hello! i know my issue isn't major, but I need help as I am desperate to solve this. Long story short, I had medical for the longest time and never had any issues until January when I was informed (when trying to make a dentist appointment) that I had a UMR blockage. I was confused but was told to call medical and get it resolved. I called them and they said to get in touch with UMR whcihc I tried but was beyond useless as they ask for a member ID which I stated multiple time I DONT HAVE, and after somehow bypassing the answering machine UMR tells me they have no records of me ever existing and to basically die in a ditch as they just hunged up on me. I explained this to medical, and they made me fill out a form to remove "other healthcare coverage," and it should be removed (I did this twice, btw). It in fact was not as I tried to make a dentist appointment again and same thing: "UMR blockage. please take this up with medical". I called medical again, and they gave me a case ID and told me to ask UMR for a "coverage termination letter," which I tried to do, but again, they told me, "We don't know you we can't do anything" and hung up on me. I explained this to Medical, and they filled out a form (the same one I did), and it should be resolved, yet I don't know if it actually be. Also, worth to mention one of the workers I spoke to told me that the UMR policy I was under was my uncles, whom I have had no contact since like five years ago and have no connection with at this point, the alleged policy began in 2023 so I don't understand how this even happened:C when I tried to report the fraud to medical they said "you cant report it here, report it to UMR and then we could try to remove the block because until then we cannot remove an active policy by law" But UMR has been beyond useless and I'm scared because I have a cavity and I know its not serious but I am afraid it could get worse Im just trying to see if anyone was in my same situation (which is very unlikely) or if I could get any recommendations on what to do because I don't know how to proceed anymore and this just pmo. Anyways thank you to whoever read this and pls help

Tried adding pics but the rules won't allow me 🥲 Howdy Everyone, I'm posting on here hoping to get some help. Background: My wife and I bought this home about 3 years ago with signs of potential termite treatment( burrowed holes 1ft apart the whole house). We live in a plant hardiness zone 10a? I googled it. We didn't see it as an issue since there was no sign of existent pests or insects. The house was left abandoned for several years though with overgrown grass. The neighbors would take turns cutting the grass since it's a community and thus house was not being kept up. Anyways, we buy it and within a year, we see small ants crawling around the house. We didn't see it as a problem since there weren't that many and it's honestly quote normal to just see a couple of an wondering around. A year later, around spring season, in a couple walls from a room, we see a discharge of trash come out of the bottom from between the walls. It had dirt, dead ants and wings seems to be carpenter ants. Immediately we call a couple of exterminators and they both concluded it was carpenter ants. Ok fine, we went with orkin services which sold us a contract to treat inside and outside. A year goes by and we are still sewing these ants crawling up the house from outside and the discharge every now and then. After constant contacts with Orkin and them coming to treat them we didn't see any progress with them. We decided to not renew our contract. We called and they insisted on sending out a tech to check out the issue. The guy gave me a rundown that it is definelty a carpenter ant and that they need to treat specifically for that..which I though that's what they had been doing. Apparently he said that we had just been getting the common pest control plan. WHAT?!?! The issue is not common pest but a pest specifically!! I got mad, they tried to sell me more services and then a perimeter cleanse and what not. He kept insisiting on selling me the 10k services. Kicked him out the house respectfully and blocked their number. Present: Which leads me to now. I'm now trying to treat the ants myself and bought these terro ant bait stakes, terro liquid ant baits for indoor, and the Terro ant killer shaker bag I've had these for about 3 weeks now and the ant seem to be eating it but there are still so many ants coming into the home. I see them going into the stakes and piling it up with dirt as if they were closing these baits off. Smart Mfkrs lol Anvone have anv more ideas on what I could do? I also tried plugging up the holes but they just creat new ones lol

I’m a 19F college student in Maryland and need a PPO plan because my school is in DC. I aged out of Medicaid, and since Maryland’s enrollment period is closed, I can’t reapply until November-January. I contacted a health insurance agent, but they mistakenly listed me as male on the application. When US Health Group called to verify my info, they corrected the error, and my quote jumped from 140 to 160/month. I am a broke college student with no job. The agent is trying to "fix" it and get us back to the original quote, but I’m worried this mistake of his will bite me in the ass when I'm older as he is now playing with the deductible in case of a life threatening emergency (before it was 8k I'd have to pay out of pocket and now its +20k). I don't know what to do as I've never had to deal with insurance! Should I switch agents, as the gender was a mistake? Please help!

So I hit someone’s car and the damage was very minimal. Just a tiny dent and a scratch. I filed a claim, and the guy I hit said the damage was minimal so he wasn’t going to file one. I called yesterday to cancel and was told by progressive I would get a call today. I get a call and let the lady know I wanted to cancel because of the reason provided. She then gives me attitude over the phone and we hangup the call. What do I do in this situation ?

