Hi all, I sold my business last year because it was not a profitable venture. The llc is closed and any remaining money was used to pay off equipment debts. The insurance company says I owe $10k in workers comp insurance for the previous year which they now have sent to a collections company. The business is closed and the llc is dissolved. Can they come after me personally for something like this?

Friend was in a MVA where she was going straight, CV was coming down driveway. CV did not stop, was given citation for reckless driving. She was injured, sought normal treatment. Ambulance/ER/PT/some testing. She had wage loss. VA is the state. Allstate found their insured 100% AF. Zoom forward over a year, 7 months out from SOL in VA. Demand got sent. 1 month after demand sent, Allstate changes liab states 'obtained data' speeding at 12.8 mph over limit on our side. That REALLY is not adding up for this road. There were no skid marks and she slowed down and moved into the other lane trying to avoid but the guy never looked... The PR shows she was doing the speed limit, however, the officer did not arrive or witness any speed. The other guy admitted it was his fault on the scene, but by the time he was being given the citation his fam was there insisting she was speeding(they didn't even see the accident... would be biased anyways). I find it mighty fishy it would take this long for any process to be started on an EDR and I work in insurance, I've never even seen a claim where EDR was pulled on a personal auto. I don't know how they obtained any data bc at this late in the claim I think chain of custody would be an issue and also the extraction method. I'm not sure where that vehicle has been bc it was a TL. Since VA is pure contributory, now with the reversal it's heading to our insurance, which is fine, we had the coverages. The issue lies with the pure contributory. If our insurance also finds the same, they could deny as well is my understanding. I doubt they will, but it's still quite concerning. How is this not a bad faith claim? Doesn't the VA statute say they would have to get permission to access that type of data? Don't they have to be forthcoming on how they obtained that data? This is a very weird situation and could end up costing a lot of money if both ins companies end up denying liab. Allstate already paid for the TL a long time ago. My understanding is even if the title was signed over, the VA statute states they can't access without request since they are an insurer and not using the vehicle for daily routine use. I'm not 100% they pulled EDR, but I can't figure out anything else that makes sense with that verbiage they are delivering. Any ideas?

I have a BCBS of Illinois community health plan, and I've been looking to find a dermatologist that's in network and when I go on the website look under the "in network" tab, everyone I call says they do not accept my insurence. This isn't the first time I've dealt with this either... Even when I call and get a list from that it's the same story. Am I doing something wrong? By the sounds of it a lot of the offices I call make it seem like they asked to be removed from these lists and never were.

Has anyone done the PTIT program recently? I got a citation for suspended registration in January and my court date is next week. Today I got a post card in the mail saying my case might be eligible for PTIT. This is my first ticket/citation ever in life so I’m just not sure what to do. My registration was suspended at the fault of my insurance company. In October 2024 I switched from Progressive to Geico and Geico never reported my new insurance to the state so I was unaware I had been driving with suspended registration since about October 2024. I have since called my insurance company to have them report it and make everything right. My registration has been restored and fees waived. The officer told me on site that if I just call and have them do this I wouldn’t have to appear. I called the court today and they told me I still had to come despite what the officer told me on the stop. Should I consider PTIT? I think this may be a program only in Atlanta, but I’m not sure. Should I see a judge and provide my documents and hope they throw it out? I just don’t want any points on my license or charges against me so I’m not sure what to do. With PTIT do I pay same day I go to court? How does all this work

In my naïve early 20s (single and no kids) I bought into a NWM adjustable CompLife policy. Then expanded coverage a few years later at the advise of my “advisor”. I haven’t thought much about it until now, when my new husband and I were looking at our cash flow. I’m now feeling that I need to stop my donations to NWM and be smarter with my investments. I’m not maxing out other retirement options (ROTH, 401), and I feel that would better serve our future. Here’s what I’ve got going on: CompLife policy #1 Started: 09/2016 Annualized premium: $1242.72 (Monthly premium: $103.5) Payments since sept 2016: $102 Total paid: $10,557 Net accumulated value: $7,244 CompLife policy #2 Started: 06/2019 Annualized premium: $1799.40 (Monthly premium: 149.95) Payments since June 2019: 69 Total paid: $10,346 Net accumulated value: $7,068 Total benefit: $500,000 Should I cash this out? Roll it into something else? I don’t feel like NWM has my best interests at heart and I don’t want to be throwing money at an inefficient scheme. TIA

What am I missing here? It looks like Anthem BCBS is acknowledging my provider is in-network and then processing it as out-of-network. * Provider has been processed as in-network for visits both before and after the visit in question, always with a $30 copay and no balance. This was another routine, non-emergency visit with the exact same provider. * EOB clearly says in big bold print that "Going to this doctor uses in-network benefits" and elsewhere has the words "(in your plan)" after the provider's name. * EOB shows no copay, a portion applied to my deductible, and a balance in the "Your total cost" column. * EOB gives a reason code: "015: The amount shown here is more than your plan allows for this care. If this was not an emergency, the doctor/facility might bill you for the difference between what your plan allowed and what the doctor/facility charged." How is this possible for an in-network provider? It seems this EOB is just contradictory on its face. I've been trying to get them to fix it, but haven't had any success yet. Any advice?

Location: North Carolina Ill glve you guys the short story. Was in wreck back in November. Not my fault and my car was totaled. Called the other parties insurance, they gave a story that the other person didnt have insurance since August. Went to my insurance to file the claim and my insurance was lapsed due to failure to pay. I was behine 2 months. So they dont want to fix my car. I still owe 20k on my car. Anything that i could do besides let my credit take a hit?

I got a cat in November and enrolled her under Spot, starting a plan at $17.87 / month. I took her to the vet in December to check why this otherwise healthy cat had no interest in chewing food, and they said they said she had a bad case of FORL and they recommended removing the impacted teeth, which were most likely causing her pain. I submitted two claims to Spot, one for the first visit in December and one for the expensive teeth removal surgery in February. For both, I only attached the vet invoices which included the vet medical notes. Initially, both claims were rejected for lack of inclusive information about my cat's health, meaning the SOAP notes. I ended up finding and submitting the form that was given to me from the shelter when I got her, which only contained her vaccinations, record of spaying and a mention of medicine for diarrhea. I explained to Spot that was all I had, and no one knew anything about my cat's health in her life prior to the shelter. Just a few days later, I got notified that they had approved both claims reimbursing me $21 out of the $78 visit and $288 out of the $697 surgery. **That means that my total annual billing for the insurance is $214 ($17.87 x 12) and by March alone I have already been reimbursed $309. I'll take it.** https://preview.redd.it/si7w4q5tcipe1.jpg?width=887&format=pjpg&auto=webp&s=2b08b2273dc1ac812143cbdbe683b8f30d65722d

I adopted my kitten in 2018, which is when I also signed up for Healthy Paws. The monthly premiums started at $24.57 and went up reasonably every year so it's now $43.17, but I just got a notice that premiums are doubling to $86.60 in 2 months. I see there are many reports of insane increases, esp. in CA where I am, so I don't know if that's why or if it's bc she hit 7 years, but I thought I'd check - is $86 reasonable for her age? The policy has been 90% w/$250 deductible. She's been pretty healthy w/only annual check-ups, so I was thinking I could change to 80% w/$500 to make it more reasonable.