It would seem the source of all the debate on health care is centered around the cost of getting the service. It truly can vary from doctor to doctor. Would a good way of controlling the cost be to setup a required certification like auto shops have?
Each procedure should take an average number of hours, and you get billed at that many hours times the doctor/hospital going rate.
Further legislation could raise/lower/cap/minimum the rate that doctor’s can set, review operation times as technology increases.
Would a system like this work?
The real question is "who decides the going rate for procedures, who decides how long it should take". You would be incentivizing doctors to work faster and possibly more carelessly. (Not terribly unlike how it currently is). I think it makes allot more sense to cut out the bureaucracy and government plans (medicare and medicaid) and let the doctors compete against each other to drive costs back down for the patients.
To answer the question "would that system work?": I think it probably would work, just alike allot of different ideas will work. I just don’t think it would be any more efficient, and probably wouldn’t bring about much forward progress as far as costs or coverage are concerned.
I’m currently writing a demand letter and need to know how much to ask for other than the medical bills that I have receipts for. I came across this calculator, but still am unsure on some things: http://www.after-car-accidents.com/personal-injury-calculator.html
For example, what would I put for lost income if I’m unemployed and have stayed unemployed due to prolonged issues with the car / auto shop as well as physical pain and stress? Would it count if I mentioned the inability to secure a job due to these things resulting from the accident?
Also, the car repair costs have already been paid off. It’s just the medical bills and others that I need to figure out. I’ve included a bit of what I’d like to say, but am unsure if this is too much or if it’s ridiculous to even mention. I’ve never written a demand letter before, so don’t know how it’s supposed to be done.
Here’s pieces of what I have so far:
"It has taken me a while to submit this demand letter since I have not been in the right mind state for some months. I suffer from depression and was previously taking medication however, shortly after the accident I stopped going back for refills so that I could use my money instead to correct the back, shoulder and neck pain resulting from the accident. Being unemployed, I had to decide what needed to be taken care of most and felt the physical pain to be much more debilitating. It’s been a very stressful past several months and I’ve been unable to secure a job since issues with my car and the auto shop as well as dealing with the physical pain and recurring depression, which has additionally made it very difficult to focus, has been taking up a lot of my time.
I am still suffering from back and shoulder pains, resulting in loss of sleep and fatigue due to the inability to sleep. Despite the pain and need for more treatment, I have had to stop chiropractic visits due to the lack of funds– funds which I was initially withdrawing from my emergency savings."
Obviously I have a lot more to write out along with the necessary details of the accident + bills. BUT how is it so far? It feels weird to complain but I do want to be compensated for all the trouble because the accident was not my fault at all.
Any help would be really appreciated.
I’m writing this demand letter to the insurance adjusters– they are the ones who told me to do so, instructing me to mark down expenses as well as pain and suffering. I’ve already received a check to pay off the repairs to the car. They are just waiting for my letter and receipts. The thing I’m having trouble with is how much to ask for pain and suffering as well as what was mentioned above.
As the other poster said, there is no correct answer. What’s it worth to you?
The only "mistake" you can really make is to forget to calculate one of your medical bills and end up with it not-paid-for. The pain and suffering is entirely subjective. Your goal is to feel them out for how much they’re willing to pay to have you go away without going to high as to cause them to slam the door in your face while laughing. The person on the other end of the phone is an adjuster who’s credo is most likely "A good claim is a closed claim." Being wishy-washy isn’t helping.
Your current letter comes-off a bit "woe-is-me". "I’m depressed", "I’m unemployed", "I’m incapable of dealing with the property damage part of my claim with the correct level of assertiveness". This does not project the level of confidence you need to get this done with.
