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Insurance companies are constantly reviewing us. Are we too old? Do we live in the wrong place? Is our credit score high enough? Well, now it's time to turn the tables. Do you charge too much? Will you pay my claim quickly? Is your coverage worse than it seems? We can review you too.
Plymouth Rock - Plymouth Rock App tracking me without my consent
Just switched to an android from iphone and when my battery gets low to 15 percent, I get a notification from the Plymouth Rock App that "Trip recording is suspended." It also says low battery is preventing Plymouth Rock from recording trips, this is genuinely scary as I never set up anything with them to record my trips. I gave them a call and they said that my account doesn't have it set up so they're not sure why. Anyone have an idea why it would say that?
Allstate - Allstate is asking for proof of roof age when filing a hail damage claim.
I bought my house in 2019 from my father. He says he had the roof replaced in the last 10 years or so but doesn't have any documentation of it.
When I started my policy with Allstate they sent an inspector out to inspect my house and issued my Policy.
Last month, we had a bad hail storm that damaged my roof. When I tried to file a claim for it they are asking for proof of age roof, which I don't have. Shouldn't this have been asked for back in 2019 when I originally got the policy?
Do I have any recourse in this situation? TIA!
State Farm - How to handle insurance issue r/t auto accident. Brother w/ traumatic brain injury now being denied coverage for his medication/appointments.
Hi all, years ago my brother was hit by an auto while he was on a bicycle. His auto insurance (State Farm) covered the meds r/t accident and any appointments. Every few years they would send him in for a reevaluation IPE so this time the person that did the Psych evaluation said he was over exaggerating his issues and that even though he has a traumatic brain injury he no longer qualifies to have his medication covered. He deals with/ depression, headaches, insomnia, the only med that is being covered is for his antidepressant. Im not sure how to advise him. Do we go back to the original attorney? Do we fight it? If so, how does that normally play out? My brother's accident happened over 15 years ago. He was not at fault. Even though all of his testing showed significant damage and he has never returned to his baseline, has poor memory, can't think when there are loud noises, and is now doing "manual" work vs. owning a business that he had to give up. Any help would be wond
Blue Cross Blue Shield - BCBS terminated policy due to non-payment of $0.00
Long story short, I got a bcbs plan through the marketplace last month and I kept getting bills for $0.00 saying I needed to pay or my policy would be canceled. The first time I got a bill for that amount I went online and paid a penny. Then I got another bill for the same amount of $0.00. I figured it was nothing to worry about. Fast forward to today, I have a doctors appointment tomorrow, and I get hit with an email saying my policy with bcbs has been terminated due to non-payment. Non-payment of what? Nothing? Why?
Fetch - Fetch (formerly Petplan) Canada first claim
I originally signed up for Petplan Canada because we had it for my cat in the UK and they were pretty good.
Signed my cat up here in Canada when she was about 7 years old. A few years ago they got bought by Fetch who definitely seemed a bit dodgy based on the sudden price increase and trying to sell preventative care packages that are a total scam.
Made my first claim this summer (she's now ~12?) when my cat suddenly got very sick from a hairball. She had a lot of tests including X-ray blood test, and ultrasound at the emergency vet. My Fetch policy at the time was about $133/month ($1500/year) with 90% coverage, max deductible ($650). They reimbursed $2500 of the $3500 without any resistance for which I was pleasantly surprised. I just got the email for the policy renewal and it has gone up from $1500/year to $2500/year. Some of that would be from my cat being one year older.
Toyota Insurance - Toyota Insurance Severe Lack of Communication Throughout Claim
A couple of months ago I was involved in a small fender bender. I turned right leaving a parking lot, which ended up being a right turn only lane and I needed to go straight. Naturally I began the process looking to merge left. The lane to the left was a turn right or go straight lane. I am looking into my left mirror to see if I have space to merge while also seeing which cars are turning right as I would have no other choice but to make the right turn if there was no opportunity, to avoid a T-bone like situation
I notice plenty of space behind Vehicle A once they passed me up. As I am looking at my mirror, Vehicle A speeds up and doesn’t have their turn signal on, meaning they should be going straight. I slow down so they can pass me up and all of a sudden Vehicle A decides to make the right turn abruptly as if they were late to something. They did not see me, but I saw the car, beeped, and did my best to turn along with Vehicle A to mitigate any damage. We collided with typical fender bender cosmetic damages.
Within 3 minutes between collision and pulling over, the drivers dad shows up out of nowhere and does the majority of the talking for her. He was saying things like “it’s up to you if you think the hassle of going through insurance is worth it” which I took as discouraging going through insurance because they felt they were in the wrong. The cop pulls up and is very quick to deem me at fault without any major details (Vehicle A had police plates lol). Cop gave major attitude when I asked how I can retrieve the traffic camera footage as it captured the incident perfectly. I also was not cited for anything.
I was able to retrieve the traffic camera footage and submit as evidence to Vehicle A’s claim. I was on the phone with the adjuster as she reviewed the evidence with me. She told me it was most likely going to be deemed double fault for “unsafe lane change” and the opposing drivers failure to indicate a turn signal which the footage showed. I understood and was told I’d be contacted before a decision was made.
The claim was closed mid February and I was never contacted, so I assumed the claim was denied. Today I reached out to the adjuster to verify and was told the case was closed and I was 100% liable for “unsafe lane change”. I inquired as to what caused the change from the double fault I was told about to this, and was completely ignored in the adjusters reply as she just stated that she’d resend the letter. The letter is very minimal and doesn’t mention the cause for liability.
I am livid that the driver gets to walk away with nothing on her record for her negligence. I understood no matter what I’d be affected, which I didn’t agree with as the wording makes it seem like I hit Vehicle A as I merged to the left lane when Vehicle A made the right turn that ended up hitting me.
Is this just a poor insurance company or is the lack of communication common with insurance claims?
Embrace - Embrace pet insurance
I got an email for my claim today saying my cat showed signs for diabetes at her exam in sept (I posted a pic of the exam notes on left and the email from embrace today on right). I don’t see anywhere it says she had diabetes. She was throwing up, but vet never said she showed signs of diabetes. My cat became diabetic late Jan, early Feb and is already in remission. Should I fight this (get a note from the vet)? Has anyone heard of successful stories?
National Debt Relief - Working with National Debt Relief, Now Being Sued.
I know I'm calling them first thing in the morning to talk with an attorney, but is there any advice for a situation like this? I owe them just under 14k, they personally gave me a settlement and I emailed it to them (5k settlement) but National Debt Relief never finalized on anything, and now they are suing me.
Medi-Cal - Medi-Cal switched to SSI P??????
Hello all, I am here hoping to find some clarity as to what happened and if I did anything wrong.
For context I am chronically ill and have ESRD (end stage renal disease), I am on dialysis 3 times a week, awaiting a kidney transplant.
For the last 3 years I have had Medi-Cal and it was handled through California DPSS. This has been the case since I applied. Even when I went into kidney failure and went on dialysis, my medi-cal was still handled by DPSS. I even subsequently applied for Social Security Disability and still my Medi-cal was handled through DPSS. I was just hospitalized last month for a week, so I know that my insurance was definitely still active at that point.
Well today, I called my PCP to make an appt and was told my insurance was no longer active. After HOURS of standing in line at the DPSS office, I find out that my medi-cal was transferred to Social Security at the end of March - Without giving me any notice: not even so much as a letter.
I’m baffled… I now have to restart the process of picking out a medical group and all that stuff… how did this happen?? Why?? And did I do something wrong????
Healthy Paws Pet Insurance - Healthy paws pet insurance
Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same?
#healthypawspetinsurance
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