Buddy of mine is really having issues with State Farm. After a long back and forth they came to a number of $25,750 minus the $500 deductible for a total of $25,250 for his truck. He was hit in mid February of this year. He finally received an email today saying he could accept the payout and the number was almost 10% less at $22,999.19. What in the world is going on here? What recourse does he have and has anybody experienced this? Thanks in advance

About a week ago, I was stopped in traffic when a woman rear-ended me. I won’t go into all the details, but she was a bit evasive at the scene. She did give me her insurance information, though. I only have liability coverage through my own policy, so I filed a third-party claim with hers. I called her insurance today, and they told me she hasn’t responded to their attempts to get her statement. The evidence is pretty clear - she had a license plate cover on the front of her car, and the text from it literally left an imprint, like a stamp, dead center on the rear bumper of my car. I really need my car, but my rear bumper is sagging, and I don’t think it’s safe to keep driving it like this. Based on her behavior at the scene and the fact that she’s now ghosting her insurance, I have a strong feeling she’s just going to keep evading responsibility. Given this, I’m wondering: is it okay if I pay out of pocket to fix my car now and then sue her in California small claims court to recover the cost? If so, what kind of evidence should I gather to make my case? For example, should I ask the auto body shop for a written statement detailing the damage and cost to repair? Thanks in advance.

Hi All, I'm hoping you can help me review my options and come up with a plan for a recent unexpected (and I believe inaccurate) medical bill. I get annual cleanings and other routine dental care (e.g. 1 set of x-rays a year) for free under my dental plan. I have just recently gotten off of my parent's insurance and onto my own plan so I made sure to double and triple check both on my insurance provider (Cigna)'s website and on Zocdoc that I was booking an in-network appointment. At my appointment, however, I was seen by a different dentist than the one I booked with who ended up being an out-of-network dentist. I was surprised by a $400 bill from Cigna, which should have been $0, several weeks later. A fruitless chat with a Cigna rep led to them reprocessing my claim, even though I knew it wouldn't do any good since the information submitted by the dental office showed that I was seen by the out-of-network dentist. A week ago the claim was processed and my bill went up to nearly $1000 because they say the facility is out of network. It is not, and I have a screenshot from Cigna's website showing it isn't. Anyway, I'm feeling a bit lost about how to proceed. I know about the No Surprises act but am not totally sure how I would go about using it to my advantage here -- I do have the original emails showing that I booked my appointment with a different provider than the one who saw me, but am not sure how I can communicate this to the right people. Any advice about next steps would be very much appreciated! TIA for helping me figure out how to move through this. EDIT: In my 20s, live in NY State, insured through employer.

I was involved in a car accident in Michigan, and the at-fault driver’s insurance denied my mini-tort claim because they don’t have mini tort coverage. I still have out-of-pocket repair costs ($1,000), and I want to file a small court claims case against the at-fault driver. I have the **police report**, repair estimates, and insurance denial letter as evidence. **My questions** ❓ 1. **How do I file a small court claims lawsuit in Michigan?.** 2. **What court do I file in—where the accident happened or where the driver lives?.** 3. **How do I serve the at-fault driver properly?.** 4. **What happens if they ignore the lawsuit or refuse to pay after a judgment?.** 5. **Has anyone successfully won a mini-tort case in small claims court?.** Any advice or experience would be really helpful! Thank you!

hello! i know my issue isn't major, but I need help as I am desperate to solve this. Long story short, I had medical for the longest time and never had any issues until January when I was informed (when trying to make a dentist appointment) that I had a UMR blockage. I was confused but was told to call medical and get it resolved. I called them and they said to get in touch with UMR whcihc I tried but was beyond useless as they ask for a member ID which I stated multiple time I DONT HAVE, and after somehow bypassing the answering machine UMR tells me they have no records of me ever existing and to basically die in a ditch as they just hunged up on me. I explained this to medical, and they made me fill out a form to remove "other healthcare coverage," and it should be removed (I did this twice, btw). It in fact was not as I tried to make a dentist appointment again and same thing: "UMR blockage. please take this up with medical". I called medical again, and they gave me a case ID and told me to ask UMR for a "coverage termination letter," which I tried to do, but again, they told me, "We don't know you we can't do anything" and hung up on me. I explained this to Medical, and they filled out a form (the same one I did), and it should be resolved, yet I don't know if it actually be. Also, worth to mention one of the workers I spoke to told me that the UMR policy I was under was my uncles, whom I have had no contact since like five years ago and have no connection with at this point, the alleged policy began in 2023 so I don't understand how this even happened:C when I tried to report the fraud to medical they said "you cant report it here, report it to UMR and then we could try to remove the block because until then we cannot remove an active policy by law" But UMR has been beyond useless and I'm scared because I have a cavity and I know its not serious but I am afraid it could get worse Im just trying to see if anyone was in my same situation (which is very unlikely) or if I could get any recommendations on what to do because I don't know how to proceed anymore and this just pmo. Anyways thank you to whoever read this and pls help

