I live in Minnesota where insurance companies are required to cover 48 hours of inpatient care after a vaginal birth. https://www.revisor.mn.gov/statutes/cite/62A.0411#:~:text=Every%20health%20plan%20must%20provide,a%20mother%20and%20her%20newborn. My insurance (Medica) is trying to make me pay $1850 of the $8300 billed to them for room and board after I gave birth. The stay was less than 48 hours. Is this legal? Do I have a course of action here?

I’ve never had to worry about health insurance before, so I have not learned any of the insurance lingo or terms. I’m in a very specific, very tricky situation. I was in an accident 2 years ago that I am still recovering from. I have a plastic surgery that I still need done to complete the recovery. At the same time, I am being kicked off of my parents insurance. Is there a reputable insurer that young adults generally use? My parents suggested AmBetter, but their reviews are really poor and lots of reviews say they deny coverage for surgeries. I’m willing to pay a premium if it means I can get better care throughout my recovery. I still need physical therapy and a permanent shoe-lift made. I’m hoping to find insurance that will cover me through all of this. I cannot get insurance through an employer, because I can’t hold any serious jobs that offer insurance while I am going through recovery. Any tips are appreciated, thank you in advance!

Two weeks ago, I got rear-ended by a commercial truck owned by a logistics company, X. I originally filed the claim through their insurance company, Y (as listed on the driver information exchange). A few days later, insurance company Y told me that company X would cover the accident and gave me a claim number with X. I can only get in touch with X by email (which has very slow correspondence), and their phone line is always busy. After I sent them all the information they requested, the only response I got was that they are "reviewing" the case and will discuss it after that—without mentioning how long it will take. Since they are not an insurance company, I assume they don’t handle claims in the standard way. Now it's been more than two weeks, and I still have no idea how they plan to address this. Are there any legal requirements for how soon they need to respond and resolve the issue? (I do not want to go through my own insurance and pay out of pocket.) What actions can I take to push them to make progress on this? Any suggestions or advice would be greatly appreciated!!!!

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.

My car was totaled at the beginning of July, it was the other drivers fault and she has Fred loya. I have been completely out of a car for 3 weeks and I can’t get through to anyone. I don’t know what to do. The car isn’t worth a lot, it’s a 2005 Subaru Outback, but in my area (Colorado ) I should get at least $4,000 for it, they offered me $2,200 and after I sent a bunch of comparables over they’ve been ignoring me. I have 2 jobs and I go back to school next month, I need a car. Any advice on how to get them to pay attention to me? I’m pretty poor so getting a lawyer feels out of the question, but I’m also getting desperate. Thank you in advance

Got into a car accident last year (rear-ended). Sent a demand letter to Farmers Insurance asking for: * **$4,523** in gross medical expenses (I attached the detailed reports/receipts for them) * **$33,000** for pain and suffering * **$6,295** for diminished value (they said this will be handled separately) Yesterday, they offered **$7,823** for my bodily injury claim. Seems like they’re barely covering my medical bills and throwing in a small amount for pain and suffering (10% of what I requested). Should I counter? If so, should I slightly lower my initial demand (say $25K for pain and suffering) to show I’m negotiating in good faith, or should I stay firm on the original amount? Has anyone been through this process without an attorney and successfully negotiated a higher payout? Btw, when my vehicle was in the shop, I gave the shop the insurance's contact info and the insurance paid the shop. Looking for advice on next steps before I respond. Any input is appreciated!

my car was stolen 2 weeks ago and the insurance company is considering it a total loss. this is fine, but they are offering me 13500 for my 2019 subaru 2.i0 premium sedan with roughly 91000 miles. it had 3 month old tires and a new battery. the issue im running in to is there are 0 of this car available within 150 miles of me with similar milleage. but when i look nationally it is showing they are shorting me about 2000, which would pay off my loan. im afraid getting an adjuster involved will cost me too much and not be worth it. any advice for fighting their appraisal? they couldnt do a fully accurate appraisal because they dont have the car. i asked to see their comparables, because if theres nothing local what are they comparing it to?

I have a pair of Sphynx cats—both female, spayed, and 1.5 years old. Right now, I have Trupanion for their pet insurance, and overall, I’ve had a good experience with them. That said, one of my girls had an allergic reaction earlier this year that required multiple follow-up visits, and the out-of-pocket costs for exams alone really added up. I reached out to Trupanion, and they said I’m allowed to have a separate wellness plan from another provider to help cover things like exam fees and routine care. So now I’m on the hunt for a solid wellness plan—mainly one that covers exams, vaccines, and most importantly, the annual HCM screening for both girls. Trupanion might or might not cover that since it’s kind of a gray area between diagnostic and preventive. I’m betting they’ll treat it as preventive, so I want a backup plan. Any recommendations for wellness plans or other insurance options? Every time I think I’ve found a good one, I come across a flood of awful reviews (though I know that’s just the nature of insurance). I do plan to call and confirm coverage details before signing up, and I’ll also ask if they can review my girls’ vet records to determine what they’d consider pre-existing. Thanks in advance for any suggestions!

I used to be insured by them and never had any accidents. I called roadside assistance once in 2022 because my tire had completely come off the wheel while my boyfriend was driving us back from the airport. Nothing happened, no crashes or collisions or injuries. We literally just pulled over and I wanted to see if someone could help us get another tire. I don’t recall what i said on the phone after explaining the situation but we didn’t end up getting help through my roadside assistance. Never heard a peep from geico about the incident. When they jacked up my rate almost 3x 2 year later and i asked why they didn’t have a reason, certainly not this “unreported accident,” but just said i was flagged as a high risk driver. I assumed at the time it was related to my drive easy habits. Now i am with progressive but was thinking of switching back. The quote i got was reasonable, and right before i could purchase they asked me about this unreported incident involving my boyfriend and whether he was driver on my policy when it happened. He recently signed up with geico but i’m not sure how they connected his name because i don’t think they even asked when I called roadside, and he definitely didn’t report it. I just find this very bizarre because they hadn’t asked me about this at all when I was under their insurance but now it’s being used as a reason to increase my policy quote.

Hey all! Back in 09/03/2024 I had gotten into a car crash without insurance. I am a 20yo Corrections officer, and when the crash happened I hadn’t got my first check yet, so I didn’t have any money to get insurance then. The car in front of me ( a businesses car) slammed on their brakes going 50, and my bald tires slid my small civic into their bumper. We both got out, and inspected the damage, there was no dents, and barely a scratch on the other guys bumper. I told him I didn’t have insurance, and he said, it looks like nothing happened so he should be fine, but because of the crash detection he’d have to tell his boss about it. Ever since I haven’t gotten a single piece of mail, Email, etc, about the accident. Today I opened a piece of mail, that stated bell subrogation services were trying to get me to pay 2989$ for an accident that 100% didn’t cost that much to repair. What should I do? I know nothing about stuff like this and have well under 2989 in assets and cash on hand.