Hi guys. I have Pets Plus Us for my cats. A little while ago my cats were exhibiting signs of asthma, the vet said that if it’s only infrequently then he doesn’t see the need for medication but that if I really wanted to he could give us a trial amount of prednisone to see how it works. I agreed, and when I submitted the documents the insurance wouldn’t cover it because the doctor wrote in the notes that I insisted on trying the meds not the doctor. Anyways, rewind to now. My cat has a serious case of diarrhea. The vet suggested a PCR. However since he’s an indoor cat I highly doubt any parasite or virus will be the issue. My friend who works at a different vet clinic recommended I get my vet to do an ultrasound. However, I’m very nervous to suggest this myself instead of my vet suggesting it because I’m worried my insurance will deny the claim if the vet writes in the notes that “owner requested an ultrasound be done” instead of the vet being the one to suggest it. Is this a real concern? If I want insurance to cover any treatment or diagnostics, should I avoid making and suggestions or requests to the vet so that any tests that are done are only at the suggestion of the vet? Money is a big concern right now since I lost my job so I don’t want to risk getting my claim denied. Thank you in advance!

My car was parked and hit by an amazon delivery truck. They were delivering packages to either my apartment or one next door. He side swiped my car leaving the parking lot. Luckily a person saw and tried to flag him down and he sped off and drove off. The witness then reported it to my apartment management who got the video footage from their surveillance cameras. I have the photos of the amazon truck hitting my car, a clear view of his license plate, a witness, and a police report (although the policeman said he couldnt read the state on the plate but i figured that out later and gave it to my insurance so it might not be in the report). I called amazon and got two different reps who barely spoke english. I ended up calling my insurance (state farm) and they were great and said i should do a claim as typically this doesnt affect premiums. After i initiated the claim last week, yesterday i finally got a call back from amazon who said a rep from ARC, their dedicated claims (third party?) company, would reach out next week. I researched ARC and all the reviews are awful. Everyone says they lowball you and take months to settle. Should i just go through with the claim with state farm? I havent gotten any estimates yet. And my rep for state farm said this would likely not raise my rates. But im guessing the fix will be several thousand for a new fender and bumper and maybe wheel rim. I havent had a claim in 10 years and felt good about that, but just wanna make sure im not doing this wrong. Thanks.

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?

So from just looking on here it seems that this happens often. I got my vehicle yesterday afternoon after them having my car for a lil over a month. I didn’t look at my car much yesterday. This afternoon I went outside and was looking at the stuff on there bill of said repairs for the insurance company. A couple small things look fixed but most stuff looks the same as before as in not touched. The thing is what do I do now? I also had just called said place and the person was busy and in telling the person on the phone if they just ripped insurance company’s off he was dead silent.

Travelers Home Insurance. Claim filed 6/3. 1st agent came 6/11 and my roofing contractor was present. He quit the company the following week. New guy assigned. Came 6/27 then went on vacation. A few weeks later he calls and mentioned he wants an engineer to look at the roof because he agrees there is hail damage but doesn’t agree it’s a full roof rebuild. Fine. 7/16 engineer comes out. Contractor present. It rains before he took photos, so he has to come back on 7/21. Fine. It’s August 5 and the travelers insurance guy says he still doesn’t have the engineer report. Is this timeline normal for a claim like this? Does this breech the law that states 30 days for insurance claims to be investigated?

For context, the state is Maryland I live in a rental house and there is a prior resident named Stacy D. (Hiding her last name for privacy). I don’t know this person, other than occasionally getting some of her mail in our mailbox, which leads me to assume she is a prior resident at this unit. This morning, i had new policy documents added to my Progressive policy. They added Stacy D. to my policy as an insured driver, and my rate increased from $140 a month to $580 a month. I also lost some of my discounts, like safe driving discount, because Stacy D. has apparently been in two at fault accidents in the past year. Now I called progressive to remove this person from my policy, and their underwriting says that she can’t be removed unless i have proof of address showing that she doesn’t live here. A few questions: 1. How do i prove that someone (a stranger) doesn’t live here? I don’t have any contact info for her or any way to get her current address. I don’t know this person or have any knowledge about her other than occasionally getting junk mail that is addressed for her. 2. Is there a possibility of me getting any discounts (such as safe driving discount) added back to my account, if I am able to remove this person? 3. Because i live in a rental unit, are there any other steps I can take to prevent prior residents from being added to my policy in the future?

