I got diagnosed with sleep apnea and I was delaying my treatment because I found out that its very expensive. After a few months, the cpap company based in Houston, TX reached out again that my deductible has been met and I just owe 171$ and then insurance will take the charges. After I started my sleep apnea treatment, I got the call again from the medical company that they made a mistake on their end and the benefit information was not correct. So now, they are asking me to pay 45$ for supplies and 65$ for cpap rental every month till the payments are complete. I am just a loss of what the hell is this! I get screwed up and left with more charges for a treatment which was quoted wrongly to me. I called Blue Cross Blue Shield OF TX and they said they cannot help me. My current insurance is ending in one month and I am changing insurance from next month. So, it doesn’t make sense why pay deductible towards an insurance which will not be there in 30 days. What are my rights?

Like home and car insurance in California, looks like Umbrella premiums have gone through roof. Is that true for others in Cali? I'm with State Farm. $2M umbrella was a few hundred dollars last year; renewing now at $2400/year (no claims, no accidents, no lawsuits). 3 cars; 3 drivers. Own home. No pets, not much liability. Anyone else got this sort of increase year over year?

Hey, Reddit - hoping someone can help me with a direction to take regarding my issue. Location: Houston, Texas Back in early 2023, I found out via an alert from my bank that my credit score worsened because a lender has been trying to reach me. I panicked because 1. I have thankfully never needed any loans and 2. I normally have a great credit score. I did some investigating and found out that apparently, an education loan had been opened in my name only about six months prior in a completely different state (Albuquerque, New Mexico). I live in Houston, Texas and the loan was opened for a community college in Albuquerque. For backstory, I graduated from college over 10 years ago and I’m thankful to say that I never needed any loans to get through any of my schooling. I did everything I could to fight this loan over the last two years since discovering it. I reached out to the lender (Mohela) and explained my situation in detail, filled out a large packet that they requested to dispute the loan and prove my identity with several various supplemental documents in my possession to help support my case. This was mailed to them ASAP and is STILL under review 2 years later. I filed a police report with my local police station and they even spoke to the Albuquerque police department to warn them of the identity theft and to give them the local Albuquerque home address that was wrongly associated with my name. I corrected all incorrect contact information associated with the loan and with all three credit reporting bureaus, and immediately froze my credit across all three. I flagged any mention of the loan across all three credit bureaus as fraud and to dispute it. I have provided all three credit bureaus with supporting documentation to prove my identity along with the police report. I even called the community college in Albuquerque and spoke to several people there, asked them to close the promissory note for the loan since it was due to identity theft. I sent them my police report as well. I filed a report on [identitytheft.gov](http://identitytheft.gov/). I have called the lender every few months, have to explain my situation all over again to whatever agent I get connected with, why I won’t be making payments on this loan, and continue to ask for a forbearance on my account while my case continues to be reviewed and hopefully dismissed in the near future. Despite all of this, even two years later, the loan still appears on my credit reports because it is still being reviewed and has not yet been dismissed. I am at my wits end and am now thinking I need to hire a lawyer to help me fight this, but I have no idea what type of lawyer and how to even find someone who can help me. I also have no idea how much it would cost. If anyone can offer any advice on the best direction I can take, I would greatly appreciate it.

Location: Oklahoma I need some advice and around march I had a bad wreck and totaled my vehicle . I still owe money on my vehicle loan that I don’t have right now, and my insurance company is stating that I need to pay off the loan or give them my vehicle back. The body shop said I did roughly $9000 in damages. But I had 2 different mechanic friends say that they can fix it for $1000 to $2500 max. My plan was buy the vehicle back and get it fixed for around what my friends told me. My insurance company is telling me that I need to pay the loan off or give vehicle back to them before they do anything. I would really like to keep the vehicle and fix it. It seems shady that it would have to go to an impound. What do I do? I have the vehicle at my home right now and I don’t have the funds to pay to have it towed an hour away or an hour back.

My car was hit by someone who took responsibility for the accident. We went through their insurance company and took the car to the repair shop they recommended. While at the shop, they doubled the estimate of the repair work leaving the car disassembled, as the insurance company wanted to declare it a total loss. I told the insurance company to work out the financial settlement with the finance company, as the loan was still larger than the value. The finance company sent the insurance company a letter of guarantee and I signed the DNV documents transferring ownership to the insurance company. The insurance company then deducted the salvage cost from the settlement and said they would tow the vehicle to my home. This is not a vehicle I want or agreed to retain, as the vehicle is not currently drivable, and the effort to make it so is not in my best financial interest. They are attempting to force the vehicle back into my possession. Is there anything I can do to prevent them from forcing me to retain possession of the vehicle, given they have the signed documents necessary to transfer ownership once the lien is paid? This is CA and the insurance company is AAA. 

After months of insurance I finally needed to go to the vet. Submitted a claim. They wont reimburse anything saying its all pre existing but it never happened before! Beware!

Alright here's whats going on Been licensed since 2021 Got into first accident (at fault) in november of 2022 Got into accident last month (feburary 2025) Before the 2025 accident I was with Wawanesa and was paying I believe $350 a month for insurance but they just dropped me. Things are generally close by so I was planning on just lasting out on a Non-owner's policy until insurance becomes affordable (I'm guessing nov/dec since the 2022 accident will be 3 years old then) but I'm curious if anyone has any other suggestions. I looked in to pay-per-mile insurance but it doesn't seem like there is anyone offering it here in California. Any help is appreciated.

Can anyone give me an idea of what to do? Allstate misrepresented how many sq feet our house is. My spouse (who does most of the bills etc) did not notice this for literally years, and made a phone call as soon as they did. It's a difference of about a thousand dollars a year. Allstate readjusted the sq footage. They gave us one year's overpayment back, and basically told us too bad about the rest, and there's nothing they can do about it. Well of course there is something they can do about it, they just chose not to. They gave us a year back. We got our next bill in the mail last week, and they had put the wrong sq footage on it again! Needless to say this is super aggravating. Their refusal to do anything is really absurd. They stole from us and don't care at all. You know how it is...every person we talk to just sends us to someone else. Is there anything I can do? Any advice would be so appreciated.

I am 24, and I got my license at 19. In the past 3 years I have had 3 accidents, 2 of which the car was totaled/not worth repairing. We have Geico, and to renew the plan with me on it they’re charging is about 8k per 6 months, or about 1300 a month. When my dad tried to shop around, the only other company willing to take us on with myself as a driver was Progressive, and when all the details were filled out they wanted to charge us even more. Since I am a member of the household with a license, I have to be on any car insurance plan he gets. We have two other cars, so selling my car wouldn’t impact my dad. I was thinking that after selling my car, I could use the money to pay for ride-sharing. Also: if I turn in my license now and try to renew it next year, will the premiums go down or stay the same?

Hey friends, I got rear-ended while waiting for the highway exit. It is pretty clear the other party is liable. The other car was a Nissan car and is insured by this Infinity Selected Insurance Company. The insurance company acknowledged the liability, looked at the photos of my damage, and just sent me a check. But they also said I can reach out to any bodyshop for repair. I did, and the bodyshop found more damage inside and the repair fee is a lot higher. What to do next then? The bodyshop said they will send the inspection report and photos to the insurance for an increase amount. I also think the bodyshop might be exaggerating a bit regarding their quote. Is this normal practice? What should I do to make sure the insurance don't deny the claim. It's a brand new 2025 car so I don't want to pocket the money. I just want the car to be repaired properly. Any suggestion is highly appreciated. Thanks a lot. \-- Alex PS: I live in Bay Area, CA.