Last Sunday, I was having dinner with family when a drunk driver left the restaurant parking lot and decided to take my parked truck with him. Thankfully, nobody was in the vehicle, but the damage was significant — around $6,000 according to the repair shop. The other driver's insurance accepted liability and is covering the damages to my truck, which is good. But here’s where it gets frustrating. I live alone in a rural area and have no other transportation. I work weekend shifts (Friday–Sunday) with regular overtime (usually two extra 12-hour days). Because I had no vehicle, I missed work this weekend. The truck was towed to the shop, but they can’t begin repairs until *two Mondays from now*. The insurance company told me they won’t cover a rental car until repairs actually begin, even though their policyholder was 100% at fault and drunk. How is that fair? I'm out two weeks of transportation and potentially $1,800 in lost wages because of this. I’ve never filed a claim before, and I feel totally lost in this process. Some questions: 1. Can I push the insurance company to cover a rental now, not just when repairs start? 2. Is there a way to claim lost wages due to this incident? I have no PTO, and this is directly affecting my livelihood. 3. Should I be speaking to an attorney about this, or is there another route to escalate the claim? Any advice or guidance would be really appreciated. Update- I live in Maine but the accident happened in new Hampshire if that makes a difference.

I am looking to start renting my home in July when I move out of the country. I'm very confused on landlord insurance, though, and would love some help understanding it. Everything on Google says landlord insurance should be cheaper than homeowners insurance since they don't cover the personal property, but from my one quote so far from Allstate it's also looking like they don't cover the actual property either. What is $66,500 going to do for me if my house burns down or gets sucked up in a tornado? (Quote at the bottom) It just doesn't seem logical to me. The lady on the phone said something about requiring renters insurance and that THAT would cover the rest of the property should something happen, but is that true? I am a worrier beyond worrier, and want to make sure everything is protected, especially since I'll be in a different country. Could anyone help me understand what I should be looking for/asking for/quoting for? And what should I be requiring for the renters insurance? I have an insurance broker getting me more quotes at the moment. I just don't want to make the wrong decision and end up getting 1/3 of my remaining mortgage should something happen to the house. 😩 My 1 quote so far: Dwelling Protection $66,500 Premium: $1,390.47 Liability Protection $200,000 per occurrence Premium: $15.00 Premises Medical Protection $5,000 each person Premium: $9.00 Personal Property Protection $5,000 Premium: $5.03 Other Structures Protection $6,650 Premium: Included Fair Rental Income Selected Premium: Included DEDUCTIBLES All Peril Deductible $1,000.00 Estimated Total 12-Month Premium* $1,419.50

Ugh. So a couple of weeks ago there was a crazy wind storm in my state. I had some roof damage so I got it inspected by a roofing company who told me most of the damage was from hail, which was enough for a replacement. I was told to put in a storm claim with a date of loss for the last hailstorm in 2024. I put in the claim with state farm and I was very careful to tell them that the date of loss was for 6/25/24 and it was for storm damage. I received an email after I submitted the claim and the email says "Date of Incident: 6/25/24". 4 days later the claim is assigned to an adjuster, and we schedule an inspection. Today he comes out for the inspection and he has the date of loss as 3/14/25 and wind damage. He said he cannot make any changes and tells me to put in another claim. Claim is denied because of not enough wind damage. Again, I was very careful when I put in the claim and I never said anything about wind damage or a date of loss of 3/14/25. Somehow the claim details and date of loss were changed between the time I put in the claim and the time it was assigned. I still have documentation (an email) that shows the date of incident of 6/25/24, but if I look at the claim online it shows 3/14/25. My local agent is supposedly working on this but I'm not too optimistic. What are the chances this can be resolved and I won't have to put in a second claim that will potentially cause negative effects to me? UGHHH

Title pretty self-explanatory. A lady hit my car in the mall parking lot while I was inside shopping. Car is a 2005 Chevy Malibu with 306K miles on it and a few minor dents and scratches. The damage caused by the lady who hit my car is significantly worse than any previous damage incurred and exceeds the value of the vehicle, so her insurance company wants to deem it a total loss and offer about $2K. I took the vehicle to a body shop to get my own estimate, which came out to be $3.7K. Insurance company doesn’t want to budge on previous estimate. I get that the car is old and not worth anything, but I’ve learned how to keep it running and can afford its maintenance. I can’t currently afford to get a new or spiffy used car, but I’m also not sure $3K is enough to get a solid cash car that won’t break down on me. I also live in Georgia, where having a salvage title isnt really an option. What would you do in the predicament? Any advice is appreciated.

Bought our townhome 3 years ago, had home inspection, etc. Home was built in 2011. Ryan Homes, should have known as they are known for being built terribly. Fast forward to now, looks like the corners of most window frames (wooden part) are rotting away. Again, this house was built in 2011! I now see when we bought it, the owners must have had the defects covered up with caulk and paint etc. Is this something home insurance would fix? I'm sure the building warranty is expired since it's been more than 10 years since it was built.

I am 24, and I got my license at 19. In the past 3 years I have had 3 accidents, 2 of which the car was totaled/not worth repairing. We have Geico, and to renew the plan with me on it they’re charging is about 8k per 6 months, or about 1300 a month. When my dad tried to shop around, the only other company willing to take us on with myself as a driver was Progressive, and when all the details were filled out they wanted to charge us even more. Since I am a member of the household with a license, I have to be on any car insurance plan he gets. We have two other cars, so selling my car wouldn’t impact my dad. I was thinking that after selling my car, I could use the money to pay for ride-sharing. Also: if I turn in my license now and try to renew it next year, will the premiums go down or stay the same?