattah, we (da good people) end up paying because hea we get so much illegal immigrants from south of da border and they get no drivah's license or insurance. They hit you, cops don't do nothin' unless somebody is seriously hurt. They see they hit a nice car, they no wanna pay so they go straight back across da border. Da cops, they bust 'em at check points for no drivah's license, they not going to impound da car. They say that no car, den they cannot go work. But remembah, no license! WWD!!


  14. DIO:

    BL: You forgot another insurance scam: high rates for those under age 25. It doesn't matter what your driving record is, if you fall into the under 25 category, be prepared to get screwed. How the Hell do they get away with that? If this were any other situation, people would be crying discrimination! To me, insurance is like politics and politicians: both are good....in theory....in reality, well.....


  15. sally:

    HMSA is not the one setting the fee for the ambulance so it is not for them to adjust the fee. They set a lower fee if the company CHOOSES to participate with them. It's the ambulance (or hospital/doctor/provider) that can choose to adjust their fee in consideration of Non-Par status, but probably won't.

    The fact that no ambulance service is a Par Provider is something I did not know. Now THERE is a racket! Yah Yah it is probably on the list in the benefits book, but really who reads that unless looking for a physician or dentist? And who would think to specifically look for AMBULANCE SERVICE?

    Unfortunately it is not until we (or a friend) get into a situation that we find out about these things. And unless you've worked with claims, you probably still won't fully understand.

    Like I said... insurance is a necessary evil. Insurance is in the business of being in business.


  16. Manoa Mist:

    I'm really sorry but reading about all your troubles just makes me feel...better. Like I ain't the only guy out there with troubles. Thanks for sharing. Total BS about the ambulance, BTW. Anyways, to make YOU feel better try this on. We had a family member going crazy because of Alzheimers, called the cops and sent 'em to Queens. We just got the bill. More than $35,000 and nothing covered. Feel better?


  17. PFP:

    BL, you can thank the republicans for the current insurance system we have in place. The compassionate insurance system you described. I feel your pain, my braddah. Ahhhhhhhhhhloooha!


  18. Braddah Lance:

    The BC:
    First for the first time!

    And to you, Da Quote Of Da Day......
    Name the greatest of all inventors. Accident. ~Mark Twain

    Insurance is a scam.

    Das wat it feels like although we still "need" it.
    .
    .
    .

    wafan:
    Greetings from Kansas City, MO!

    You vacationing or now you going be MOfan? :lol:

    Lots of rip offs . . . or is it really a lack of customer service?

    Hmmmm.... reminds me of da State Farm commercial with Uncle dangling da dollah bill with a fishing pole. :lol:
    .
    .
    .

    M:
    Insurance is a big legal scam.

    I was just telling Da Wife dat it's like it's da only "legal" pyramid scheme out there.
    .
    .
    .

    sally:
    Insurance is a necessary evil.

    So is taking a crap. :lol:
    .
    .
    .

    Jesse(James):
    Yep...Insurance...if/when you owe them for the bill and you are one day late, they get all hu hu...

    I've always wondered if you forgot to pay and they send you a reminder dat your premium was due, are you still covered if something happened but you paid late? Cause wen I forget to pay and pay latah, it says I was covered da "whole" time. Hmmm......

    LOL...How about this one BL....I actually watched my car being stolen from in front of my house one morning...like at 3 a.m.

    DAMN!!!! I wondah wat would be worse: watching it get stolen or finding out it was stolen?

    In short, I had to pay $600 to have my car stolen.....

    Sounds like some "good guys" action. :neutral:
    .
    .
    .

    islandgirlinnc:
    I would pursue further if possible to get them to cover it.

    I tink it goes further hea cause da ambulance dat came was a City & County ambulance so not surah if there's a "conflict of interest" if they become a participating provider but wat I'm upset about is dat if I was homeless or nevah have insurance, it would be "free".

    Seriously, how can you request a particular ambulance company? Whoever comes, comes.

    I was telling Da Wife dat (if) next time, we should just ask for da Fire Department and ask them to transport cause there's certainly no bill for dat service!
    .
    .
    .

    KAN:
    Insurance companies are in business to make money, not to cover you for losses.

    True dat.... but's das not wat their "selling". Look at all da commercials on tv, it's about them being there wen YOU need them. :roll:

    I want to know what the consequences are for uninsured motorists. Do their licenses get suspended? (As if that would have any effect - they'd probably drive anyway.)

    Trust me, I've been up dat avenue wit CHOKE people from HPD to da City Council to da DMV but NO ONE gives a damn! Da only time they will is if/wen it happens to them will they want "justice".

    Read your policies, BL. Appeal the initial decisions. Don't take "no" from someone with no authority to give you a "yes."

    I have read them and the appeals process is by written letter which will be sent out very soon.
    .
    .
    .

    M:
    BL, I have State Farm Insurance and I never had any problems with claims.

