On February 8th, my car was parked at a Miller’s Ale House, and it was hit by a truck that was parked right next to it. The restaurant manager found me and told me that the situation had happened, but the truck's owner was waiting for me. I went outside, the guy verbally confirmed it was his fault and offered 200$ to pay for a new bumper (that is the only thing that was damaged). I do not know much about the costs of parts and fixes, but it seemed not right to me, so I told him we should let the insurance deal with it. he agreed, and his wife showed me her insurance info from Dairyland on a screenshot. The truck that hit my car was not listed in that screenshot, but she assured me it was. I took a picture of the plate, and that was it. On Monday, I called their insurance and placed the claim. They asked many questions about the incident, and I answered them all. They gave me the name of the Adjuster and a reference number. She contacted me days later with more questions, which I answered, and asked me for pictures of my car from all angles. Since I heard any contact from the Adjuster I decided to call her today and she said that they haven't been able to gather evidence from the other party because and I am quoting her: “Since the police was not called the day of the incident, they have no direct way to contacted them, so we are at the mercy of them contacting us”.  I was not raised here in the US, and this is the first time I have had to deal with a situation like this in my life. In hindsight, I think I did not manage this very well. I didn't want to call the police since, yes, he probably was drinking inside the Ale House, but he was with his kids and wife, and I did not want the drama. Maybe I was wrong. I took a picture of his plate, and I have his wife's name and address. I did not get his phone number. I also have the manager’s restaurant as a witness.  I am incredibly frustrated. I handled this wrong. My beautiful Miata has a big dent in the front. And sure as hell don't have to be responsible for it. What should I do? Should I sue the guy? I do not get why the insurance can't contact them, maybe they gave me another insurance info. Is there any other way to deal with this? Help me Reddit!

Hi everyone I posted here a few weeks ago with issues regarding Fetch Pet Insurance (formerly Pet Plan) and I have just had an absolutely awful experience with them regarding my dog’s recent knee surgery Basically, they are rolling out a “prescription sub-limit” on all of the policies they can and using that to cap any and all medical expenses as they relate to medications at 1,500 dollars. This includes any medications administered by a veterinarian and as I’ve been made aware, it includes medically necessary surgical anesthetic medications. During my enrollment call and upon reviewing my application of benefits, I was only made aware of the coverage I purchased. 10,000 dollars reimbursement, 80% reimbursement rate, and a 500 dollar deductible. There is no language on my application that indicates a sublimit. I just got off of a call with a supervisor reviewing my claim review and also my issue with this sublimit (as it was not reviewed with me in my enrollment call like it legally should have been per my enrollment application) The gist of the call was that “we can’t go over the whole policy” and that “we’re sorry you feel that way” even though the language of the application states in the agreement section that “I have been advised and have had the various other coverages and limits available to me under this policy fully explained. It is my decision to purchase the Coverages and limits set forth herein” All in all, if you plan to purchase pet insurance out of fear of surgical needs or expect for your coverage to be that which you go over in your enrollment calls, do not go with Fetch Pet. They are deceitful and intentionally vague in their policy documents and apply sub-limits without disclosing them to their plan purchasers. Thankfully, Fetch has still lost money on my dog due to the expensive nature of her surgery. But I will be looking at all my options when enrollment time comes around and consider switching because this company is unprofessional and blatantly lying to their customers. Now I have hit the sub-limit after one surgery and if my dog were to need another surgery this year according to Fetch I am SOL. If anyone has enrolled in Fetch this year or last year, please review your policy documents and let me know if they applied a sublimit to your policy (and whether or not the enrollment agent informed you of that sublimit)

US Florida. I was involved in a car crash recently and don't know what to do. What happened was that I was exiting a fast food drive thru late at night. The drive thru exits onto 4-lane divided road and there is a stop sign controlling the intersection. I stopped at the stop sign and looked down the road to see if it was clear. I saw no oncoming traffic, so I turned right into the left lane as I was intending on taking a U turn at the next available place which is fairly close to where I entered the road. (Yes, I know this is illegal. I got a ticket for this and I know I won't be getting out of it.) As I turned into the left lane, I collided with another driver who was driving in the left lane. I did not see this other vehicle whatsoever even though I looked before I entered the road. Damage to both vehicles was minimal and neither of us were injured. We were able to move to a nearby parking lot before the police were called to the scene and we exchanged information. At the time I was freaking out about the whole situation and not thinking clearly and only remized later that the other person's headlights obviously weren't on, otherwise I 100% would have seen them. I tried emailing my insurance company (Progressive) that was handling the case, but never got any response. There are traffic cameras at the nearby major intersection as well as security cameras from nearby businesses that I believe would be able to help, but I can't get any footage from them. I asked in person at the businesses and called the police department and they all told me insurance would have to handle it. So what do I do? Do I have to get a lawyer? Is it even worth it to do so?

