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insurance company - Totaled car market value - does this adjustment of value seem fair?
I have a 2012 Prius V that was totaled in an accident. It has 40k miles on it (I got it from an eldery couple who almost never drove it). The insurance company came back with 3 comparison vehicles, all were same year/make but all have 90-100k miles. They are saying that the "adjustment" of value for the mileage difference is only $1500... Does that seem right?
OneMain - Paying off Debt: Personal Loan Payoff Question
My husband and I are working through paying off our debt. I have a personal loan through OneMain we are wanting to pay off ASAP
I got a payoff last week good through tomorrow, but then on Monday I called in and canceled the optional product of Credit Insurance and Disability Insurance. The issue is, the cancelation of those products applied to the overall balance that includes pre-calculated interest, but it did not come off of the payoff amount.
I called customer service and they said the payoff amount is basically already assuming the cancelation of those optional products. Does that sound right?
Allstate - Car Value Dispute
I was in a car accident about a week ago. Allstate (the other drivers insurance company) accepted full liability for the accident, so I am filing my claim through them.
Long story short I have a 2007 Lexus ES 350 with 67,000 miles and they are talking about totaling my vehicle over $3,000 in damages.
I live in Florida, so I believe there is a 70% rule, but this would put the value of my vehicle at about $4,300 dollars. It’s Kelly blue book is approximately $8,100.
I get the final word tomorrow, but say they total the vehicle and attempt to pay me $4,300 dollars. What are my options? Should I just lawyer up immediately? Is this type of thing that I even take to court?
Thank you for all of your help in advance!
Pacific Source - Math snafu = lost my Marketplace insurance. HELP!
Back story:
I have purchased health insurance via the Marketplace (I'm in OR) for the past 4 years, same company, same plan. Expensive but I use a LOT of health care. This year the increase was substantial - $990/mo just for me -gulp-
I knew there was a 90-day grace period to pay for the marketplace plans, and I (out of need, not playing games) basically went as long as I could without paying because it's sooooo expensive to afford and I am currently in a "borrow from Peter to pay Paul" situation.
I *thought* I paid in full by the end of March - I had a major surgery April 7 that had been prior-authorized, etc. Then when a friend went to pick up my post-op medications the pharmacist told her my plan had been cancelled.
Finally managed to get through to the insurance company and lo and behold, I was exactly $117 short of what I needed to pay for the full three months. So not only did they drop me before my surgery, but are actually dropping me retroactively to 1/31/25 and sending me my money back.
Despite much pleading on the phone to the insurance company (Pacific Source), they are telling me that because I purchased it on the marketplace they can't do anything at all to help me. Marketplace says they have no idea how they could help.
a) it's only $117 short out of >$2000 of premiums and b) we're talking 10 days past the due date, not like 30+.
Does ANYONE have any ideas here??? Not only do I need to have this VERY EXPENSIVE surgery covered (it's going to be well over $50k), but I will need follow up care for the surgery as well as all of my health care needs this year (ie I take a biologic that costs $8k/mo).
I'm literally panicking here....and no idea where to go for help or what to do.
Any ideas????
Freedom Mortgage - Freedom Mortgage holding money hostage
So a few years ago Freedom Mortgage bought my Mortgage from Veterans United. I qualified for a VA rate adjustment at some point down the road and they were very helpful to set up a payment system where I am paying money every two weeks shaving years off the amortization schedule. The problem arose when we had water damage to my house during a storm. After getting the insurance figured out, there was mold involved which made things tricky, I had a large check which was going to be used to pay the final contractors to put the house back together.
The check was sent to me, I signed it and sent it to Freedom because it was large enough to require the involvement of the mortgage company. The problem arose when they kept moving the goalposts and demanding more paperwork, more inspections, and more reports. After nearly two months of providing them with everything they finally cut a check, for less than the originally cited amount. I was told the amount was less because they withheld money which had already been paid. They said if I wanted more money I could either give them an itemized list, down to the nails, of every penny I am asking for or get an inspection at my expense to confirm the work hasn't started.