    State Farm is not hesitant to pay out a claim since we have full coverage on the truck but da point is dat they do not want to pursue going aftah da drivah or owner for da damages. Instead who has to pay it regardless of fault? Das right, me. It's about da "right thing to do" rather than just getting something done. I refuse to be on da crap end of da deal and I guess das why I get one buss up truck still yet.
    .
    .
    .

    B:
    wwd with hmsa?

    Dunno. It's always about da kala no mattah if it was HMSA or da "non-participating provider".

    car insurance is anudda one... why da premiums gotta go up? da udda guy/driver stay break da law... no can understand!

    BINGO! Das wat I mean!
    .
    .
    .

    Glenn D:
    BL, I feel your pain. My car insurance, I get no claims for ova 10 years and my premium neva go down.

    Heh? Really? I know dat I've gotten discounts every FIVE years for no claims but I guess it's offset as well wen since it goes up yearly as well with "inflation". :lol:
    .
    .
    .

    DIO:
    BL: You forgot another insurance scam: high rates for those under age 25.

    .I actually tink dat is legit due to da "experience". I remembah paying dearly for insurance on da bike wen I was a spring chicken and even wen having a rental car. I used to say it was a scam too cause I had clean record.... but now getting older, I actually understand da "risk" to dat.

    To me, insurance is like politics and politicians: both are good....in theory....in reality, well.....

    Ha ha ha - well said.
    .
    .
    .

    sally:
    HMSA is not the one setting the fee for the ambulance so it is not for them to adjust the fee.

    Understandable as it is negotiated as to wat HMSA WANTS to pay rather than how much da ambulance service charges BUUUUT it's da ONLY service we got and literally got NO CHOICE - so why can't they just get along cause da only people dat get affected are da people paying?

    The fact that no ambulance service is a Par Provider is something I did not know.

    Well consider it anoddah WWD! community service for putting out da word. :grin:

    Now THERE is a racket! Yah Yah it is probably on the list in the benefits book, but really who reads that unless looking for a physician or dentist? And who would think to specifically look for AMBULANCE SERVICE?

    If I recall, it is NOT listed in da benefits book. All it says is how much they'll cover for a participating and non-participating ambulance service.

    And unless you've worked with claims, you probably still won't fully understand.

    Rogah dat.
    .
    .
    .

    Manoa Mist:
    I'm really sorry but reading about all your troubles just makes me feel...better. Like I ain't the only guy out there with troubles. Thanks for sharing.

    Ha ha ha! Glad I could help but das wat WWD! is for.... to make you laugh, cry and feel bettah. :lol:

    We just got the bill. More than $35,000 and nothing covered. Feel better?

    Holy cannoli! And no, I do not feel bettah.


  19. cojef:

    Moved to southern Cal in late 1971 and joined State Farm, they have all my insurance, house, auto ($250 deductible), golf cart, plus million dollars umbrella policy. No complaints as they make all arrangements the 2 times we had accidents. Pay $160 for ambulance service annually. In our community when you call 911, retirement community, automatically Doctor Service ambulance arrive with the Fire Department. Feel for you braddah Lance, when it rains, it pours. Know the feeling, wife get cancer surgery, almost exactly a year later I get a raptured diaphram, than double hernia operation. Our scars are identical, from breastbone to just below the belly button, plus she had a bikini cut surgery to remove ovaries/uterus, mine mimic with 2 slit on either side of my lower belly. Like what's next? WWD


  20. MrK:

    Das why people always say that the people who no more job, and/or who are low income have it MUCH EASIER than the middle-class. You can get subsidized housing, and you qualify for all types of governental/non-profit benefits, including, but not limited to: Quest Insurance, free Head Start pre-school, WIC services, housing subsidy, EBT, and the many other services that non-profits offer to those meeting income requirements. Middle-class people are PAYING for all of that stuff, yet they don't qualify for ANY of it - go figgah!


  21. dihudfan:

    insurance... wat a rip off... dam if you have it... dam if you don't... no can win...
    the bad ting is it's always the other guy that don't have it and you gotto dish out the moolah...
    S Y HUD!!!


  22. sally:

    Let me add to the WWD confusion. Cuz yayyyy we love WWD confusion!

    Insurance allowable fees are determined for Par Providers by taking the fees of the area they are in (Hawaii), getting an average, then going to the 70th or 80th percentile, sometimes lower. Believe it or not, the allowable is actually higher for a NON-Par Provider, which benefits no one.

    Your provider, who keeps their fees "low" is really not doing any favors. Ins will believe "Oh, that's the going rate anyway".

    What I am trying to say is that ins companies do not pull their allowable fees out of a hat.

    Confused yet? That's what ins wants you to be. Providers take a huge hit by being Par. I am not, in any way, defending one or the other, as I have been on both sides of the scenario. Most of all, I am a consumer.

    WWD WWD WWD