Location: Wa State, USA Last month I went to the ER, while they there asked about billing insurance and I told them to use my state provided insurance which they had on file. Apparently they charged insurance from a provider from my old job which i haven’t worked at since December of last year. I never signed up for health insurance from my old employer. I did have dental through them at one point but that was it. Today i get a bill from United Healthcare that states i owe them $4300 from my hospital visit when I shouldn’t even have their insurance in the first place. I’m not sure where to start to get this resolved. My old employer? Hospital? Lawyer? I’m not even sure if this is the right sub for this but I’m just angry and confused so any help would be appreciated.

So we now know one of two things - either snapshot is designed poorly or FSD brakes too hard in a model 3. I don’t use anything except FSD and the best I’ve been able to score is 4 out of 5 stars all because of what it thinks is hard breaking - apparently snapshot isn’t designed for autonomous driving. PGR , time to wake up!

I was stopped at a traffic signal when another car coming from the opposite direction had his tire come of and hit my car. His insurance is declining to pay saying that it should be covered by my insurance comprehensive coverage. His insurance is liberty and mine is progressive. Just does not sound fair to me. Total damages of 5 k. I do have a 500 comprehensive coverage, its the principle of things. How do I go about it? UPDATE I had the other party call the insurance. The insurance just called and accepted it was their fault and promises to cover everything. They asked to go ahead and book an appointment with the body shop, which I just did for next week. Justice was served , thanks largely to the other driver being honest and standing for it. god bless America. Its about 20 days work and probably will be able to work out a rental car too in the mean time.

Just got a letter from Erie Insurance a few weeks ago that my broker was dropping Erie and I need to find new insurance. I have a damaged chimney that I was planning on having an adjuster out to investigate to see if it was covered or not. I noticed the damage months ago, but decided to get quotes from brick masons before calling my agent. It took a very long time to even get anyone who would show up to quote it for me. Was told that it was structural and the chimney needed to be demoed down to the roof line and rebuilt, adding some new lintel. Quote was $7,500. I called my insurance agent and left messages on a few occasions. There does seem to be water damage under the roof, but I think it’s on old repair from where I had the chimney flashing and sheeting replaced around the base of the chimney at the roof years ago. So a few weeks ago, I get a letter stating that my policy was not renewing. I just talked to my broker and mentioned the potential claim (probably stupid move on my part) and what to do. After some questions, it looks like if I start a claim with Erie, it will show up on reports the new company can see and will have an open claim without a disposition. I could just jump ship altogether and get a new policy and hope they don’t do an inspection and find the chimney damage. I obviously need to get this fixed, and I will, but the timing of all this is terrible. If I can’t get a new policy because there is existing damage, there will be a lapse in coverage which could also screw me. Anyone got any advice? I’m thinking of just rolling the dice with a new claim and hope for no inspection, get the chimney fixed out of pocket and move on with my life. My dad recently switched from Erie to Farmer’s and they didn’t require any inspection that I’m aware of.

My dog (cocker) is just over 2 years old, I was with Waggle before but they just keep increasing the price each year and I have never needed them for anything. No claim, no nothing & the only vet she ever needed I paid out of pocket. So decided to cancel and look at other options. I doubt I'll get lucky but is any insurance like an NHS service where I can just pay a monthly fee then everything is covered? Like how us as a human went into a hospital and It's free as we pay for it monthly I spoke to my vet who said insurance works like reimbursement where I would have to outright pay example £10,000 then claim it back from my insurance but I don't have £10,000 just sitting in my bank so how would it work otherwise? (first time doggo owner so sorry if these seem stupid asking)

Just like it sounds. I was involved in an accident a month ago. Other person was declared fault. My insurance is handling it well. Unfort, every time the at fault persons insurance calls me and leaves a message, it’s a different adjustor? I’m curious to why that is. I only have 2 from my own insurance calling me, the regular adjustor and the person above him just in case we have more questions or he can’t answer a question himself. I just think it’s wierd that the other insurance company has tons of adjusters and it is annoying. Don’t know how they don’t miscommunication with one another. I honestly tell the other place to talk with my adjustor.

During december this year, I had to go to the ER for a kidney infection while visiting family in Wisconsin. I'm in California and have had LA Care since I turned 26 and was kicked off my mother's insurance (Blue Cross/ Blue Shield Missisippi) I'm 28 now. LA Care is now saying that they were never my primary insurance, and that BCBS is my primary, so the responsibility of the bill falls onto them and me. I had a surgery 2 years ago that was covered by LA Care. I have contacted BCBS to ensure that my insurance is not still active with them, and it isn't. I three-wayd a phone call with representatives from both LA Care and BCBS to make sure the issue resolved. Ive been calling LA Care since early this year to have them remove BCBS as my primary since I no longer have it, but as of yesterday, they still haven't removed it, and are still listed as my secondary insurance. The hospital in Wisconsin and billing me over 6k. I can't afford that, and was under the impression I'd not be billed since a kidney infection is classified as an emergency under LA Care's policy. I don't know what to do. I'd appreciate any insight on this situation, LA Care is being incredibly unhelpful, and refuses to even let me submit an appeal. LA Care also covered a surgery I had 2 years ago. I was never aware they weren't my primary insurance.

