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Geico - Diminished value claim in no fault accident with uninsured driver
I was rear ended last week while driving my 16-day old 2025 Subaru Outback Premium. The other driver was in a Hertz rental vehicle and his car was 'insured' with his Chase Business Ink Preferred card but that does not include liability insurance, and he does not have personal car insurance otherwise, so he does not have any insurance to cover the damage to my vehicle. He apparently lives fulltime in Israel although I think he is also a New Jersey resident. It is not clear to me how he could legally be driving a rental vehicle without liability insurance or how Hertz rented him a car without it but that is more of a side note since regardless of the circumstances he does not have liability insurance. I spoke with my insurance company, Geico, and they are directing me to go get my car fixed, to pay the deductible, and that they will confirm he is not insured and then pursue him personally through collections if needed. I am still waiting for the Geico coverage team to reach out to me since they apparently want to confirm this isn't a fraudulent claim as the vehicle and insurance are brand new so I am waiting to get the car repaired in the meantime. I did visit the Subaru mechanic earlier in the week and they thought that in addition to replacing the back bumper there is likely damage to the frame based on a visual inspection. Of course, they won't know anything for sure until they open the car up and look. They recommended that I make a claim for Diminished Value since the car is certainly worth a lot less than it was a couple days prior- I haven't even made my first payment on the $35k loan. I asked Geico about a Diminished Value claim but they told me that the claim needs to be filed against the other driver's insurance and that basically it doesn't have anything to do with them. I do have $250k of Uninsured Motorist Bodily Injury/Supplementary Uninsured Motorist but apparently that doesn't do me any good (my car and insurance are New York). I have been in contact by text message with the other driver but I'm highly skeptical that he would pay me thousands of dollars out of pocket on top of the other liability that he has since his proposal to me was that I run this all through my insurance and he sends me $500 for the deductible "to make me whole".
What are my options moving forward? Do I engage an assessor after the repairs are complete so that I have a record of the diminished value? Maybe it's better that I get a lawyer who has experience with this and can manage the court process for me since this will almost definitely go to small claims court?
Blue Cross Blue Shield - Marketplace and my insurance screwed up, and now they’re saying it’s my fault. What can I do?
This might be a doozy, but here I go. Thank you advance.
I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January.
Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace.
I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again.
I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them.
I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man.
TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful.
ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.
State Farm - Did my insurance agent screw me over?
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 ($128 per month) for me to be barely driving.
Mr. Cooper - Mortgage company said our loan is in “default”
So I reside in Minnesota, our loan company is Mr. Cooper.
We are behind a little bit February and March, but will come through before the end of the month to fully catch ourselves up again.
They sent me an email stating our loan is in default? How is that possible when it states we are barely in their words 39 days late on the payment? Can they default our loan just for that?
I’m going to be calling tomorrow to ask since we’re paying the full amount before the end of the month if it’s okay.
But I really can’t wrap my head around the fact they defaulted so quickly. Has anyone else dealt with something like this? Or specifically this company? Much appreciated for answers!
Trupanion - Trupanion Pre-existing COLDS??
I have not enrolled in Trupanion but I am interested in them because of their direct pay options.. however I was chatting with an agent and I asked about prior history of colds or ear infections and she said that would be a pre-existing condition.
She said it also depends on the record review. I asked for a contact to review my records and she said that can only be done after enrolling. I asked for a compliance department contact, and she said that isn't available for members.
Can someone give me any insight to any of these statements? I'm getting different responses when I speak with different agents.
Anthem Blue Cross - Denial of claim ?
I have medi-cal through anthem blue cross in association with LA care health plan. I have never had Medicare part B.
I had a ultrasound in october 2024 which was approved by my primary care provider.
I just got a letter today from the centers for medicare and Medicaid services, fargo ND.
It is saying that the ultrasound was not approved and i may be billed 220$
It also says i have not met my part B deductible of 240$
Again, i don't have medicare part B.
Im not experienced with these insurance issues. I dont know if medi-cal already paid this or not, it's been almost 6 months. Is this medicare preparing to bill me for services already paid by medi-cal ?
Thank you, input appreciated.
State Farm - Question about Renter's Insurance
I’m moving to a new state and currently have renters’ insurance with State Farm. I filed a claim for a theft in my building a couple of months ago, where a large amount of my personal items were stolen from what was supposed to be a secure mailroom.
Last Friday, I contacted a State Farm agent in my new state to set up a policy for my next apartment. After taking the weekend to get back to me, she said she had spoken with the underwriting department and they couldn’t write me a policy because of that claim. She specifically said I couldn’t have an active claim in the last **24–36 months**.
That doesn’t make sense to me. Why would the rule be a range instead of a clear cutoff? Is this standard insurance practice, and I’m just unfamiliar with it, or did she give me incorrect info? The vague timeline feels odd, and I’m wondering if she was just making it up or if she has the information wrong. I ended up going with a different insurance company anyway, but just wondering if she was BSing
Embrace - My Embrace monthly fee increased by 88%
I've had Embrace pet insurance for the past 5 years, and this month when my policy renewed it increased by 88.5%. I reached out to them to get an explanation, and was basically told its because of the rising cost in vet fees, and "updated data" about my dogs breed, age, health trends, etc. I have filed a handful of claims for her over the years, but she has no major health concerns or chronic conditions. Every year in the past my monthly rate has gone up, but it has always been within reason. Has anyone else experienced something like this with Embrace or another company? I am going to switch providers since they are now no longer affordable, so would appreciate any suggestions for other companies.
Location: Southern California
Dog info: 5 yr old female lab/heeler mix 50lbs
Blue Cross Blue Shield - "All inclusive" copays
I'm going to keep this as short and to the point as possible..
Before my job forced us to change insurances, my BCBS plan had an all inclusive copay, meaning when I visited my specialist(or anyone for that matter), I paid $70. That was it. I had been getting bimonthly infusions that cost just under $10,000. All covered under the $70 copay. Rad.
When we were forced to switch, we had our choice of hundreds of plans. I tried SO DAMN HARD to get insurance plans to tell me what my infusions would cost under their specific plans and got stonewalled every step of the way. I had all of my billing codes and everything. Long story short, I ended up choosing one that I believed had a similar setup to my last plan: all inclusive copay. Turns out, it is, but they are trying to bill me for the prescription used during the procedure($9,000+). I have to pay for that($300 specialty tier med) AND the copay. They couldn't explain why that is a loophole.
My infusion is a buy and bill, which means it is billed under MEDICAL, not prescription benefits. What am I missing here??
TLDR: "All inclusive copays" have loopholes apparently?
school insurance - Approved For Medicaid, Now What?
Non-working graduate student recently approved for Medicaid, but prior to this I had purchased my schools shitty student coverage.
Obviously, the coverage for Medicaid beats the school insurance. I called the school insurance and asked them if I could cancel because I want Medicaid as my primary insurance but they told me that is not possible and won't give me a pro-rated refund.
I paid $2000 at the beginning of the school year for the insurance for the whole year coverage, and I figured they would be able to refund me a portion of that since I wanted to cancel, but they seemed appalled I even asked to cancel and told me to kick rocks. It wasn't even the insurer, it was the insurance broker who told me this.
Am I stuck with school insurance as my primary and Medicaid as my secondary? I don't want to just stop using my school insurance and start using Medicaid as that would technically be insurance fraud?
Sorry if this is a strange question; I am not well-versed in this world.
Thank you for your time
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