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?

I just talked with Pets Best as I have a 30% increase in my premium for this next year (3 year old dog). They said they have changed underwriters and if I get a rewrite the new underwriter premiums are about the same price I have been paying (so 30% lower then the previous underwriter). I know all of the waiting periods would restart and no preexisting conditions (the only condition she has had they already denied saying it was preexisting (I had to switch after Many Pets stopped covering in my State)). Has anyone done this rewrite? Any one know if the new underwriter is better or worse vs the old?

Seeking advice from folks involved in the auto insurance industry... A bit of background. We've been insured with State Farm continuously for over 30 years, getting both home and auto insurance from them. A couple of weeks ago we received a notice that they were dropping us from our auto coverage because there were 4 claims on our record: 1. An accident where my wife was at fault, where she hit a car in a parking lot. Our insurance ended up paying out about $3,000 for that accident (mostly to other driver.. very little damage to our car) 2. An accident where my 17 year old daughter rear-ended another car at low speed. There was minimal damage to the other vehicle (scratches on the bumper) but due to the age of the car my daughter was driving, the amount of damage to her car was high enough that the vehicle was totaled, and the insurance paid about $6k to us for the totaled vehicle. 3. My older daughter was riding her bike (pedaled bike, not a motorcycle) 4 years ago and was hit by a car who illegally ran a stop sign. The other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim to anyone. In Texas apparently anytime there is an accident with a bike and police are called, it gets reported to your insurance. 4. My older driver was riding her bike again 2 years ago and was again hit by a car who rear ended her as she was legally riding on a city street. Again, the other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim. State Farm said that those 4 accidents were enough to drop us from coverage. (Technically, it's a non-renew, when our policy ends in about 3 weeks.) While I personally strongly disagree with them considering the 2 bike accidents, their representative told me that they are within their rights to do so, and that they have indeed done so, and that "there is nothing you can do to appeal". That upsets me, but that actually isn't my question! Because we're being dropped, we've searched for alternative insurance. I have obtained quotes from a variety of companies, and found that Progressive is offering coverage that is comparable (actually, a little better) than the State Farm coverage we had, at a fairly significant reduction in cost over what we had been paying State Farm, so we're switching as soon as our current term with State Farm ends in a few weeks. On one of our vehicles that is currently insured (with comprehensive and collision coverage), we sustained hail damage on the car a couple of years ago, resulting in dents to a number of the body panels and a crack in the windshield. None of these things bothered us that much, and we've just let them go. However, we are considering filing a claim for that damage before we leave State Farm and getting them repaired. I'm not sure what the total cost will be, and it's a somewhat older car, so I'm worried that MAYBE the cost of repairs could end up reaching the dollar threshold where they would total the car, but there is nothing whatsoever else wrong with the car. Here's my real question: If we did file this claim with State Farm before we leave them, is there a potential that this could come back to bite us later with Progressive? Would having this claim for hail damage impact our rate with Progressive, either now or later? Also, if they did decide to total the car, it's almost certain we would choose to buy the vehicle back (not relinquish title) and then hopefully fix the damage on our own, as best we could, using whatever State Farm paid out after the buyback. However, would the fact that the car had been totaled impact its future insurability or our rates for insurance coverage? (We've had a history of always getting "full coverage" on our cars, even though they are paid off.) My understanding is that Texas does not require a salvage title on a vehicle if it is totaled due to hail damage, although I'm not positive of that. Any advice from folks "in the know"? Thanks so much!

