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Progressive - Insurance deny claim on 2023 Honda
My wife wrecked her 2023 Honda Accord last month when she hit a deer in the road, Progressive came back and said they are not going to cover the car as 1 rear tire was below safe level of tread (not even sure how that possible in 21,000 miles) is she just stuck paying on this totaled car, and the weekly storage fees at the tow lot for eternity?
Community Health Plan of Washington - Billed $400 for birth control?
Hi I got nexplanon and was billed by planned parenthood for $400, my insurance Community Health Plan of Washington states it covers birth control, but I’m getting charged $400 for the insertion? Is this correct or should I be completely covered by my insurance?
State Farm - Insurance Renewal/Non-Renewal
Ins: State Farm
I got into a wreck that I was deemed at-fault for in May 2024. My auto policy at that time renewed from Feb 2024-August 2024. In August 2024, they renewed me again and raised my rate (obviously). Then in December 2024, I received a letter from State Farm saying they weren’t renewing me (Feb 2025-Aug 2025) for being high-risk and I had to find new coverage. So my question is: Why did they renew me again in August 2024? Why didn’t they just non-renew me at that point?
USAA - USAA STAR Collision Center demanding repair authorization + POA forms before inspection
My car was hit from the side by an SUV. After getting advice from this subReddit, I opted to allow USAA to use a Toyota collision shop in their STAR network to do an inspection vs. going with a non-STAR collision center/appraiser (I still can pay for this out of pocket if needed). The consensus of this subreddit was that USAA collision centers are decent and wouldn't try to skip out on repairs just to keep estimate under the 70% threshold for totaling a vehicle (that was my concern as the car was hit near the hybrid traction battery and I believe it should be replaced)
The STAR-network shop contacted me individually and is demanding me to sign full work authorization forms and power of attorney before doing an inspection/estimate. In my state, I am legally entitled to an itemized estimate before authorizing any repair work. I'm okay authorizing an initial inspection but I do not want to give full repair authorization AND assign them power of attorney before reviewing and approving
homeowners insurance - Condo water leak question
Very long story short, condo had a water leak 4 months ago. My homeowners insurance says that based on the HOA bylaws, the HOA is responsible for the damage. HOA is saying the opposite. So I’m at a stalemate. What do I do? I’m assuming an attorney is my next step but who pays those legal fees if I win? Condo is in South Carolina if that matters.
To make it more complicated, my insurance sent in water mitigation contractors that completely ripped my kitchen out. They did this before asking me for a copy of the HOA policy and determining they’re not responsible for yet it was their contractor that came in. Now I have no kitchen and both parties saying they’re not responsible. Ugh.
Tesla Insurance - [CA] Rear ended, subrogated, repair complete but need to pursue diminished value from at-fault driver's insurance. Adjuster is non-responsive.
A few weeks ago I was rear ended at a complete stop. Had dashcam footage, etc. so all set there. I subrogated through my insurance and got my car fixed, etc. That is done. My adjuster said a diminished value claim would have to be made directly with the other party's insurance, Tesla Insurance in this case, however.
I got the information of the Tesla adjuster - just a name and phone number. He doesn't answer calls and his voicemail is full. He also does not answer texts. I am wondering what next steps could be - I suppose I could file a small claims case for the diminished value to get things moving. It has been a while. I was hit in a brand new, high value sports car with a few hundred miles so I am *very* keen on pursuing diminished value.
Kaiser Permanente - Unusual COBRA situation
Age: 40+
State: California
Income: 0 (unemployed)
tl;dr: I had some election snafu made by the COBRA management company where they just re-enrolled me in PPO which was $900/mo. I opted to go for a cheaper Kaiser option for $300/mo. Somehow I see when they fixed it, my PPO still shows covered and I have nothing regarding being enrolled in Kaiser... what should i do?
Longer:
So in my COBRA payment portal it shows I'm paying for Kaiser (cheaper) option and I have been paying for this coverage since the start of 2025. I haven't had to use it and I am just now needing to refill a prescription.
Also, my old company switched up their insurance at the start of 2025, so even if I stayed on my PPO it would have changed providers.
Anyways now that I need to refill a prescription I started looking through the docs I received and realized I never got any sort of Kaiser welcome packet but did receive a PPO insurance card, so I figured I would register on their site to see if it would let me. Surprisingly it did and the PPO shows I am covered.
Now, normally I am one to do the right thing, but insurance is inherently evil... so part of me wants to go fill my RX using this PPO coverage and see what happens. Is this a bad idea? I definitely cant afford for them to go back and charge me an extra $600/mo.
What do you all think?
Spot Pet Insurance - Spot Pet Insurance and Pre-Existing Conditions
I have a 9 y/o Bengal male who had a bout of diagnosed stress colitis three days after I took him from his long-term family and before he was covered. Now, he has diagnosed pancreatitis, which is a totally different thing, of course. However, apparently because they have similar symptoms, the stress colitis is being treated as a "pre-existing condition" for the pancreatitis by Spot. This is ludicrous, and my vet agrees. I'm going to challenge it.
Does anyone have any tips about the challenge and/or the paperwork I have to submit? Has anyone successfully challenged Spot or another pet insurance?
If the challenge doesn't go through, then I'm canceling Spot and just going to pay whatever I have to pay instead of giving them money each month. If they can say something is pre-existing simply because two diagnoses share symptoms, then I don't trust that I'll ever see any reimbursement of costs at all. What if my cat gets diagnosed stomach cancer, which can cause symptoms similar to stress colitis and pancreatitis? Does that mean then they won't cover it? Seems like they at least have that prerogative to do so.
Thanks in advance for your help!
MetLife - Good insurance for a healthy cat? Did my research and looking for more personal reviews
Okay so my cat is almost 2 yo and has no pre-existing conditions, has a primary vet, and is not spayed yet (Plan to, very soon!)
I’m looking for a good insurance that covers wellness (mostly blood test and spaying cost?) for the first year and accident&illness for the following years. I have gotten some quotes and is eyeing Odie and MetLife for that, but every insurance seems to have bad reviews, or some would even call them scams.
Please provide me some experiences/takes on the insurance you use for your cat, thanks in advance!! This could be really helpful for me ;))
P.S. the reason I want a wellness plan to cover spaying is because there’s no shelter/low cost spaying availability around me and I want to be consistent with my vet :,) my cat went into heat last week and I don’t want this to come back again so really wanna do it sooner.
Progressive - Progressive almost doubled my rate at renewal
I decided to go with progressive when I purchased my new car in march. I paid $850 for my 6 month plan. I just got my renewal and they want 1400!! I used the snapshot and got 4/5 start, haven't had any tickets or accidents since I started with them. I hit a deer in November of 24 but that was report on my first plan so what's making my rate so high? I got on their website and did a quote for myself (including the deer accident) and it said $700 for 6 months.
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