First time posting on Reddit, and not sure if this is the right place to ask this question, if not I apologize, please direct me to the right place if that's the case. So I'm in LA and I have Progressive Car Insurance. Here's the situation: I got rear-ended back in February, the other driver was fully responsible for it, I went through the whole insurance claim process and got my car repaired, and because my insurance has $1500 car rental allowance during repair, they got me a rental car for about a month while my car was under repair. the car rental company was Midway Car Rental (The one my collision body shop is using.) Everything went smoothly back then and I even got my deductible on time from Progressive, I returned the rental car when my car was ready, they checked the rental car, no extra fee needed, no issue at all. Then out of no where, last week the car rental company charged me THE FULL RENTAL PRICE to my credit card I put on file (I used that for the deposit.) I called them, they said they have been asking my insurance to pay the rental fee for months and they never paid, that's why they charged my credit card. I called my claim rep, he said they paid the car rental on 7/15, which was 10+ days ago, the rep is also baffled by the unexpected charge. I checked my Progressive app and can see the $1500 rental reimbursement under my payout summary, and it did say 7/15/2025. I am not sure what's going on and what to do in this situation. Both side claimed that they're not the problem (well expected) the car rental is asking me to ask my rep for proof of payment and send to them or else "they can't do anything about it", I passed the message and all the info to my claim rep, he said he's on it but then nothing happened and he's now not available through phone somehow. Im very confused and somehow been put in the middle as a mediator?? I really need the car rental to cancel this charge on my credit card. It's an foreign credit card and I need to pay it off soon, and this expected charge is seriously messing up my payment plan this month. But it seems like both party needs to investigate or negotiate this for some time, and they're not very cooperative and helpful. Any suggestions, advice?

Due to a pipe backing up, and magically fixing itself, our house flooded. We have been out of our house since the beginning of February. We have ASI thru progressive. Our insurance adjuster said he was going to pay the company directly for mitigation, and then send us a check so we could pay the company for restoration. We have been waiting for weeks on when and how much they are going to pay us. The only time I hear from our adjuster is when I call to let him know that our hotel stay needs to be extended. I’m trying to be patient, but I’ve been trying to reach out and can’t get in touch with him and his voicemail is full. We are living in a hotel with two dogs, and a cat. Our dogs are stressed, and ill, they have been to the vet for this. One is actually there now. We are eating fast food every night, and I just REALLY want to be home. I need to know how much they are paying so I know how much to pull out of our 401k to replace the deductible and appreciation (?), and this process takes time. I have tried to view the claim online and nothing comes up when I put in the information. What do I do from here? I want to be HOME. THANKS!

Long story short. I brought my car into a NJ location while on business (I'm from Maryland) to get a pair of front driveshafts put into a 2013 Mercedes Benz GLK 250 and they didn't remove one simple little circlip that held one of them into the oil pan underneath the motor. (it's AWD). They proceeded to beat the ever living daylights out of the drivers side front driveshaft to the point that it broke the shoulder that held that circlip, and therefore the driveshaft, into the oil pan. I had to tow the car six hours home and had to have the drivetrain completely removed from the car so that the oil pan could be replaced. It was professionally done and I have all of the old parts to prove my point. The car is now fixed and, at minimum, I am out $7k. Firestone, the corporation is based out of Nashville, TN. How should I go about finding a lawyer that is based there? Or does it matter? As a matter of principle I am not letting this go.

My 1 year old, went to urgent care first and then they asked us to take her to emergency as she was having trouble breathing. We went to emergency and her oxygen level was 82%. A chest xray and couple test later she had rhinovirus and bronchitis. She was admitted by the ER doctor to the hospital. My insurance denied the claim because they need more info from doctor, from which doctor ER or the pediatrician that monitored her at the hospital I'm not sure.I have the sydney app it shows the bill for the provider and also shows the plan discount paying the full amount of that bill so my total is 0. Is that pending the doctors note? Not familiar with how plan discounts work, I have blue cross HPN.

adjuster trying to say a hail storm a week after wind storm (prior hail was photographed 3 weeks ago) would require a double deductible. is this common practice with state farm trying to get out of paying even half of what it costs for a new roof

