Someone hit my car. Air bags went off on one side and bumper poked the radiator. Bumper and hood are crumpled but it doesnt look like anything else is damaged. No broken glass, and I can see under the hood and everything else is fine. Its a 2019 but good mileage and was in perfect condition prior. Filed insurance claim. It was the other personsfaultbut of course they didnt have insurance. Realistically what is the outcome? Weve had progressive for years. No claims for atleast 5 years. Edit: sorry 2019 Jeep Cherokee

I made my first claim through Figo and wanted to describe the process for those that might find it helpful. **Overall Thoughts** Overall, I was pleased with my Figo experience and intend to renew my policy. Figo covered approximately what I expected it to cover based on my understanding of the policy document. I submitted three claims in total, one for each of the invoices I received from my vet. My claims were processed and paid in less than 1 week. The process of submitting my claims was straightforward and involved uploading invoices to the PetCloud mobile app. I was slightly surprised by the fact that out of pocket expenses reduced my deductible only up to my policy's reimbursement rate. For example, the first $100 in covered costs reduced my deductible by $90. This is different from my experience with human health insurance where 100% of out of pocket expenses count towards to the deductible, regardless of what your coinsurance rate is. **Policy** I pay a $477 annual premium with the Costco discount. My deductible is $1,500 with a 90% reimbursement rate and unlimited annual coverage. My dog is 3 years old and unspayed. The policy includes rehabilitation but not Vet Exam Fees, Extra Care Pack and Wellness - Plus. My policy has been active for just under 2 years. **Illness** My dog had bloody diarrhea, loss of appetite and lethargy on and off over the course of 2 weeks. Total treatment costs, including vet prescribed food totaled $2,540.35 of which Figo covered $317.82. The cause of her illness was never identified. **First vet visit** At my dog's initial vet visit, our vet did an exam ($130), prescribed my dog Metronidazole ($26) and tested my dog's stool for parasites ($86). Our vet also prescribed Trazodone ($20) to help with my dog's anxiety at subsequent vet visits. The Figo policy covered the Metronidazole and the Trazodone, but not the vet exam or the parasite test. I was slightly surprised that parasite test was not covered. The denial reason was "Costs or fees for treatments or preventative treatments for parasites or conditions related to parasites unless there is no preventive medication for the parasite..." Total charges: $262.10 Covered by policy: $46.10 Remaining deductible: $1,500 - (.9 \* 46.1) = $1,458.51 **Second vet visit** At my dog's second vet visit, our vet did another exam ($130), ordered blood work ($570) and recommended that my dog be hospitalized overnight for IV fluids and observation ($1,388). The vet also prescribed a 5 day course of Metronidazole ($20) and Pepcid ($20). Again, Figo did not cover the vet exam, but did cover everything else, save a $24 "medical waste" charge that was part of the hospital stay. Total charges: $2,128 Covered by policy: $1,973.70 Remaining deductible: $0 Paid by Figo: Covered costs - Remaining deductible = (.9 \* $1,973.70) - $1,458.51 = $317.82 **Prescription Food** The vet prescribed specialized GI food for my dog to eat after her release from the hospital ($150). I did not expect for Figo to cover this expense, as the policy document states that food is not covered. I submitted the claim anyway, on the off chance that it might be considered treatment for her illness. Figo denied the claim with the reason reason: "The policy does not provide coverage for food unless included in the Office Visit and Exam Fees Rider prescribed as the sole Treatment for an Illness"

I’m moving out of NY to another state soon for my masters and the school requires that I either have full coverage health insurance or I purchase theirs which is $4,500+. Is there any health insurance plan either in NY or nationally that I can enroll in which would allow me to be seen for any medical purpose out of my home state? My current insurance is health first but it is an HMO which only allows me to be seen at UC/ED for emergent purposes only. The school requires non-emergent purpose insurance as well.

This is a wild one and I'm just looking for some kind of guidance or advice. Try and make the story short, my wife got into a car accident this morning, the car was in her mothers name who passed away and there was a lien on it so we weren't able to get it in our name but the car was on the insurance. This morning, on her way to work, she turned at light and was hit by a 1990s Jeep. After giving insurance information, we went home and contacted our insurance company. Found out we didn't have insurance, when we did, or we thought we did, back in February 2025, I registered a new car with AAA and got insurance. The lady specifically told me I had insurance and said we were good until August, but all she did was sign us up for road side service. I have a receipt of when I went in as well. My car I added was also on the account, but everything else was missing. I filed a claim and they're going to do an investigation. I'm just feeling like I'm in a black hole right now and am super confused and worried. I really can't afford to be put in this situation currently and thought I was covered by insurance this entire time.

