My car is being considered Totaled based on the accident photos. To determine the value of the car the adjuster is asking me to take pictures of the inside of the car only. I requested for them to send someone over to look at the car in person, and they say they don't send appraisers to look at cars, that they only base it on the pictures. They said that if I wanted to get the car repaired that I can, but they would consider it as "Salvaged" and there's a process for that. They would send me a salvaged title, etc. Wouldn't they assess it lower based on inside images only? What about the rest of the car, they don't care about it? What can I do about this. I have also let them know I paid for my registration, bought some new lights, tires, etc. recently, and they asked for the receipt of these items, which I will send but how can I know that I'm not being offered really low? What makes me the most concerned is that I had a body shop come see the car and they tell me that they consider the car's value much higher than the repair. This is why I wish they could bring someone over instead. The car aside the accident part, is in great shape, why can't they be fair and bring someone to do this properly? This is being done by the other driver's insurance.

**Context:** Policy Information • Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Posted yesterday here: [https://www.reddit.com/r/Pets/comments/1jttro5/healthy\_paws\_pet\_insurance\_warning/](https://www.reddit.com/r/Pets/comments/1jttro5/healthy_paws_pet_insurance_warning/) *"I understand that premium increases, like any increase in something we use or pay for regularly, can be a stress financially. Our goal is to keep your premiums as low as possible while still providing the policy’s features and benefits. Premium rates are based on many factors, including the increasing cost of veterinary medicine, the pet’s age, breed, sex, and zip code. Insurance regulations require us to charge a premium that is sufficient to cover anticipated claims. Premium increases are filed and approved, where required, with your state’s insurance regulator.That being said, you do have options for decreasing your monthly premiums.  If you would like to decrease the cost of your monthly premium, you can do so by assuming more financial responsibility in the cost of your pet's health care. You can do this by increasing your pet's coinsurance and/or annual deductible.  If you would like more information on those options and what those premiums are, just let me know via replying to this email and I will be happy to send those over to you.If you would like to speak with me to review the matter further, you can simply reply to this email noting a few dates/times that work best for you, and I will be happy to call you back at your desired time. Please note that I am available Monday through Friday between the hours of 8:00 am - 4:00 pm Pacific Time."*

Hi, I'm trying to reduce the chances that the insurance company not counting the copay card payments toward my deductible or out-of-pocket maximum. Does using their specialty pharmacy make that more likely? In other words, are they more likely to side with the insurance company? I'm with Anthem through the exchange, and their specialty pharmacy is Carelon. I read that accumulator programs have been banned in Nevada starting in 2025, but even the representative I spoke with at Carelon said that's not the case. thanks Matt

Not really sure the best place to post this question. My health insurance fully covers labwork, which I confirmed with them prior to getting an MMR immunity test earlier this month. As in they couldn't find anything in my coverage about specific tests because I have 100% coverage. So day of my appointment imagine my surprise when the phlebotomist at my doctors office says I owe $40 to quest for the lab work(in addition to my $25 copay that I paid at the front desk). I thought it was weird, but figured I'd get a refund when I got my EOB. So I hand over my debit card, she enters the info on her computer, draws my blood, and then I go on my way. Today I get the EOB for that visit and it says, as expected, I shouldn't have paid anything for that visit. So I check both my bank accounts only to find there is no $40 charge for Quest anywhere. And then I remember the same thing happened in January with Labcorp. I went to a physical Labcorp location for bloodwork ordered by my dermatologist, they said I owed some amount upfront, I handed over my card, then when I got my EOB it said I owed nothing, but when I checked my bank statements there wasn't a charge from Labcorp at all. Nothing the day of, and nothing on subsequent days for a refund. What is happening? Are they somehow able to void the charge so that it completely disappears from my bank statements when it turns out my insurance fully covered it? In the future I'm going to be getting screenshots of any posted charges(and asking for a receipt), just to prove I'm not losing my mind. If they didn't charge my card on the day of my appointment, would they have charged it later upon learning I did owe something. Can they even legally charge my card at a later date, or would they have to send me a bill in that situation? With the Labcorp charge I thought maybe I'd misremembered paying because I've been getting lab work there for years and never even had to stop at the front desk. My insurance at work did change from UHC to BCBS this year, but our coverage stayed the same. But I know for sure I handed over my debit card to the phlebotomist at my doctors office and watched her enter the card information on her computer. Though I don't remember if I got a notification of the charge on my banking app. Do I still have to keep giving them my card if I know my insurance fully covers lab work but for some reason they are lying and saying I owe money upfront and then the charges are vanishing?