So Lemonade had me take some house photographs and asked some questions as we’re approaching the first renewal of our home insurance. Separately, we had some hail storms and our roof got beat up. I had a roofer take a look and he said the roof is a bit old (the pictures he took supported that) and it has impact damage. Well as I’m researching my options, Lemonade says they are dropping us because we have a tree that is close to the house, it’s a small one, and our sewer line is cast iron under the house. Since the hail damage occurred under the Lemonade insurance, is it worth trying to file a claim before they drop me? Will it make it harder for me to find insurance? I imagine a damaged roof is harder to insure than a new one but I’m not sure

I am currently in the process of considering switching from PetsBest pet insurance. I currently have my 1 year old Jack Russell insured through them. He’s (thankfully) been quite healthy however, I have had experience in submitting claims through them with a 10-12 week old mixed breed puppy that I rescued (legitimately off the street). Poor Wren had multiple congenital defects with her heart and I ended up having to have her euthanized on emergency after a seizure. I submitted 2 claims - 1 for her initial visit with a cardiologist for diagnosis and the second, the emergency seizure visit. Both claims were denied due to “pre-existing condition” - which I struggle to understand considering she was not diagnosed until the visit with the cardiologist and was insured prior to diagnosis. My experience with their customer service representative the day after having to put Wren down was…lacking. I called to inquire whether or not I needed to leave her policy open until the claims were completed and was (very bluntly) told that “Because the patient is dead, the policy needs to be cancelled”. Fine. I made no complaints, I didn’t call to argue with their ruling re: pre-existing condition. And I would spend the money again and again because I truly loved my animals. I’ve let it be as the coverage is affordable and my hope was that since Norman (my Jack Russell) is healthy and has been to the vet consistently through his life, if I ever did need to submit a claim I would not experience the same outcome. Here I am, a little over a month later - my family all threw in on getting me a Black Lab puppy (Teva). Last night I looked into the cost of adding her to my existing PetsBest plan with Norman. She is more than double the cost to insure. Hear me out, I work in vet med (on the equine side but I am not lost on the workings of the small animal side) - I know Labs present higher risk (especially when it comes to foreign bodies and hips). I get it, but more than double?? After my already lacking experience? Uugghhh. All of this to ask the question - who do you recommend? In my research I am finding the price to be fairly similar across companies *BUT* with more coverage - ex: Spot seems to have fairly extensive coverage for the same price. I’m interested in opinions on all but have specifically looked at Spot, Lemonade and Fetch. Included are pictures of Norman, Wren and Teva as payment for your advice!

It’s a long story but I’ll try to shorten it. I’m not 100% sure how insurance works. My car is under my name but my insurance is shared with my parents. My parents have a few other family members included (me, one sister that is 25, an uncle, an aunt). But my Toyota Corolla 2017 is under my name, automatic payments under my own bank account, etc. I guess my parents own the whole insurance policy but the car is under my name. My bill in December 2024 was raised to $400 (NOT full coverage) They won’t give a clear answer as to why they raised my bill so high. But I let it slide. I saw it as a consequence to our current economy. In february they charged me $825. No clear answer. They gave me unreasonable excuses such as being under 25 (I’m 28), or someone else under the policy is under 25 (no one is under 25). Someone that USED to be on it was under 25 but they got their own insurance under a different company over a year ago. But they used that person as an excuse either way. We even sent proof that they are no longer with State Farm and for how long but that wasn’t enough. We dispute it. They compromised and said I won’t have to pay my “$400 bill” for March. Technically half of $824 isn’t $400 so in the end they won an extra $25 from me. Today they told me I still owe $200 this month and $200 next month. That they’re splitting the $425 between March and April. PLUS they randomly began charging my 25 yr old sister an extra $26 AND used the name of the person who was under 25 on that bill (again, that person has not been with us or state farm for over a year). Does anyone have any idea what’s going on? We’ve never been late on payments, we paid off our cars, we never fight them when they raise our bill (except for this time because $825 a month is excessive). My last accident was in 2022, it was not my fault, I never filed a claim or asked for money to fix my car, I asked for info about my options 2 years after the fact (in 2024) but it was too late to do anything about it anyway. I’m planning to cancel my policy with State Farm but I’m still curious about what is happening here.