I just started a new job and received the Empower 401k fund options below. All of these funds appear to have high expense ratios (most around 1%) and overall don’t seem to be that great. I’m considering rolling over my old 401k to this new plan or an IRA. My old plan is valued at approximately $500k invested in passive total market index funds. I’m 40 married no kids. While I won’t be able to do the backdoor Roth IRA if I rollover my old plan to an IRA, I feel like the funds available at fidelity are superior to these. I’m just looking for another opinion on this before I make any decision. Thank you! American Century One Choice In Ret ARTAX - 1.01% American Century One Choice 2025 ARWAX - 1.03% American Century One Choice 2030 ARCMX American Century One Choice 2035 ARYAX American Century One Choice 2040 ARDMX American Century One Choice 2045 AROAX American Century One Choice 2050 ARFMX American Century One Choice 2055 AREMX - 1.14% Virtus NFJ International Value AFJAX - 1.3% American Funds EuroPacific Gr R3 RERCX - 1.12% Invesco Balanced-Risk Alle R5 ABRIX - 1.08% Invesco Developing Markets Y ODVYX MassMutual Global Svc. MGFYX - 1.13% Invesco Real Estate Y IARYX - 1% MFS Utilities R3 MMUHX - 1.02% PIMCO Commodity Real Ret Strat PCRAX2 - 1.45% Columbia Small Cap Index NMSAX - .45% Franklin Small Cap Value Fund FRVLX - .97% Invesco Discovery ODIYX - .79% MassMutual Mid Cap Growth Service.. MEFYX - .86% Virtus Ceredex Mid-Cap Value Equity I SMVTX - 1.02% BlackRock Equity Dividend MSDVX - .97% MassMutual Blue Chip Growth Service.MBCYX - .85% MM S&P 500 Index Adm MIEYX - .49% Loomis Sayles Strategic Income Fund Y NEZYX - .67% MFS Government Securities R3 MFGHX - .76% Invesco International Bond OIBYX - 79% Infl-Prot and Inc (MassMutual) MIPYX - .69% Capital Preservation Account CGPJQ0

i hope this is the right subreddit for this! i just found out that my dietitian for an ed is no longer fully covered by insurance and my weekly appointments are now going to cost 90 dollars. i’m wondering if there’s a way to get insurance to continue to cover? like could i have my primary care physician or psychiatrist refer me to a dietitian? tbf i am not as aware of how insurance works as i should be so i have no idea if its even a possibility. edit for clarity: my insurance has not changed. i live in michigan and use blue cross blue shield. i was unaware that they will only fully cover a certain number of appointments and i have reached that number.

Hey all, I’ve been having issues with my insurance trying to approve a surgery. My surgeon submitted a prior authorization and they denied it. They resubmitted it with a different diagnosis to meet the criteria. They usually take 5-10 business days. But within 48 hours I checked my UHC account and it said “cancelled”. What does it mean when it’s been “cancelled” and not actually denied? I have United Healthcare through my mom’s work. Thanks!

In May, I rearended another vehicle. My fault, I'm a dumbass. The damage was to my left front bumper, which was pushed back into the tire, the left front fender, and left headlamp. At the scene, the truck was not drivable due to the bumper being pushed into the tire, so I called a tow truck. The tow driver showed up and offered that rather than towing, he could hook his winch to the front bumper and pull it out to make the truck drivable again. I was good with that plan and it saved money for the insurance company on the tow bill. A couple days later, I take the truck to the insurance company's DRP shop. I told them all of the above. A couple weeks go by, I go to pick the truck up. They fixed everything EXCEPT the left fender, saying that the damage was unrelated due to a "soft impact". No one from the insurance company ever called to discuss. In reality, the fender looked dented in from partial reformation when the bumper was winched out. But again, no one ever called for the partial denial of damages and just left it to the body shop to tell me. So I filed a DOI complaint citing the lack of investigation by the adjuster. The DOI rep never called me but closed the case, stating that the insurance company did nothing wrong. The DOI letter cited the appraisal clause in the policy, however, at this point I'm more angry about the lack of communication and investigation by the adjuster as it was very shoddy and incomplete work. I also don't think hiring an appraiser would be particularly effective in arguing related damages (but maybe I'm wrong?). I don't think I'm able to sue over damages due to the appraisa clause in the policy but would prefer to sue for bad faith. Or maybe I should just walk away and pay to have my fender repaired? Anyone have experience here or ideas on what I should do?

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!