Trying to help my mil with her home insurance in FL. No prior claims and no flood zone. She contacted an agent who gave her a cheaper quote through citizens. We find out 6 weeks later there is still no policy. We call on her behalf and get a bunch excuses about internet glitches or something. Called citizens and they didn’t even have a record of the application. In the meantime coverage has lapsed and the mortgage company I guess has already bought its own policy. Finally last week the agent submitted a new application and just got a notice that it was denied for missing required documentation. Obviously we are contacting a different agent referred by a friend asap. But like wth? This can’t be normal right? What else should/can we be doing? Obviously this is very stressful for her going into hurricane season without a policy.

Here's the situation: **The unit below me reported ongoing water damage on their ceiling/wall.** The building paid a plumber to do an investigation. After many hours, they were able to determine there was water coming from my toilet. I brought in my own plumber and he figured out there was a leak inside the wall where the toilet connects to the pipe (its a wall mount toilet and the gasket wasn't forming a tight seal with the pipe). This toilet pre-dates my ownership, if that matters. I had him fix it and paid him. Obviously the apartment below has repair costs. I immediately engaged a claim with my homeowner policy provider (Travellers), sent them the plumbers reports (both mine and the building), the by-laws of the building, and put my insurance in touch with the owners of the below unit. Fast forward, after some research, **my claim person says 'I'm not liable because there was no way for me to know about the leak, so the owners of the below unit should file with their insurance'** It is true there was no visible leak or damage in my apartment. Now the unit below me sent me an estimate from their contractor and says 'As you’ll see, they have denied the claim, stating there was “no evidence of neglect” on your part. **Given the damages I sustained, I need to understand how you intend to address this situation and take responsibility for the repairs.**' It's not clear if they've filed with their insurance. The husband and wife don't always seem to be on the same page. They are claiming repairs cost $30,000! I don't know how much of this is really related to the damage, as they are also in the midst of a major reno and might be using this to pay for some of that on the sly. I don't have a relationship with them. To clarify the leak was a long slow drip, which only occurred when the toilet flushed, which is why it took so long for the building plumbers to track down. Regardless, it seems weird to me that the insurance judges I'm not liable, just because I couldn't know about the problem. Especially since the policy seems to explicitly cover damage from water seepage where the insured is unaware because its hidden in a wall (in the DOES NOT COVER section for liability it says: CONTINUOUS OR REPEATED SEEPAGE OR LEAKAGE OF WATER OR STEAM OVER A PERIOD OF TIME, WEEKS, MONTHS, OR YEARS, FROM WITHIN A PLUMBING, DRAINAGE, HEATING, AIR CONDITIONING,SYSTEM OR AUTOMATIC FIRE PROTECTIVE SPRINKLER SYSTEM OR FROM WITHIN A HOUSEHOLD APPLIANCE **UNLESS SUCH SEEPAGE OR LEAKAGE OF WATER OR STEAM AND THE RESULTING DAMAGE ARE UNKNOWN TO ALL insureds AND ARE HIDDEN WITHIN THE WALLS OR CEILINGS OR BENEATH THE FLOORS OR ABOVE THE CEILINGS OF A STRUCTURE**). **Right now I'm waiting for response from my insurer and also the apartment below** (to see if they have filed with their insurer and if that insurer is in contact with mine). Up until now my interactions on this issue with the apartment below have been pretty even tempered, but their latest email feels like they are escalating and I'm concerned I might even need a lawyer (I live in NYC btw). (added highlights to help with TLDR)

When I turned 18, my dad made my start a Roth IRA with Ameriprise because I had an unexpected source of income coming in that he wanted me to put away. Well, since then I have continued to put money into that account and I talk to my FA semi-regularly. Well, I am now 22M and going to be making some real money soon and after some research, I see a lot of people saying to avoid FA for a Roth, especially Ameriprise. I am glad my dad had me do this when I was 18 but now I am wondering if I should move my Roth to something else. For full disclosure, I have put in $19,000 total, and it has grown about $4,000 in that last 4 years or so. However, I do not really know where to begin. Should I move my Roth away from Ameriprise? How would I move my Roth? Where do I move my Roth? I have seen mentions of Vanguard, Fidelity, Schwab and others. How would I choose one? Don't services like these also charge some sort of fee? Thank you so much for the help.

I have had Embrace pet insurance for my dog and cat for 10 years and they have always been Awesome and I have a 90% Reimbursement Rate on covered claims . They have covered many claims and have helped alot . I do pay a hefty monthly price to have this peace of mind. I’m use to an annual increase that’s incremental but a 55% jump from 220 a month is just outlandish in my opinion to 340 a month now . Have you experienced a High Rate Increase also?