Freedom is holding my money hostage and making every step of this process impossible. I cannot stress enough to get as far away from this company as possible. The only reason I am still with them is my 2.25% APR. The scariest part is their inability to tell me what they are going to do with the extra money once we are done.
USPS - Dispute cars value
Is there a way to dispute your cars value ? Insurance gave me a value of $12,000(I think that’s HIGH) for my 17’ Chevy Cruze with close to 180,000 miles on it + body damage . I was hit by usps and the damage is roughly $6,000-6,500 so we tried to get usps to pay for the damage but they won’t exceed $5,400 because my cars not worth more than that to them (which I agree) I’ve personally been saying since I got the repair estimate costs that it’s totaled. Kellybluebook value is about $5,300, a car dealership gave me $6,000 for the value so HOW is insurance $6,000 more than the 3 of those values. If usps won’t even give me the amount of damage shouldn’t my Isnurance reconsider their value ?
Trupanion - Just got a denial from Trupenion and wondering if I should just cancel
The claim was for dental surgery
(periodontal disease). The reason it was denied is that the cat had no previous medical records showing his dental condition. They also said that no single exam is going to be enough to establish he didn't have previous dental problems, they need to see a record of his health over time.
I do realise that dental is a separate category as far as most insurence companies are concerned, but I also wonder if they won't use the same reasoning in future claims. How can I prove something wasn't a preexisting condition if I don't have records?
Some background: My cat who is now 8 year old, grew up as a partly feral street cat in a non western country. Yearly vet visits for cats are not common practice there, and with him being the kind of cat that requires sedatives in order to get in a carrier, he ended up visiting a clinic even less than the average cat.
In short he has barely any medical records from before arriving in Canada last year.
I was actually a little surprised to see that I could even get insurance for a cat his age, but now I'm starting to suspect that they're just fine with taking my money but will never approve a claim.
TLDR: Should I cancel an 8 year old cats insurence if he doesn't have any previous medical records?
TIAA - Options for moving money from a retirement plan
My employer is putting our retirement funds (and a very nice match) into a TIAA Group Retirement Annuity account. I really don't want my money in an annuity, but there are no other options through their retirement plan, and the match is too good to pass up. Barring a major incident, I will likely work for them until I retire, and I don't anticipate taking the annuity upon retirement because it won't be enough to live on. Moving money out of a GRA takes 10 years, and I don't think I can start that process until I leave the company, leaving me in a potentially bad spot for up to 10 years after I retire.
Does anyone know if I have an option I'm not seeing? I am putting money into an IRA as well, but not nearly as much, and I anticipate the bulk of my retirement savings will be tied up in this idiotic GRA.
Embrace - Potential cancer diagnosis with Embrace
My almost 6 year old German Shepherd most likely has bone cancer. I’m very impressed by how Embrace has covered us following an almost $6,000 two night emergency vet visit. We have follow up appointments scheduled to get clear answers and treatment options and I was thinking I was grateful that our policy renews in December because I’m almost at my yearly max already. But a coworker pointed out that it’s very possible they might drop us when it’s time to renew our policy. Has anyone experienced this with Embrace?? I’d like to be mentally prepared if I’m going to have to go out of pocket starting in December.
*pic of me and my best friend for tax
Pets Best - Just got Pets Best insurance for my 8-week Aussie! Anyone else do a vet checkup to avoid “pre-existing condition” issues?
Hey everyone! I just got an 8-week-old Australian Shepherd and signed him up for a policy with Pets Best. After reading through the contract, I noticed they have a clause that says even undocumented or undiagnosed conditions can be considered “pre-existing” if the pet showed any signs or symptoms before the policy start date or during the waiting period.
Now I’m kinda paranoid and want to protect myself in case they try to deny anything later and try to blame it on that clause. I’ve read stuff online about insurances doing that.
Has anyone else done a routine vet checkup right after enrolling, just to have something on file that says the pup was healthy at the start of the policy? Did it help? I’m thinking of doing one this week just for that reason.
Would love to hear what others did — or if anyone’s dealt with a similar denial. Trying to play it smart before something pops up!
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