Was hoping to get some insight before I call my agent. My $1 Million umbrella policy with State Farm has really gone up this past few years from $300 to over $1500 per year. So I started looking at it and saw the following: Automobile Liability: $500,000 Recreational Motor Vehicle Liability: $500,000 Personal Residential Liablility: $100,000 Watercraft Liability: $100,000 I don't know what a Recreational Motor Vehicle is. I have 2 cars used for commuting around town. I don't have an RV or Jeep for off-roading. So what good is that doing me? I don't have a watercraft. I consider watercraft to be a money pit and I'll never own one. I'm in Florida near the water, so maybe it's assumed I have a watercraft? I don't know. I feel like I'm paying for a bunch of insurance I don't need. Any advice would be appreciated.

Going from $113-$127, smh should I look into switching or would it be the same anyways?

I recently adopted a 1 year old Golden Retriever and I am attempting the long arduous task of finding the right pet insurance. He is healthy and has no pre-existing conditions — albeit the one that will be documented once I bring him to the vet this week for anal gland expression (which isn’t covered by most insurance providers anyways). I am aware of some of the health conditions that golden retrievers are susceptible to, including hip dysplasia and cancer. And, I know, based on first hand experience, that the breed is extremely accident prone. So I am opting to start the policy early to eliminate other complications from becoming pre-existing conditions if I wait till later in life. At first I looked into Trupanion because I like the premium service of the provider paying vet bills directly (saves some headaches). And I like that it is on a per condition deductible basis, where each condition deductible can be met earlier in life. But I can’t get over some of the horror stories about increased premiums. I am financially able to afford such a service, but the rate increases just seem unreasonable. I’ve also looked into Pets Best and MetLife. Are there any recommendations that you can make that I should consider? Should I just go with Trupanion?

Gcredit 151 na utang Hello guys. Sobrang taas kasi ng penaalty na pinataw sakin ni Gcredit, napabayaan ko na din ilang buwan kasi nalimutan ko na meron pala akong existing na na-utang don i think mula sa pagloload lang. Nung binuksan ko, 1500 ung penalty pero yung utang ko is 151 lang huhu. Feeling ko sobra naman yung penalty at nagcontact ako sa customer service ni gcash at email ng collection pero wala reply sa email at sa help center is wala silang nagagawa. Parang ayoko bayaran dahil feeling ko excessive naman. Total is 1651 lahat from 151 na utang. I know na fault ko na hindi lagi nagchecheck ng accounts ko pero balak ko naman sana bayaran pero hindi sana ganiyan kalaking penalty na 10x sa loan ko. I did research and saw BSP Circular No. 1133, series of 2021 which is "A total cost cap of 100 percent of total amount borrowed (applying to all interest, other fees and charges, and penalties) regardless of time the loan has been outstanding." valid po ba ito kay gcredit? Should that mean na 151 lang din dapat ang max fee (penalties, service charge and interest) na babayaran ko with my loan totalling to 302 pesos max?

I went to a urology visit at UIC in Chicago. The whole visit was around 10 minutes, no longer, since I was called in: blood pressure and oxigen check, a few questions about my health history and then came in the doctore that in two minutes, without even using special pieces of equipment, gave me the diagnosis. Only few weeks ago I recevied the bill and surprisingly I was billed twice: one bill for the doctor service and one for the use of the infastructure tislef. Basically the doctor just "rent" the room and equipment and provides the service. For the first bill, the total was covered by insurance excpet a small co-payment ($40), but the second one is covered only partly . It was $460 and after reductions, I have to pay out pocket, 250$. The code associated with this item is 99204: "New patient office or other outpatient visit, 45-59 minutes, Level 4" (https://www.ama-assn.org/practice-management/cpt/cpt-code-99204-new-patient-office-visit-45-59-minutes#:\~:text=Additional%20CPT%20resources-,CPT%C2%AE%20code%2099204%3A%20New%20patient%20office%20or,outpatient%20visit%2C%2045%2D59%20minutes) If you read thorugh the link above, this code should be applied when: "Office or other outpatient visit for the evaluation and management of a new patient, which requires a medically appropriate history and/or examination and moderate level of medical decision making. When using time for code selection, 45-59 minutes of total time is spent on the date of the encounter." Basically, none of these createria were met. Even if I descalate to Level 3, it still require 30-44 minutes and a thoroughly examination of past and current conditions. Now, what actions would you suggest me to do? Trying to reason with the hospital itslef or can BCBS help me with this matter? Fortunately, I can afford to pay this bill. But it is just frustating that it's literally a mafia, a scheme out there, and nobody does nothing. I can't imagine the people living paycheck by payecheck and being frauded by private health.