So I just got a 37% increase this year and this is now a 77% over two years. Based on the cost increases in my area for Vet care. This is what they said: We recently reviewed the data for similar pets in your area, and we found that the average cost and use of veterinary care has increased. To ensure that Geena always has access to the best veterinary care possible, we’ll be changing Geena's monthly cost from $302.79 to $413.04 starting on August 17, 2025. Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. When I called them they said there are many factors that go into this cost one of them is the increased cost of vet care for an older dog. So they do not increase for cost because your dog is older but they do increase your cost because and older dog vet cost are higher. Don't you love insurance companies!!!!!!!!!!!!!!

Hello. Hoping someone can provide some advice on my next steps. The short version: I bought my house in 2016, at that time State Farm determined my house to be 5000 sq ft., it’s actually 2500 sq ft. Due to them thinking my house was twice the size my annual premiums were higher than they should be. This all came to light this week. My 2025 premium is now $600 less than originally charged. My agent is aware and admitted the mistake but has also told me there’s nothing they can do to recalculate the historical values of my house with the correct square footage. Do I have any recourse to get refunded for the past years I’ve paid the incorrect amount?

I live in the states in Indiana. I went to my doctor this morning and used my insurance card fine. They prescribed me meds, I went to CVS and they are saying my insurance card is not working. I called ambetter and they claimed I got a new ID number, I gave CVS the number and they said it's still not right. They gave me another number and it's the same as on my insurance card. What is going on? I have a feeling CVS is messing up but maybe it's Ambetter??

So I've been going to a psychiatrist practitioner for more than 2 years now. I've paid a $25 copay each visit. I've never had to pay a deductible, it's always been the same practitioner as well. Out of the blue in January I get sent a bill that is many many times the cost of my copay, with the bill stating that it's my deductible. I called my clinic and they tell me nothing's changed, that the insurance was sending back that it was out of network and that they'll resubmit. I called the insurance and they let me know that in the past they were filing claims as a family practitioner, but now they're filing as psychiatry/specialist which is subject to my deductible. They mentioned that I could file a dispute, but that everything did look accurate and they're not sure how or why it was charged as general practice before. When I called my clinic back they told me they'd been bought out and that the practice is a specialist clinic and told me basically they don't care how it was charged before. I am very frustrated. I went ahead and cancelled my next appointment and am looking for options to continue on my medicine. I'm hoping my old family doctor might be able to pick up the prescription. Not sure what else I can do. I would not have went in for my visit had I known it was going to cost me multiple months of rent. And all just so she can ask me 3 minutes of questions and write the same prescription I've gotten for the past year. Is there anything I can do to get out of paying this bill? I was not told before hand that anything was changing. I know it's more complex than this but I can't help but feel like I'm being scammed out of my money. Also does this not sound borderline fraudulent? How can a practice go from being general practice to specialist without undergoing major changes. If they are a specialist now, how were they not before?? Anyways, I just needed to vent this out I guess. Any help or suggestions are greatly appreciated. God bless the American Healthcare system.

I live in a condo in Los Angeles. My unit had a leak that caused some damage in a neighbor's unit, but when I filed the claim with my HO6 insurance, they found me "not negligent" and so "not liable." It took a while, but I eventually got paid to fix the issue on my end—but my neighbor was left to fix their damages through their insurance. Of course, they're now threatening to sue. I understand that my insurance will defend me should there be a suit (they confirmed that I have coverage, but they won't pay because I'm not liable). My concern is that they sent me a non-renewal notice over this claim. My policy will expire in two months. This means the claim needs to be closed so I can shop and secure a new provider... So, what happens if the lawsuit comes after the claim closes and I'm insured somewhere else? Who takes care of the lawsuit then? Am I being screwed over somehow by my current insurer right now? I mean, the non-renewal surely felt so, but if I'm going to be left to handle a potential lawsuit by myself, I don't know what I'll do. :-( Thoughts?

Hello, Considering a agree value policy for a 2004 Lexus LS via Hagerty. While I was able to get a quote and even approval online with Hagerty, before paying I wanted to talk to them. The wait times were pretty long. Is it a bad idea to deal with them when there is no local agent? Now, those who have agreed value collector car policy with Hagerty, did you do it all online? Or did you go with a local agent if there are local agents for Hagerty? thanks.