Our older Bernese is insured through Trupanion, which has been very easy to work with on hi lymphoma. So far they've covered chemo really well, and we're even considering a stem cell replacement therapy (which costs $75-90k) and it seems like they will cover that as well. We are thinking ahead for our younger berner, Leela and are going to purchase pet insurance for her. Trupanion has been great for Jackson, but for some reason they are 3x+ as expensive as other options ($600/mo for 90% coverage and non annual limit). We're also looking at Figo, Pet's Best, pumpkin, and Prudent Pet. Important considerations are unlimited annual payout & a 90% coverage level. Berners tend to get cancer, and we want to make it an easy financial decision to get her the best care possible if that happens for her. Do you have experience with any of these insurers (or have others that have been good to work with?) Seems like there are many many options, and would like to avoid picking one now that is difficult to work with down the line. Figo, pumpkin, and Prudent Pet are similarly priced at around $130-180/mo. Pet's Best is coming in way less expensive, $90/mo for a $500 deductible and $55/mo (!) for a $1,000 deductible. Particularly interested in any of y'all who've gone through cancer treatment with these carries. How has it been?

Hi All, I’m here to both give a review and also ask a question. I’ve had lemonade insurance (wellness + accidental coverage) for about a year & 5 months now. At first, I really enjoyed it and didn’t have any issues with them, now I wouldn’t recommend if you have a pet that is known to get into incidents. I adopted my dog from a previous family who conveniently excluded his PICA issue. He is a 3 year old cavapoo who is notorious for taking anything he can get his hands on (socks, underwear, hygienic products, etc) and swallowing it. He’s had 2 surgeries (1 in March of 2024, and another in June of 2024). His first surgery was pre-policy and he was not insured with Lemonade. His second one I did receive reimbursement. We recently just went through another scare now in July 2025 (we have a behavior consult soon and take serious precautions, he is just VERY VERY sneaky) but thankfully, he was only hospitalized with fluids and passed the clothing in his stool, NO surgery was performed. Now, Lemonade is denying my claim to cover the costs of hospitalization due to “Foreign material ingestion being determined to be a Recurring Condition, which is not covered under this policy.” I reread my policy, and this is the exact language on it: “Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date.” I’d like to add the claims specialist also got his medical records incorrect in her summary and argued that the decision was also based on the surgery that happened in March BEFORE my coverage took place. I got her on the phone and corrected her inaccuracies, but she is saying based on the recurrent conditions definition, those 2 incidents (March 2024 and June 2024) fall under the “18 months prior to treatment date.” From my understanding and the actual explicit language of the policy, how can the March 2024 surgery be considered if it predates coverage and there’s no legal language stating that pre-policy incidents are included?? Am I crazy or should I escalate this with DFS??, I am in NYC. Any lawyers’ thoughts welcomed!!

Hi everyone, I got to this forum after seeing some "NW mutual life insurance is a scam" posts and i'm not sure if I got scammed. I was in medical training when a financial adviser told me about getting disability and life insurance.. with NW mutual... I'm 35 years old, very healthy, I pay about 87$ for 2M Term to 80 policy with no annual dividend. And my premium for disability is $110.. Looking for advice if I should switch to a different broker (if thats an option) or just general advice.

