Located in Oregon, USA Short Term Disability insurance related to parental leave I took parental leave from work in 2024. My job/company is entirely remote, so my employer uses a benefits manager, JW, for payroll and insurance, and a third party administrator, Sparrow, specifically to manage short- or long-term leave, kind of like a concierge service for employees (because rules vary significantly from state to state). I signed the things that Sparrow told me to sign. I was supposed to be paid from the state, from private STD, and topped up by my employer. I didn’t have a STD policy of my own; I was told that my employer took out a STD policy on its employees. Payments were confusing, delayed, and as a new parent I was not paying attention. I didn’t tally things up until recently to do my taxes. I’m missing a 1099 from STD so I called Sparrow, who said go to STD, who said go to JW, who said there was no STD policy for me… but if there was it should be in my W2. Taxes were withheld from STD so I said regardless of how we got here, I need an accurate W2, which is in the works. And it looks like I was overpaid by the STD amount. Lo and behold, today I got a call from the STD company saying my STD claim was denied and submitted for overpayment. I kinda laughed… I’d just been signing paperwork and living my life. How the heck did they approve and pay a claim on a policy that does’t exist? And why did Sparrow/JW request that money? And why was I told it was my company’s policy? So I told the STD company that they can recoup the money from one of the benefits managers. This strikes me as an unenforceable request for repayment from me, but I don’t know what I don’t know and would appreciate any insight about how to navigate this. Thanks in advance.

I currently have Spot but they decided to raise my premium with no real extra benefit (as most insurance companies do around this time of year). I am now getting charged around $40 a month for a $500 deductible, 90% reimbursement after deductible and no preventative care. Is this fair? Also if anyone has actually filed a claim and been satisfied with the company/experience which was it? Any company I should avoid all together? Insight would be nice! (side note: I was looking at Progressive coverage since I could bundle with auto but idk if that's a good idea)

It takes them weeks to review claims. My dog had a diarrhea cause by a bacteria. My claim and appeal got denied because my dog had a diarrhea in 2021 and needed to prove that it’s not related. I even got a letter from my vet saying it’s a bacterial infection

Hi everyone I posted here a few weeks ago with issues regarding Fetch Pet Insurance (formerly Pet Plan) and I have just had an absolutely awful experience with them regarding my dog’s recent knee surgery Basically, they are rolling out a “prescription sub-limit” on all of the policies they can and using that to cap any and all medical expenses as they relate to medications at 1,500 dollars. This includes any medications administered by a veterinarian and as I’ve been made aware, it includes medically necessary surgical anesthetic medications. During my enrollment call and upon reviewing my application of benefits, I was only made aware of the coverage I purchased. 10,000 dollars reimbursement, 80% reimbursement rate, and a 500 dollar deductible. There is no language on my application that indicates a sublimit. I just got off of a call with a supervisor reviewing my claim review and also my issue with this sublimit (as it was not reviewed with me in my enrollment call like it legally should have been per my enrollment application) The gist of the call was that “we can’t go over the whole policy” and that “we’re sorry you feel that way” even though the language of the application states in the agreement section that “I have been advised and have had the various other coverages and limits available to me under this policy fully explained. It is my decision to purchase the Coverages and limits set forth herein” All in all, if you plan to purchase pet insurance out of fear of surgical needs or expect for your coverage to be that which you go over in your enrollment calls, do not go with Fetch Pet. They are deceitful and intentionally vague in their policy documents and apply sub-limits without disclosing them to their plan purchasers. Thankfully, Fetch has still lost money on my dog due to the expensive nature of her surgery. But I will be looking at all my options when enrollment time comes around and consider switching because this company is unprofessional and blatantly lying to their customers. Now I have hit the sub-limit after one surgery and if my dog were to need another surgery this year according to Fetch I am SOL. If anyone has enrolled in Fetch this year or last year, please review your policy documents and let me know if they applied a sublimit to your policy (and whether or not the enrollment agent informed you of that sublimit)

Is anybody else's Figo insurance going up 40% in 2025? My rate is going from $425/yr to $700/yr. I reached out to Figo and they blamed inflation of all things, saying nothing could be done about the price. I was told Figo was one of the better companies by all my pet owner friends & family, but they have never covered a claim and at these rates it would be cheaper for me to just put aside $50/mo. Really frustrated and looking for advice.