Hello, and thanks in advance for any suggestions. I have a 2024 and a 2025 FSA - for simplicity lets say theres 750 in each. We had a hospital stay for the birth of a child, admit on 12/30/24 and discharge on 1/2/25. Total bill 800. I need to pay the 2024 expenses with the 2024 FSA, and 2025 with the new 2025 FSA. Hospital tells me to contact blue cross, blue cross tells me to contact hospital. Neither FSA companies help. Hospital gave a detailed invoice, but the invoice is a mess and impossible for me to split into services given in 2024/2025. The invoice shows the full charges before insurance. i asked blue cross to provide me with what I an responsibke for, split between the two years so I can call and manually charge each FSA for thier respective years… then pray the fsa will take the invoice as a reciept cus I cant get an EOB split by year… This is all a mess, Im exhausted with a baby and JUST WANT TO USE MY OWN MONEY I paid into these stupid FSA’s. To make it worse my employer chsnged FSA providers so I have 2 seperate fsa companies to submit these charges. Any tips?

Hello, I adopted a rescue dog in November. I purchased Fetch insurance in March. They will not cover any anxiety meds or treatment for his anxiety due to it being "pre-existing". Early vet visits mentioned his anxiety . I'm pretty discouraged that this is being held against him. Are there any insurance plans that cover behavioral issues despite it being pre-existing. My vet even argued that my dog has Seperation Anxiety which is a different dx than anxiety and it was still denied.

I have been a State Farm customer for almost 40 years. I recently was in my first serious automobile accident where the repair costs are around $25,000. State Farm has been hellish to work with and dragged even just the start of repairs out two months. It’s not over yet, but it’s pretty clear I’m gonna end up having to pay a pretty good chunk of that out-of-pocket. The body shop tells me that most namebrand insurance companies are difficult to work with. He suggested one of the high-end brands like Chubb or Pure. The more I think about it it seems like I could go with a low rate company and for that once every 25 year incident just pay for the repairs myself. As long as I have injuries and liability covered, it feels like I would come out even. My question is this. Should I go with a different company that is more white glove service like Chubb? Or should I find some cut rate company where I at least know up front I’m going to have to pay out-of-pocket for an repairs like this but save money and headache in the long run? Or should I just stay in the middle with SF? FYI, I do have good umbrella coverage too.

I applied for a comenity card through Forever21 (big mistake). I had a total debt of $300 dollars on that account. The customer representative took down the wrong address and name so I never received a physical credit card resulting in not being able to make the payment. I had to leave country for a month and I couldn’t receive any calls from comenity resulting in a 60 days late payment. My credit score plummeted from 715 to 533 (Feb 2024). I am trying to get my credit score up. Despite my $2000 spending every month on my Amex card, my credit score has gone up to 581. I moved to US in 2022 so I don’t have a long payment history. What are my options here? Should I contact comenity? Or should I try to contact Transunion? I’m worried that I will get not get an apartment now that my lease is coming to an end.

State Farm is discontinuing the policy for my 3-unit multifamily rental property. My umbrella policy is also with State Farm. My agent told me umbrella will cover the rental property if a new policy I find is A-rated (i.e. by AM best, JD power, etc) and underlying liability limit of $500k is purchased. Is it really true that the new policy for my rental property must be an A-rated insurer? What if it is less than an A-rating or not even rated at all? Insurance is insurance, isn't it? It is becoming extremely difficult to find a good, quality top-rated insurer that will write a new policy for rental property (building) that is 70 years old.

Thinking about moving my primary residence into a trust. However, I was grandfathered into a state farm home insurance very affordable for my location and I doubt I’ll be able to get my home insured since it’s now high fire risk since a map redraw. I am also thinking about moving my home under a trust. Does changing benefiacury of a home insurance incur a risk of losing my current policy (like separate underwriting is needed?)

**Odie is taking my monthly money and not holding up their end of the bargain.** **UPDATE:** Odie responded to my Google review and processed my three claims. They denied coverage for all of them, stating in the EOB "preexisting condition." My dog developed this condition while a policy holder on ManyPets, ManyPets processed claims for this condition regularly (which is why we have the insurance), and Odie stated there would be continuation of care. **I've filed a claim with my state insurance commissioner, thanks to the recommendation of this sub.** I was switched to Odie from ManyPets when ManyPets sold and want the world to know: ODIE IS A SCAM. GET OUT WHILE YOU CAN & DEF DON'T SIGN UP. Aside from the significant increase in monthly cost and 20k coverage limit on a previously unlimited plan, Odie is...nowhere to be found. My claims are not being processed, nobody answers the phone, the chatbot isn't responsive, and I literally cannot get any information.