In early 2024 I made an appointment to start seeing a therapist, specifically one that my insurance (Cigna) listed as one accepting EAP. I called the office and confirmed with them they do accept EAP, so I scheduled an appointment. My six EAP covered sessions ran out around September 2024, so I called my insurance, got a new code for six more covered sessions, sent it to the office by both text and email (and also over the phone to confirm it was correct). Come March 2025, I’m on my last of the second round of therapy sessions covered by EAP. I check in at the office for my sessions, and they tell me an owe around $300 for my last several sessions. Confused, I tell them that EAP covers my sessions aside from an establishing bill of like $69 once a year. The office tells me they do not accept EAP and that I’m overdue on my bill. I have never been told, in all the times I physically check in for my appointments (I never do virtual) that I owed anything. This is the first I’m hearing about it, or that they do not accept EAP because I confirmed when I made the very first appointment that they did accept them. Hell, I had called to give codes for each batch of six sessions. Now, if they had told me this sooner, I would’ve stopped going to find someone else. Not a big deal, it’s their business and they are allowed to handle it however they want. But it feels really shady to suddenly spring a mystery bill on me and say I’m overdue for the last six sessions. They had six months to tell me when I came in or email me or call me. I showed them all the proof of me contacting them (I always leave paper trails) about the EAP codes and confirmations it was accepted. The legal advice I’m seeking is, is it legal for a provider to do that, suddenly stop taking EAP and secretly bill you without informing the patient? I’m assuming they will drop my bill once they review my evidence, but if not, can I legally ignore that bill (if it even comes my way at all)?

I’d like to know what insurance claims have been requested on a home I’m closing on. It just seems smart to understand what has occurred with this very large purchase I’m making. I asked my insurance company for this and they said they aren’t able to see that, which I know has to be a lie? Isn’t that the primary thing they look at when underwriting? Is there any way I can get this information?

I was rear ended last week while driving my 16-day old 2025 Subaru Outback Premium. The other driver was in a Hertz rental vehicle and his car was 'insured' with his Chase Business Ink Preferred card but that does not include liability insurance, and he does not have personal car insurance otherwise, so he does not have any insurance to cover the damage to my vehicle. He apparently lives fulltime in Israel although I think he is also a New Jersey resident. It is not clear to me how he could legally be driving a rental vehicle without liability insurance or how Hertz rented him a car without it but that is more of a side note since regardless of the circumstances he does not have liability insurance. I spoke with my insurance company, Geico, and they are directing me to go get my car fixed, to pay the deductible, and that they will confirm he is not insured and then pursue him personally through collections if needed. I am still waiting for the Geico coverage team to reach out to me since they apparently want to confirm this isn't a fraudulent claim as the vehicle and insurance are brand new so I am waiting to get the car repaired in the meantime. I did visit the Subaru mechanic earlier in the week and they thought that in addition to replacing the back bumper there is likely damage to the frame based on a visual inspection. Of course, they won't know anything for sure until they open the car up and look. They recommended that I make a claim for Diminished Value since the car is certainly worth a lot less than it was a couple days prior- I haven't even made my first payment on the $35k loan. I asked Geico about a Diminished Value claim but they told me that the claim needs to be filed against the other driver's insurance and that basically it doesn't have anything to do with them. I do have $250k of Uninsured Motorist Bodily Injury/Supplementary Uninsured Motorist but apparently that doesn't do me any good (my car and insurance are New York). I have been in contact by text message with the other driver but I'm highly skeptical that he would pay me thousands of dollars out of pocket on top of the other liability that he has since his proposal to me was that I run this all through my insurance and he sends me $500 for the deductible "to make me whole". What are my options moving forward? Do I engage an assessor after the repairs are complete so that I have a record of the diminished value? Maybe it's better that I get a lawyer who has experience with this and can manage the court process for me since this will almost definitely go to small claims court?