Hello. Hoping someone can provide some advice on my next steps. The short version: I bought my house in 2016, at that time State Farm determined my house to be 5000 sq ft., it’s actually 2500 sq ft. Due to them thinking my house was twice the size my annual premiums were higher than they should be. This all came to light this week. My 2025 premium is now $600 less than originally charged. My agent is aware and admitted the mistake but has also told me there’s nothing they can do to recalculate the historical values of my house with the correct square footage. Do I have any recourse to get refunded for the past years I’ve paid the incorrect amount?

On March 11th, 2024, I had an outpatient surgery procedure done. Flash forward to today, April 8th, 2025 and I just received a bill for over $3000 for this surgery. The bill states that the surgery cost overall was $20,000 and my insurance at the time paid for ~$16,000. I was covered under United healthcare and this coverage ended about 5 months ago. Here are my questions: 1. Why am I just getting this bill now? Is this even legal? (I live in WI) 2. What would be the first step to getting this figured out?

Location: Georgia Two months ago, [I posted here](https://www.reddit.com/r/legaladvice/comments/1ikves7/frustrated_with_attorneys_lack_of_communication/) about my legal case, and I’m finally seeing some traction. However, as my attorney is preparing to file the statement of claim, I’m getting minimal explanation about his legal reasoning, and I’m concerned he may be rushing my case. Here’s where things stand: * My attorney initially filed for Magistrate Court, but after withdrawing that case in December (just days before the court date), he mentioned we should pursue Superior Court instead. * This past week, he drafted a second statement of claim. When I pressed him with questions about how the law applies to my case, his responses have been minimal, often just one or two sentences. * I believe my case, while complicated, does have grounds for pursuing punitive damages. However, the statement he drafted only outlines compensatory damages. * In my last email, I asked him to explain why punitive damages would not apply to my case. His response was simply, "I don't think it applies," with no further explanation. Additionally, he mentioned that Magistrate Court in Georgia is capped at $15,000, but earlier he had said he was planning to file in Superior Court. I’m assuming he plans to file next week. I’m planning to call ARAG Legal (through which I hired him) and consult with other attorneys for a second opinion. I’m feeling extremely frustrated and unsure **whether I should cut my losses or trust that his legal reasoning is sound** and proceed to move on with the case. **I would appreciate feedback on the strength of my claims, potential damages, and whether filing in Magistrate or Superior Court would be more appropriate for my case.** >**Case Information:** This case involves a breach of contract with elements of constructive eviction. >I was a tenant at an apartment complex from 2017 until December 2023. In March 2023, a new property management company took over the complex. In June 2023, I signed a new one-year lease under the new management. >Over the next eight months, I was improperly charged approximately $5,700 in various fees, including: >Late fees >Charges inconsistent with the lease terms >Early termination fees >I made several attempts to resolve the billing issues through documented communication (five emails), but the management did not correct the charges. >Due to ongoing safety concerns and unresolved billing issues, I chose to terminate my lease early in December 2023, sending certified letters to both the property and regional office. Unfortunately, the incorrect fees were eventually sent to collections, which negatively impacted my credit. >Safety Concerns / Constructive Eviction: Starting in June 2023, I reported multiple instances of loitering around my apartment, including one individual repeatedly sitting on my apartment steps and leaving trash. Despite repeated requests for increased security measures, no action was taken. >On October 31, 2023, a guest staying with me had their car stolen (police report filed). Residents living directly below me were implicated in the theft, and afterward, I experienced retaliatory behavior that made staying in the apartment unsafe. >

I bought a 2014 Chevy Silverado and I wrecked around the 1st of march I have full insurance coverage and my insurance has totaled my truck. I have had a couple of mechanic friends look at it. They are telling me that it only did a couple thousand dollars of damage. Yet the collision repair center said that it did a $9000 of damage. I told the insurance that I want to buy it back. But the insurance company is telling me that I have to pay $3700 out of pocket before they will let the truck go. I had full coverage insurance and I thought that they were supposed to pay it off first. Doesn’t the insurance company have to pay it off then send me the rest? Also I put a massive audio system in the truck. $300 alone in wire. They said that I need to put a factory radio In it before the take it back. Isn’t that a load of bs? Location: Claremore Oklahoma

Hey Everyone! I brought home a new kitten on February 14th. We went to our first vet visit on February 15th. I uploaded the documents within a week of our visit and started the claim process the same day, to give my vet time to send their paperwork. As of today, my claim is still not finished processing. I was told their email system was down and they're now processing claims in the order they came in. I was also told they have a 40+ day SLA to get it done. Seriously? 40 days to process a "fast" claim? Why advertise speedy processing if you internally have a 40+ day SLA? End Rant

My cat is getting up there in age so now I'm trying to find a good pet insurance for her. I'm mainly looking for one that would also cover dental. I've been looking at Spot, but lots of people have said it's a scam, and from what I've heard AKC insurance doesn't cover dental.

