My vehicle needs a new windshield. It’s a lease and reading the agreement, it says the following: You are responsible for repairs of all physical damage that is not a result of normal wear and use. All service and repairs must be made with new and genuine manufacturer’s original equipment replacement parts, regardless of the terms of your insurance policy. Does this mean it has to be OEM? I have GEICO and they said they will not pay for OEM.

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?

My dog is about to turn 10 and they want $160/m now. Should I switch, and if so where to?

Hello! I recently rear ended someone recently and this accident ended up totalling my car. I have geico insurance and they are stating that I only get 3 days with my rental car. My policy does not say that anywhere. They severely undervalued my car. I compared it to KBB and other cars with similar make and models and mileage. I sent them these and they told me to hire an independent appraiser. I don't have the funds to hire someone to do this. They are going to make me turn in my rental car before they even pay out any money so I can get a new vehicle. I have asked my adjuster to send me where in my policy it states this and they have been unable to provide me a location in my policy where anything that they are citing is stated.I am feeling a bit lost and hopeless and I am wondering if anyone else has had this issue before or if they have any advice. Any would be great! Thank you so much!

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?

My family has Cigna through my husband’s employer. About two months ago I felt like I had the flu, and couldn’t get in with my PCP until the following week. Was told I should try go to urgent care for a flu test and to get checked out. I did, and was in and out in about 30 minutes (flu A positive, sent on my way with some meds). A few weeks later, I get a bill for almost $400 and was shocked. A month later, my son ended up getting rushed to the ER. We were there for about 7 hours under observation after getting some initial meds…. And I just got the bill for that. $150 copay, that’s it. Looked up our coverage with Cigna. It states ER visits have a $150 copay with the deductible waived. For urgent care, it says “after the in-network deductible is met, you pay 10%”. In what world is this right? I thought the whole point of an urgent care was to try to alleviate the stress on ERs. I feel like now I have no reason to ever go to an urgent care… even if all I need is a simple strep test or have UTI symptoms. Is this becoming the norm?

Hello, I just found this sub. I am looking at getting pet insurance. I have a 3 month old cavapoo. I was going to go with fetch until I saw all these horror stories. I am in Canada. Any suggestions? I got quoted $108 with trupanion. Seems high. Fetch was like $60 with the wellness. I notice they all jack up premiums based on whatever yearly too. Even if trupanion says it's not based on age, they can blame it on whatever. I asked them and they said they're is not cap on how much premiums can increase. I understand it's a gamble. Might never need it but I want the piece of mind of having coverage.

I was At a stop and some lady came up speeding to turn on where I was. When the police came she told them that she didnt see me and that a i blew the horn but she was too late. She hit my car and i had to pay 2,000 dóllar to fix my car. The police say we were both At fault but i told him i never move from the stop and that i was going to make a right turn when I saw her but i never was able to move. He made us both guilty. A few month later i revive a letter from geico saying i own them like 10,000. Will this kill my credit score? I dont have that money to pay. I have check my credit and i see nothing but am afraid they will put on my credit soon or later. Its being months already. It was back in january.

This happened in Texas, USA fwiw. Thanks for any opinions or advice. I did not purchase the rental company's insurance but did pay for the rental with my Chase Sapphire, which has good collision coverage. Dent in bumper not too major. The other driver clearly was at fault and in fact didn't even collect my info since we both knew it was her fault. I got all her info and now my rental company is *trying to get my insurance info*. I refused to give them my insurance info on the accident form when I returned the vehicle since I wasn't liable. Also I only have liability. The rental company, in their initial email after the accident did not mention whether they tried to contact the other person. What's my play? Should I contact Chase first and get a person for the rental company to contact or what should I do?

I went in for my sterilization a few weeks ago and was SO excited to finally have it done. I have BCBS and my doctor's office said that insurance will cover the procedure 100%. But when I got to the hospital they said it would cost $10,000 because the hospital is not in network. Is the hospital correct on this or do I need to contest it because my insurance is ACA compliant? Can I contest it before the surgery so I'm not potentially stuck with a stupid huge bill?