(Head's up this is a long one) So, I recently got a letter in the mail saying I had a late payment for my healthcare premium although I've set up auto-pay and only recently got it reinstated in February. After calling customer support last Friday, they explained that after looking at it my old (terminated) account was still showing as active and was registering that I had been delinquent on those payments and that was the reason I had received the late payment notice. They told me I actually owed $0 and it was a system error. So, I went ahead and paid my rent early and put it out of my mind thinking it had been solved. WRONG! I then got a call yesterday saying that actually, "upon reviewing your account" I actually did in fact owe $999 by the end of the month or my account would be terminated. Is that not crazy? Are tIhey really that money hungry? I've filed a complaint with them but other than that, what else can I do? I'm considering just letting my account terminate, backpay for the one prescription I received and just starting new coverage next month but will that reflect poorly on me? I'm just not sure what else to do.

Does anybody know or have had a awful experience with State Farm? They have kept my car at a body shop. It was a front end collision. They fixed all the outside of the car. Even things that did not need to be replaced. When went to pick it up it was not drivable. We told them at the time of the crash that they stability. Track went out. They refused to fix that. They told me to have it towed to my dealership. And guess what? I can’t get a hold of their roadside assistance. And every time I call they act like they don’t even know Like there is no claim! How can that be? They still have my vehicle at the shop.

Location: North Carolina Ill glve you guys the short story. Was in wreck back in November. Not my fault and my car was totaled. Called the other parties insurance, they gave a story that the other person didnt have insurance since August. Went to my insurance to file the claim and my insurance was lapsed due to failure to pay. I was behine 2 months. So they dont want to fix my car. I still owe 20k on my car. Anything that i could do besides let my credit take a hit?

Hello, I am hoping someone can provide a bit of guidance as I’m a bit confused as to how my most recent claim was handled. My Labrador has been on a fetch (formerly PetPlan) insurance policy since she was 12 weeks old. No issues with preexisting conditions and fetch covers a lot that some other insurances don’t when it comes to congenital issues. Recently she had to have TTA surgery to repair a torn knee ligament and we just got our reimbursement approved for the treatment I noticed I was about 100 dollars short in my reimbursement, but received no communication that they partially approved or denied any part of the claim. I went and checked and they coded the surgical anesthetic medications under “prescription medication” and allocated all medications used during the surgery as prescriptions, which was applied toward the 1,500 sublimit I have on my plan for prescriptions I have never seen this before and every single communication/review about fetch talks about how they covered surgeries in full and all that jazz, and it seems crazy to me that the anesthetic medications necessary for surgery would be coded the same as prescriptions and would prevent me from receiving a full reimbursement. Has anyone else experienced this with Fetch pet insurance? I’m just concerned because it is likely she will need her other knee done and if it happens within the year then this entire surgery would have killed the entire prescription sublimit I have on my policy (that was also never communicated to me in the time I spent on the phone with the customer service agent)

I've posted about my claim before. Insurance company low balled me on the settlement for my stolen car. Offered me 23k total I didn't agree, they didn't want to negotiate and told me to invoke appraisal clause. They rep calls we over a week later and told me good news their appraiser came up with 26k and something. Told me I don't have to get an appraiser anymore. Sounded good to me. Next day I get a call, they made a mistake and weren't supposed to tell me that amount since that's the amount their appraiser came up with for when I actually invoke the appraisal clause. I'm confused so I have two questions: Can they legally backtrack like that after they already told me I didn't have to get an appraiser and the amount they were at? And also, technically if I get an appraiser he or she should be able to get me more than their estimate right?

I have a 2015 Toyota RAV4 and I still owe 12,000 on the vehicle, Just got it last year. with that being said I was in an accident on 3/6 and their insurance company wants to claim the vehicle as a total loss... my question is what if they don't give me enough to cover the loan? I am pretty stressed because the accident was not my fault at all. it is going to liberty mutual does anyone have any idea?

Hey guys, im soon to be getting a golden retriever puppy and i need some help with pet insurance. Ive narrowed it down to fetch insurance because theyre the most affordable without the worst reviews. I have seen some chatter about them denying claims but since im registering my pup at less than 8 weeks i figure that they cant deny due too some bs like "previous conditions". Am i naive for thinking that? I was quoted $120 a month for an annual payout of $15000, annual deductable of $300, and reimbursement rate of 90%. Let me know if you think that i should adjust these values as i picked the highest cost options across the board. Still $40 dollars cheaper than trupanion lol. I am also considering the wellness plans but im not too sure of the value. Could you guys weigh in on if i'll actually need all of these things done every year and if i'll save money with it? The annual "savings" are $735 for all that stuff listed but the annual cost of the plan is $563.52, so i'll really only be saving like $170 bucks for the most expensive plan if i understand correctly. There seems to be alot of bloat but ive never had a dog before so who knows. I live in Canada if that matters, thanks guys.

Good morning, So on my way to work I got rear ended at a traffic light and me and the girl who rear ended me pulled over. She apologized profusely saying she assumed I was going to run a red light. We exchanged insurance info and number. She then started texting me begging to not go through the insurance for this and that reason and that she’ll pay me $500 out of pocket if we don’t go through the insurance. I refused and went through the correct route of reporting it to her insurance… but after a couple weeks of waiting, they denied my claim reasoning that I made an unsafe lane change which I didn’t. I did swap lane from left to right and as I was merging the light turned yellow and I eased in on the break to a stop… she assumed I will run the red light which caused the crash. She hit me on the rear end and most of the damage is in the left side of my car… I showed their insurer the texts exchange between me and her… I also reasoned that it’s untrue that I made an “unsafe” lane change because why would the damage to my car be on left side? So I’m wondering what my options are? Thank you for listening!

I have a Pets Best insurance policy on all three of my cats, and on one cat who has passed. I have had good experiences with the company who has saved me thousands in bills (across four pets). I have been a pets best customer for over 6 years. I just got an email saying that one of my cats premiums will increase from $225 to $378 dollars a year. The only reason they give is that he's a year older (now four years old). I am wondering if anyone has experienced a similar jarring increase. Will it be the same for my other two cats? Does pets best negotiate premiums? Is there a cap or should I expect this annually? I know there are issues with getting coverage for preexisting conditions so changing providers for this car isn't an option, but I could explore different coverage for my other pets. Please advise. Thanks!

Hello! I was in a no-fault accident pm 2/25/25. The lady ran the red light and hit me. Here's the thing, my car is a 2023 outlander PHEV (57k miles) that just came off the lot and still had temp tags. I had the car for two weeks. Market value for my car states anywhere between 28k-32k. I called around to local banks as well to make sure I wasn't wrong in my numbers. Root insurance is only wanting to offer me $23,660. My car was in EXCELLENT condition considering it just came off the lot yet they listed it as Average. Additionally, they have forgone alloy wheels on the report for what ever reason. Am I able to dispute this? I already consulted a lawyer for the personal injury portion.