How should I handle Expensive Hopital Bills Without Insurance?

The best idea although controversial is to not pay the bills. No matter how many calls you get from collections, medical bills will not effect your credit score. This is thanks to new legislation that prevents medical bills from going on your credit report.

Go on the offensive and threaten to sue the collections agency's that call you. Make sure you know that you will never pay them back. These callers are people too, although they are trained they won't mess with you if you are experienced enough.

Not paying these bills gives you more room to leverage negotiating the debt. Debt is often sold for cents on the dollar and the new owners need less money to recoup the investment. Also try negotiating in the business office at your hospital, if you are assertive and threaten not to pay they will lower the price.

Can the Insurance Company Check Mileage?

Yes, the car insurance company can spy on you and make sure you are only using the miles allotted to you for your plan.

Some insurance companies have a low annual mileage discount that allows you to "save" money by driving less miles (which really means less risk for the insurance companies!). Often it will be the dealership you bought your car from that will out you to the insurance company.

Also another way they spy on you is when you go to get your car serviced, for example an oil change, that information may be reported on CARFAX. CARFAX is a very easy way for insurance companies to revoke your low annual mileage discount.

So overall if you want to save as much money as possible, find a dealership that won't snitch on you and a garage that doesn't but basic services like oil changes on CARFAX, or better yet learn to change the oil yourself.