So I recently opened a new policy with GEICO for my car. A few days after opening the policy(march 2025), they added a driver without contacting me or giving me any notification. That alone increased my premium $450. The driver that was added is my GF that doesn’t live in my household or is licensed to drive(never got a DL). They claim I added her in a quote but i didn’t quote with them since ~Nov-Dec 2024(she visited during this time and left in Jan)I know you’re supposed to include any person in the household in a policy due to liability but I’m currently living alone. GEICO also claimed that they use “DMV records” to add drivers to policy on behalf of the customers if we didn’t do it already. That couldn’t be the case since my GF had no affiliation with the DMV in my state. Any advice on this matter would be appreciated

Was driving on the freeway and a ~2 inch rock came out of their un-tarped trailer and hit my windshield at about 65 mph. They did not have a rear license plate visible. Front registration plate was orange and I believe it to be an Oregon apportioned truck plate. I was not able to get a clear picture of their plate. I spoke to our state police and they gave me a case number for insurance purposes. Went to file a claim with Progressive and it turns out my deductible ($500) is more than replacing the windshield ($388) so they just recommend I pay for it without insurance. Shouldn’t the other truck’s insurance be paying for this?? I don’t know what to do other than pay for the replacement out of pocket and hope to make contact with the other party’s insurance after the fact. He wouldn’t stop as I tried to get his attention but I was able to take some pictures… on the side of the rear trailer is a logo for “The Shaw Group” and some sort of identifying number (T1210xx… censored for this post).

Hey guys , so this happends to me , My son was involve in an car accident last year (few months ago). He was driving his scooter to school on a traffic light he make an line change and got hit by a car(He is a Minor).After few days we got the police report saying that was my sons fault. Nearly January I receive an letter from NCS saying that I need to pay them 14k！The insurance of the other guy was nationwide. It was just a small accident so this looks not normal to me. Being an minor and on an scooter on his way to school hitting by a car was very stressful and know we need to pay over 14k out of my pocket. Just want to ask if NCS a scam? Should I pay the balance?

Hi everyone, I’m hoping to get some advice on a situation that’s gotten pretty stressful. I live in San Diego, California. About two months ago, I was driving around 2 a.m. when a pedestrian ran into my car. He was running across the street diagonally, apparently intoxicated, and hit my car right as the traffic light turned green. I called emergency services, and he briefly lost consciousness but regained it and was taken to the hospital. I also have a witness who saw the whole thing and gave me their phone number and statement confirming that the pedestrian caused the accident. At the time, the police report clearly said the pedestrian was at fault. My insurance company (Geico) told me they would handle everything and assured me they had collected the report and all the relevant information. Fast forward to now: the pedestrian hired a lawyer and is suing me for bodily injuries. I just received a letter from Geico informing me about the lawsuit and requesting my statement again (even though I already provided it right after the accident). It seems like only now they are actually trying to gather the police report and contact witnesses. I feel that Geico hasn’t been proactive at all and may not be acting fully in my best interests. In the letter, they also mentioned that I have the right to hire my own attorney, and if I do, they will communicate directly with that attorney instead of me. My main questions: Should I hire my own lawyer in this situation, or is it better to just let Geico handle it? What are my chances of recovering my insurance deductible from the pedestrian, given that the police report and witness both confirm he was responsible? Is it true that a police report can be easily dismissed in these cases? Could hiring my own lawyer make this situation worse or “bigger” than it already is? Any guidance, suggestions, or similar experiences would be greatly appreciated. Thank you so much for your help.

Hi all, I keep running into an issue where my auto insurance is OK then it goes up eventually which makes me want to look around. This past year I've been on a mission to reduce my expenses as much as possible. I cut a lot and the auto is a pain because I lock in a price then when I get it all set up it goes up eventually later. I got advertised a commercial about a site that offers "wholesale" insurance prices that apparently is cheaper because no middle man. I didn't recognize the site so to me it seemed weird so I avoided. I looked for a local broker in my city but they only rep a few companies, one I gave my info to like vin and they never sent me a quote or anything but I got an email that showed they were looking for rates on the carrier sites. That company appears to be out of business now, my city doesn't have many options with local people that can compare rates. Is my best bet to call bigger places individually like geico etc and just change companies each year when the premi