Do agents typically approach you? I was approached by a woman with a tablet telling me about insurance plans and claiming she was from ACA. She asked me if I wanted to apply to see if I were eligible and told me that I could cancel at any tome should I enroll in it. Turns out I was eligible for a basic plan that I pay 0 dollars for. So I am a bit skeptical about the whole thing. I have a screenshot about a confirmation on an onboard app. It has a Premier Secure number to cancel. I’m 90% my dumbass got scammed or something. I’ve done an enrollment with a Blue Cross Blue Shield insurance in a similar manner but I canceled that one because the mandatory doctor was an hour away.

Long story short, I recently got a grant for my son who has autism spectrum disorder and was able to find a provider who had social skills therapy for him. The grant will reimburse me costs 100% however they need a copy of the EOB. I found a provider who was out of network but was the only one offering this therapy in the time period I needed it. She was upfront saying that we would have to file our own claim which I have no problem with. She provided the superbill and all of the codes. Well today I logged into UHC to try to submit a mental health claim and the form is not available, then I called them and they told me that I cannot submit my own claim. I told them that my provider does not file claims but they were insistent on saying that the doctor would have to file them. Is this a common practice? I am just frustrated.

I need some opinions on what to do. This is an odd situation. In past “pay up front cash” dental visits, the dentist offices, with a week or two, returned to me the covered expense/reimbursement from Blue Cross after they submitted the claim. However, this time, I went to an oral surgeon bc I needed a molar extraction that was complicated. I paid $1800 up front on credit card no problem. I would’ve paid double that with all the pain. About a week later I saw that I was covered for ~ $500 on the claim. A check was sent to oral surgeon’s office. When I called them they told me they were processing it and to be patient. This was a couple MONTHS ago. I last called on Monday 7/21 and was literally told, “check’s in the mail”. That’s pretty funny, especially since it is now Friday night and, of course, no check. Something quite fishy about this. I wonder if Blue Cross can do something. I’m interested in thoughts on this. TIA!

I’m currently with Prgrssive insurance I star with them about 3 years ago I’m 27yo. First car insurance with them paid $700 for 6 months the following year they bumped out the price for $850+ for 6 months and this year I got $900 for 6 months. No accident zero report at all why they kept bumping my prices? I’m from New Jersey. I’m thinking of switching insurance and your recommendation or what I need to do to pay around $700 for 6 months if possible, thank you!

Hi everyone, I am posting here because I have had a very frustrating experience with my auto insurance with statefarm and am looking for some advice. I am currently a graduate student in Florida so things can be a little difficult when it comes to have to budget with this huge bill I have now. Basically I have had statefarm since August of 2024 and the first 6 months of premium was fine, I paid all my bills on time and when it came to January 2025 when my new auto premium renewed I had increased slightly my premium but the difference in my monthly payments were around the same due to the discounts I got. Then somewhere in February I found out I had been dropped from the insurance due to a balance of a surcharge for policy change that I did not pay for. They then dropped me without notifying me so I found this out a little later. Throughout the few months from February from when I found out I was dropped to July (when the 6 months premium ends), I have been trying to reinstate my auto insurance back because I feel a little anxious driving in Florida without having an insurance active. The insurance agent office was super hard to reach, I had to re-explain my situation multiple times because the person most involved with my case was never available to talk, and they always said that they are working on it and that my insurance is still active and will get back to me regarding the balance/bills which they never did. I had to keep following up and finally in June-July ish, they had my policy reinstated. But now I have this giant bill where I have to pay both the remaining balance and the new insurance premium monthly. The insurance agent told me that the remaining balance was about $380 spread over 3 months and I had paid for the first installment already so I should have 2 more months of whatever was remaining of $380. After that first payment, I decided to switch over to another insurance agent because of their lack of communication and how long they took to process things. I think this was my mistake then because after switching over, the new insurance agent said that my remaining balance was about $500 remaining still even after the first payment that I have made towards the remaining balance. Now because of this issue, I have to be paying $300 per month (remaining balance spread over a few months + current insurance premium for the month) and I feel like my previous insurance agent had screwed me over? Is my only option is to just suck it up and pay the $500 like they said? I am just very upset because they also never have apologized to me and made me feel like I was at fault as well. I tried to switch over to another insurance company but I have not been getting better rates (car insurance is ridiculously expensive in Florida) and I rarely drive (last 6 months I have only driven 2300 miles) and I have to be paying an enormous amount ($128 per month) for me to be barely driving.