My gf (f21) is currently insuring a 2019 gmc terrain for about $225 a month, however she got her March bill and it has more than tripled to $1200+ dollars for this month. Continuing months will be about $800, she has made one claim about a year and a half ago. My question is, is hasting mutual required to give notice of a premium increase and a reason for such increase?

I recently almost got into an accident where the person in front of me stopped in an active lane of traffic and I had to hard brake. I stopped short of hitting the guy's bumper and we both pulled over to check if there's any damage. Confirmed no damage but he made me exchange phone numbers and driver's license info with him and we took pictures of the cars before going our separate ways. I didn't file a claim nor let my insurance know since there was no collision to begin with. A couple of days later I got a voicemail from his insurance's claims adjuster saying that a claim was made against me for a rear-end collision. Since it was after-hours I called the general support line for his insurance and got a hold of a live agent who was able to give me more information and what to do to dispute the claim. I've provided the pictures and dashcam footage leading up to the encounter to the claims adjuster and also filed a claim with my insurance because there's no other way of getting a hold of someone in my insurance until the weekday (I blame Tesla Insurance for shotty staffing). I wanted to ask the community if there's anything else I should do or be aware of in this process. I think the guy is trying to make a claim that I damaged his bumper as he had existing damage there (I confirmed in the pictures and the dashcam footage). EDIT: Forgot to mention that I plan on calling the other guy's claims adjuster as well as the one assigned to my claim to confirm receipt of information and if I need to provide anything else. I sent the pictures and dashcam footage to my claims adjuster as well.

I purchased a brand-new 2023 Porsche Macan S for $82,000. After taxes, the total came to $86,000. I also purchased all available extended warranties and protection plans through Porsche, covering the engine, transmission, wheel/tire protection, paint/weather discoloration, etc., bringing the total investment to approximately $102,000. As of 2025, the car has only 14,000 miles, mostly from commuting to and from work. The vehicle was in excellent condition with no engine damage. Recently, I was involved in a collision accident, and the fault was determined to be entirely on the other party. Unfortunately, my insurance company has declared the car a total loss because the repair cost is around $40,000, and the vehicle would receive a salvage title, thereby reducing its market value significantly. My insurer has offered me $72,000 as the settlement. This situation leaves me $30,000 short of what I initially paid, even without factoring in the warranty and extras. 🟦 1. Can I still negotiate with the insurance company after they totaled my car? 🟦 2. Should I buy back the totaled car and fix it? 🟦 3. I had 5-year warranties — if the car is totaled after 2 years, will I get refunded for the remaining 3 years? Thank you to anyone who sees this message and replies back.

For those of you with Pets Best, how long does it usually take for them to finish reviewing a claim? I feel like they are taking forever lately.

nybody here have mediCal? (Govt free medical insruance in the usa for ppl under age 65 and unemployed or flat out broke). My uncle generously cash paid for my mcas doctor. I have a script for cromolyn sulfate, can I use the script at the pharmacy and will medi-cal pay for the meds? Usually people with California state Medi-cal for those under 65 are unemployed or too sick to work but not yet documented and broke like me, so qualify for medi-cal, but those doctors are the worst and most incompetent. My uncle paid a mcas doctor to see me, abd I got a script for cromolyn sulfate. Usually medi-cal will pay for my meds even if i saw a cash pay doctor. Or is it a situation whereby I need to prove that I used lower level meds and they didbt work before I get approved from cromolyn sulfate? Remember I tried to get triamcinolone cream under private insruance (blue cross blue shield), but they said i had to trial lower level creams and then fail those 2x first. Making me waste life energy and jump thru hoops so insurance company can save 20$.