I recently lost all my belongings due to mold in my house that I lived in July 2023-February 2025. I got insurance starting August 2024. I became very ill and moved in with family Dec 2024, returned to the room in Feb 2025 to find it covered in mold after a bad storm. I was not aware that the mold was causing my illness or that there was even mold in my home until Feb 2025. It’s looking like an almost complete loss of my belongings. My insurance company manipulated me into stating that the date of loss was Feb 2024, when I made a maintenance request to fix a leaky window. I didn’t understand the implications of this and the agent was kind of pushing me to agree that Feb 2024 was the “date of loss” and not Feb 2025, because that was the first documentation I had of a moisture issue in the house. The next day she tells me it’s unlikely I can recover any claim money because I got insurance in August 2024, and the loss happened before that date. Can anyone help? Id like to make an appeal if my claim is rejected but I’d like to know how I can defend myself here.

I've been a loyal Farmers/Foremost customer for 10 years, claim free. But when I had interior drywall damage, they wouldn't cover anywhere near the cost of the repairs. I gathered three quotes, but the Farmers Rep said they were all "unreasonable" and suggested I keep looking for cheaper options. My rep told me he basically punches numbers into a computer, and that spits out the estimate. He doesn't actually talk to contractors, just does "what the computer tells him". Anyone else experienced something similar with Farmers or other insurance companies? If so, open to sharing about it?

I had to get ambulance twice between that time my job switched insurance company. Incident was in 4/2024 while I had old insurance, I just got an invoice this January. First notice, now I have new insurance and they aren’t covering it but I have one from January and my new insurance is covering. How do I go about this? I should have been got an invoice from the last year event that happens all the way in April, and just got both because I had an incident in January of the new year.

A few weeks ago, I received the invoice for a medical visit that took place in November 2024. The invoice mentions two items: the visit to the doctor and a "facility charge." The first one is fully covered by BCBS except for a $40 copay, while the other is only partially covered, requiring a payment of $210, after the deductible. The code for the second item is **99204, "HC Office Visit New, Level 4.**" According to various accredited bodies including the **American Medical Association:** 'Office or other outpatient visit for the evaluation and management of a new patient, which requires a medically appropriate history and/or examination and moderate level of medical decision making. When using time for code selection, 45-59 minutes of total time is spent on the date of the encounter.' None of this applies to the actual visit: the entire visit lasted under 10 minutes, and no special machinery or tools were used. The diagnosis was visually evaluated. In other words, it seems that the level of service was intentionally overstated. I only have proofs that the visit lasted within 10 minutes, but no proof of what happened inside because obviously recording is not allowed. I first tried contacting the billing office by email, but they only told me to speak with a representative. I called and asked for an explanation, but they just forwarded everything to the Team Lead, from whom I still haven't received any updates. Meanwhile, this morning, I received a message from Nationwide, a collector agency, as an attempt to collect the debt. What do you suggest I do? * Pay the charge to the collection agency and move on? If so, won't it affect my credit score? If I understand correctly, under $500 it shouldn't. Fortunately, I don't have money problems, it's the principle that bothers me. The health system is essentially a mafia, they can do whatever they want to and nobody cares. * File a complaint with the Office of the Illinois Attorney General? I live in IL. * Something else?"

Wife got into an accident. She was stationary at an intersection. Other car turned into her. Our car 2013 Elantra suffered a cracked bumperl We took it to Maaco ..they estimated 2115 or so. Progressive accepted responsibility. Like a fool i verbally told them I would accept cash settlement, They sent me their estimate which was $915..yikes....havent received check yet.....do I have any recourse?

I got a much better quote from New York life insurance for a life policy then my current State farm policy. It's my busy season of work and I was hoping to be able to docusign or just cancel over the phone. I was told I need a wet signature which means I'll have to take off a day or half off work. Part of me wants to just cancel my auto and home policies as well with them over this. Are they just being difficult with me or is this standard with State farm?

Sorry in advance. My minds a mess and I feel like venting to reddit might give me some insights and make me feel slightly better. I was in an accident recently with two cars. I was stopped at a stop sign and one car made a left turn in front of a car going like 90 mph straight. The straight lane car hit the turning car and bounced off it right into my driver side door. He smashed my car hard enough to push me several feet over a curb and through a chain link fence (maybe 15 feet?). I crawled out of my passenger side door as fast as I could because the car that hit me caught on fire quickly. His car was maybe 5 feet away from my door after the impact. The left turning car and straight car both went to the hospital by ambulance. I got picked up by my fiance and went right after. I've been talking with the at fault party insurance company and it's abundantly clear to both parties I was zero fault. They came to an agreement of 65(turning car) - 35 (straight car) for fault. My life is

Been on Sunlife LTD now for 6 months after surgery and resulting (ongoing) nerve pain requiring medication with side effects impacting ability to focus/concentrate seriously impacting my job. My doctor thinks I need more time for the nerve pain to settle but Sunlife had said it is time to start a rehab program (physio) which my Doctor sees as having no benefit at this time. Sunlife insists and says lack of compliance by me, even if under the guidance of my doctor, can jeopardize my ongoing benefits. They had sent the Doctor a note with their proposed plan and gave him a whole 2 weeks to agree or justify why not. He won’t be responding as he is off for spring break and has a huge patient load. If no response from him, Sunlife said they simply move forward. I am not sure how to proceed - must I follow their proposed (e.g. get this claim closed asap) plan without any consultation from my doctor or can my doctor propose a plan? And can they simply ignore my doctors perspective and/or simply move ahead if no response?

Fraudulent charges trying to get them resolved since October. Last month I finally got them resolved and they sent me a letter about the claim. Closed the account, 0 balance. Today they took back a credit for 78.20 and now the account shows a balance even though it is closed I cannot pay it! Already brought in CFPB!

Hi all, Like the title says, I'm having a super hard time finding insurance. I've reached out to Next, The Hartman, and Hiscox; I've been referred to Tivily and then transferred from there to Thimble who turned me down, and I have yet to be connected to anyone who can offer coverage. I recently launched a for-profit s-corp, 501(c)(3) fiscally sponsored disability resource center that supports individuals across the lifespan in my community. We're launching an adaptive equipment library, classes and services, 1:1 peer mentoring, and community education. I'm the owner and we're a team of 3 volunteers. All of our service offerings are free but we're in the process of applying for grants and contracting with Medi-Cal, CalAIM, and SARC. We also are opening a physical center to act as a social/community space and adaptive store. Ideally, we will be expanding our program offerings this year. Everything is on hold because I can't find an insurance provider and we can't get contracts without it. Any help and advice is welcome.