Location: Dallas, TX. I was out of town in November, and my vehicle was being driven by my housesitter, who was involved in an incident where (I believe) the other driver was at fault. She stated she was sitting at a four-way stop when it was her turn to move forward and a driver came through the intersection without stopping and swiped the side of my vehicle. He provided to her his drivers license and car insurance information at the time of the incident. When I returned from my trip, I filed a claim with his insurance, which was USAA. No police report was filed. I have insurance through Texas Farm Bureau but liability only with a 1k deductible. The first agent I worked with at USAA was completely unresponsive, I reached out multiple times to her over the course of several weeks before I had any follow up and had to escalate my claim to a manager. Finally, a second agent was assigned. The second agent originally told me that, based on the first agent’s notes, the claim would be closed in my favor, she just needed to verify with her manager because no one had been able to contact the driver. The next time we spoke, however, she said they needed to speak with the driver to verify events before they could close the claim. Basically, over the course of several months, the driver refused to contact USAA or speak with them about the claim. According to the agent, they sent several letters and calls. I’ve just received a denial letter from USAA and the advice from the new agent is that I file a claim with my insurance and they can try to recoup any monies from USAA; however, I’ll basically just be paying out of pocket bc of my 1k deductible and liability coverage. I haven’t gotten an estimate on my vehicle yet but the damage doesn’t seem extensive, I would think maybe $1000-1300 in repairs; however, much more than I can afford. Do I have any recourse to get this handled with USAA? Updated to add paragraph breaks. :) Also updated to say I will double check with my agent about my policy tomorrow (they're closed now). I thought I had liability with a 1k deductible but I'll double check on whether or not thats for collision coverage. I looked at my policy documents and I can't tell what I have... Thanks for all the help !

I am getting some MRI's done at a outpatient facility and wanted to get an estimate by my insurance on my copay. My insurance asked me to get the NPI /taxid for the radiologist that will be doing the MRI so they can get the best estimate. I have BCBS I contacted the outpatient facility (NJ imaging network), and they gave me an NPI number but thats the NPI nubmer of the facility. I asked for NPI number of the radiologist, but they said that they bill under the facility, not the radiologist. How am I supposed to get an accurate estimate here? Also by "provider" billing I mean physician billing

They just randomly started denying chemo treatments for my dog after covering them for a period of time. Told us to contact the state with our complaint. Absolutely insane

I had to get ambulance twice between that time my job switched insurance company. Incident was in 4/2024 while I had old insurance, I just got an invoice this January. First notice, now I have new insurance and they aren’t covering it but I have one from January and my new insurance is covering. How do I go about this? I should have been got an invoice from the last year event that happens all the way in April, and just got both because I had an incident in January of the new year.

Should I get lawyers involved? In January 2025, I received a letter from my insurance company stating that my policy had been cancelled due to non-payment and that I now owe a balance. However, this was the first and only communication I received—prior to that, I had no notice that a cancellation was even being considered. Here’s what happened: In late 2024 or early 2025, it appears that one or two scheduled payments did not go through because my credit card had been temporarily locked by my bank due to a fraud alert. As soon as I became aware of the issue, I immediately made the payment manually and settled any outstanding amount. I reviewed my billing history and confirmed that no payments were missed beyond that short disruption—and everything was brought up to date right away. The insurer claims they sent me a letter stating that I needed to pay the full yearly premium in order to maintain my policy. I never received this letter. This communication would have been sent during or shortly after the Canada Post strike (November 15 to December 17, 2024), which caused widespread mail delays well into January. It’s highly likely the letter was delayed or never arrived at all. Again, the only letter I ever received was the final notice informing me of the cancellation and that I now owe a balance. By that point, I had no opportunity to take corrective action. I believe the insurer failed to adequately notify me of their intent to cancel my policy, especially considering the known disruption in mail services and the fact that I had already taken steps to correct the payment issue. This situation has now affected my insurance record and left me scrambling to secure new coverage at a higher cost. They sent it the underwriter and denied my claim what should I do?

I have received a debit card from OnePay by mail. I didn’t register for their service. It looked fishy to me, but I called their customer service, they requested my last 4 SSN and date of birth to investigate. I insisted them to check if there exist such an account without that info but no luck. I was hesitant to provide my sensitive info. The card is issued by Coastal Community Bank. Should I call the bank instead? Does anyone have similar experience? Planning to report it to FTC and local police. Have already security freeze on file for all credit bureaus for years. Have also checked ChexSystems report, but shows no activity. But this has happened. Thanks

So I canceled my health insurance with ambetter on 3/22/2025 and i got charged agian for April. I called twice and asked if there was any way that they could refund the money they stole for that one month and they of course said that they didn't charge me and that im crazy. I have the bank statement and the cancelation form. Who do I go to to report this and how do I get my money back?