I am currently a policy holder with Geico and have have owned my car (beater) and insured with Geico since last 7-8years. Today I got a phone call from Geico for a claim against me and it got added to my account. (I have no current relation to this vehicle and the date and time that they mentioned I was in office) Background (Spring/Summer 2023): * I was briefly on my family member's insurance with Geico \~2years ago * Family member sold/transferred the car to the new owner \~2years ago * Family member did car's transfer paper work including release of liability * The new owner did confirm that they went to DMV and transferred the car under their name within the 10 business day period * Family member canceled the Geico policy which I was part of as well (secondary driver) since I would occasionally drive this car (there is an email confirmation from Geico for cancellation of the policy, also \~2 years ago) * To reconfirm family member spoke to DMV agent through chat and they confirmed the car's title and registration was not on their name anymore (however due to privacy they didnt mention the new owners name) - Their is saved transcript from \~2years ago But \~2years later a claim gets added on my Geico policy for this vehicle. At this point this vehicle ownership is not under me or my family. The vehicle was sold/transfer to new owner back in 2023. Assuming the new owner that took the ownership of the car got into an accident but I have nothing to do with this. Spoke to Geico and did not get clear instructions at first and then the last customer service agent tells me to provide proof that there is no relation to this vehicle. I and family member who owned this car previously not sure how to handle this situation. Anybody experienced anything like this before? Appreciate any comments

so I’m on Medicaid since I’m not working due to my finger injury. I got my surgery done a few months ago and they send me a bill today. I literally thought everything is going to be covered by the insurance. Maybe I should’ve asked questions ahead of time, but I wasn’t aware of this since I know few people who got surgeries and it was covered. I’m not working right now as well since my finger is still not healed. I don’t know what I’m supposed to do right now. do I contact Medicaid or the surgery place? Not sure. by the way, my insurance is Blue cross complete of Michigan. My insurance did pay for over half of the bill but just confused why it wasn’t covered completely.

I'm going to keep this as short and to the point as possible.. Before my job forced us to change insurances, my BCBS plan had an all inclusive copay, meaning when I visited my specialist(or anyone for that matter), I paid $70. That was it. I had been getting bimonthly infusions that cost just under $10,000. All covered under the $70 copay. Rad. When we were forced to switch, we had our choice of hundreds of plans. I tried SO DAMN HARD to get insurance plans to tell me what my infusions would cost under their specific plans and got stonewalled every step of the way. I had all of my billing codes and everything. Long story short, I ended up choosing one that I believed had a similar setup to my last plan: all inclusive copay. Turns out, it is, but they are trying to bill me for the prescription used during the procedure($9,000+). I have to pay for that($300 specialty tier med) AND the copay. They couldn't explain why that is a loophole. My infusion is a buy and bill, which means it is billed under MEDICAL, not prescription benefits. What am I missing here?? TLDR: "All inclusive copays" have loopholes apparently?

Got into a crash in the state of FL, parked in a parking spot and had to realign myself to be straight. The parking spots are aligned at a 45 degree angle. I reversed just enough that my rear wheels were visible, there was no vehicle next to me parked that could’ve potentially been blocking the vision of my vehicle, I was in the travel lane and as I was about to shift into drive, a vehicle driving westbound hit me in my rear-end and spun me around facing the opposite direction of travel, the whole back end of my vehicle is smashed in and not drive-able. It’s a 15mph travel zone and safe to say nobody drives 15mph through this spot. The damage of my vehicle definitely looks like more like 25-30mph. Cops talked to me and other driver but in the written statement wrote that I was reversing and then got hit which wasn’t true. Also said that it’s a no-fault state and so she could’ve written me a ticket. I’ve only had the car for barely a month and paid $3k for it, I have progressive insurance at the state-minimum required. After the crash my back and shoulder hurt. I just want to know what can I do, any help is really appreciated because I need a new car as soon as possible. Location: Florida