"Dear So & So, Per your request I’m sending you a summary of my claim with your insured. My total medical bills are $xxxx. (itemized below). This accident has caused me a great deal of physical and psychological distress as it occurred during a period when I was already unemployed. The negligence of your insured did not help my situation. Despite the lingering physical effects of this accident I would like to put this incident behind me and I would offer to settle with your insured at this time for a total sum of $xxxxx. In exchange I will sign a full and final release of all claims against your insured. You may contact me by telephone to advise me of your acceptance of this offer at (xxx) xxx-xxxx."
Short and to the point. Leave the door open for a counter-offer, and expect one, and have a plan what to ask for next. Litter the letter with references to "insurance" and "insured" so if it all does end-up litigated they won’t be able to use much or anything in your letter in court. (Courts generally don’t allow juries to know whether there is insurance available or not in most states so the letter would be excluded or heavily redacted.) Don’t write anything in it that you wouldn’t want the insured’s lawyer to be reading to a jury two years from now. Note in the letter "at this time" or another phrase indicating that you could change your mind.
Also- make sure you are clear on whether your medical bills need to be reimbursed to somebody out of your claim settlement. Nothing worse than getting paid and spending the money and then getting a letter from your health insurer that you owe them money back that you no longer have.
You can do it.
I’m taking out a new insurance policy on the car and home. I have found a insurance company named Southern Trust and wanted some insight and reviews about if it’s good or not. If you’ve had it, can you give me some sort of yay or nay about the quality and rating of it?
Southern Trust is AM Best rated A V. That means they’re very small. They’re also rated "negative outlook", meaning, they might not be A rated very much longer.
Regarding complaints, you can go to YOUR state insurance department website, and there should be a link there listing valid complaints on insurance companies.
does the 2 games in it link together? do you need to have played gta IV to understand it? or is it just 2 separate games? and also, I got it on ps3 for christmas, but i wanted gta V, but I might just keep it and buy gta V, or is it worth keeping? thanks.
They link to each other and the main story of GTA IV, some missions are seen from different point of view in each of the games. They can be played on their own, they have their stand alone plots, but to get the most out of them, and understand the context, it is very recommended to play the main game first, then the add-ons.
I had a great free site that was all about User reviews of different cars and trucks, broken down by make / model / year.
Any recommendations? When I google it, all I get are pay sites.
Thanks Ed
Close, but I’m looking for USER reviews. People discussing cars they own and drive, the best experience.
thetruthaboutcars.com
edmunds.com
truecar.com
All of them are free and i don’t work for any of them.
I ordered a bumper from it oct 28th, have not received it. The process went from awaiting shipment, to shipped, to complete, and I never received it in the mail. I tracked it and the package could not be found. I also found this review site, did I get scammed?! http://www.bbb.org/pittsburgh/business-reviews/auto-repair-and-service/auto-upgraders-in-altoona-pa-71002258/
The shipping company should be able to tell you if it was actually shipped and where it was delivered.
If nothing was actually shipped, file a claim through your credit card company.
…
I just reviewed my credit score info after the fact of securing a auto loan and am very confused. I have 3 scores of course which are 657,647,621. When the dealer gave me my credit report it only showed my lowest score from Equifax. It’s not until just now when reviewing my full report from a recent Refi I see I have two much higher scores. Can anything be done now? Can I call and argue with the bank? Or am I screwed here?
Car lenders use a different credit score than you see from your reports.
One tailored for them
yahoo autos
msn autos
edmunds.cm
vehix.com
epinions.com
autotrader.com
and many more.
It probably goes something like…
This car is supposed to have a stick shift!
I’m going to retake the ASVAB this week for the Air Force and I was wondering, what should I study like any websites or anything I can review for the Mechanical Comprehension, Electronics Information, Auto and Shop Knowledge part of the test because I have no background knowledge in those fields. I really don’t know what too look for up study on. Any suggestions on what to do about that part of the test? Thanks for any help!
When i took the asvab, the questions in those fields are VERY basic. Tool names and basic mechanical questions. There are ASVAB books that can assist you in those if you feel you need it. http://www.amazon.com/ASVAB-Dummies-Jennifer-Lawler/dp/0764554972