Anyone currently enrolled in TBL please be aware they have changed how they are "insuring" retired first responders and their families. We have filed a complaint with the Ohio board of insurance. They have changed our plans without giving us the option of deciding if it's how we want to be covered. They have changed what medications will be covered and how our providers will be paid.

I am getting a new car delivered to me friday and trading my old one in, I went to update my insurance policy through state farm & it’s showing my total change cost to be $733 just to remove my old car & add the new one. Is this normal? That seems insanely high

For the past 507 days, I’ve been dealing nonstop with AAA Insurance over my BMW X5 M. In July 2023, my car was repossessed (shit happens), but I got it redeemed in September. When I picked it up from Sacramento, multiple dashboard warning lights were on, and it smelled like something was burning. I later found out the repo guy towed my all-wheel drive vehicle by two tires from Chico to Sacramento — completely destroying the transfer case. These types of cars are supposed to be flat-bedded. I got nowhere with the repo company, so I filed a claim with my insurance (AAA) and brought the car to BMW Pajouh/Courtesy Automotive in Chico. It was in their shop from September 11 to November 3 for repairs. Then in February 2024, it started feeling like my tire was going to fall off. I took it back to BMW Chico and got a rental car from them while they looked at it. A couple days later, Nick, the service advisor (not the same one who helped during the first repair), called and asked what the issues were. I had already told them that when I dropped it off, so I was annoyed. The next day, he called again and said, “Whoever did your transfer case didn’t do it correctly.” I reminded him it was their shop that had done the work, and it had been an insurance repair — so the claim should be reopened. A few weeks went by, then I got a call from the AAA adjuster saying the new estimate was too high and they were going to total the car. I told them I would be getting a second opinion from a specialty European shop. I wasn’t able to take the car there until the following week, but I made sure to notify both BMW Chico and AAA. Then a few days later, I started getting calls and texts from both BMW and CoPart, saying they needed my authorization to tow the car to CoPart (a salvage yard). I told them I hadn’t signed anything and had NOT agreed to the total loss — I was still getting a second opinion. Later that night, I went outside and noticed the BMW rental car was gone from my parking space. I ran upstairs thinking I had left the key fob in the car and it got stolen, but it was still in my purse. My daughter reminded me my spare house keys were in the rental, and they had an AirTag on them. I checked FindMy, and sure enough — it pinged at BMW Chico. I called the dealership, and the front desk guy acted clueless. I told him my AirTag showed the car was there. He suddenly put me on hold. A few minutes later, he came back and transferred me to Michael Mumbus, the director. Mumbus told me they removed the car because they don’t allow loaners past 30 days — but it had only been 29 days, and no one had said a word to me about any rental limit. The next day I went down there to pick up my belongings from the car. I came prepared and was recording everything. Mumbus got heated with me, accused me of “holding the key fob hostage,” and said I owed them $650. I had the key fob with me, ready to return it. Then he hit me with it — “Your BMW is gone. CoPart towed it yesterday.” Blaming AAA for giving the consent. They took my car without any consent or authorization. One of the staff members handed me a printout of the repair documentation. That’s when I found out they had installed a junked transfer case in my vehicle — not remanufactured, not OEM, just a used one from a salvage yard. And my insurance policy clearly included OEM endorsement, meaning it should have been brand new from BMW. That’s when I realized not only had they done a terrible job, they had completely violated my policy. I immediately put a hold on the car at CoPart, telling them they had no legal right to it. That gave me time to start digging deeper. Over the course of the year, I reached out to more than 100 lawyers. Every single one said no. They didn’t want to go up against AAA or BMW — said it wasn’t worth the fight. So I kept pushing. I requested every document from AAA and went through everything line by line. That’s when I noticed a payment made to CoPart for $7,000 in “storage fees” — which made no sense. I filed formal complaints with: • California Department of Insurance • Bureau of Automotive Repair And then — this morning — I got the call. AAA told me they had good news: • I can take my car to any shop that does mechanical work and paint (it was severely oxidized from sitting outside this whole time)— and they’re covering all of it. • They’re paying me $35/day for 507 days of loss of use. • They’re removing the salvage title and returning the clean title back into my name. • And… the car is paid off. DMV will take 3–6 months to process the title, but I can wait. I honestly don’t know how this kind of shit always ends up happening to me, but one thing I know for sure — I never stop fighting. It’s exhausting. It’s stressful. It feels impossible. But I do not give up.

Healthy Paws just raised our pet insurance to an extra $100 a month out of no where! Has anyone else gotten a huge rate hike like this from them? This is Absolutely ridiculous.

I got a BMW from Auto Trader in October. The garage I got it from was dodgy as fuck but the car seemed fine. After 3 weeks oil all over my drive way, since then been in and out with constant problems. (Engine coolant system failure, new control module, new turbo with new gaskets and turbo actuator). I took the car to my regular garage since the one I got it from was dodgy (I understand now this was a mistake), I phoned the original garage and since I never took it in to them they’re saying there’s nothing they will do. Since Christmas I’ve had the car for 13 days, have it a couple days then in the garage it goes, constant problems. None of this is my fault, the garage has confirmed this, I know how to look after a car. £4,000 roughly in garage costs. Plus the money i’ve been spending on finance etc on a car I do not have. Can anyone please give advice on anything I can do to be reimbursed on some of the money I’ve spend since none of this is my fault and the car is so recently in my possession. I have been in touch with finance company (Carmoola) just waiting for the final receipts from garage to forward them.

Back story: I have purchased health insurance via the Marketplace (I'm in OR) for the past 4 years, same company, same plan. Expensive but I use a LOT of health care. This year the increase was substantial - $990/mo just for me -gulp- I knew there was a 90-day grace period to pay for the marketplace plans, and I (out of need, not playing games) basically went as long as I could without paying because it's sooooo expensive to afford and I am currently in a "borrow from Peter to pay Paul" situation. I *thought* I paid in full by the end of March - I had a major surgery April 7 that had been prior-authorized, etc. Then when a friend went to pick up my post-op medications the pharmacist told her my plan had been cancelled. Finally managed to get through to the insurance company and lo and behold, I was exactly $117 short of what I needed to pay for the full three months. So not only did they drop me before my surgery, but are actually dropping me retroactively to 1/31/25 and sending me my money back. Despite much pleading on the phone to the insurance company (Pacific Source), they are telling me that because I purchased it on the marketplace they can't do anything at all to help me. Marketplace says they have no idea how they could help. a) it's only $117 short out of >$2000 of premiums and b) we're talking 10 days past the due date, not like 30+. Does ANYONE have any ideas here??? Not only do I need to have this VERY EXPENSIVE surgery covered (it's going to be well over $50k), but I will need follow up care for the surgery as well as all of my health care needs this year (ie I take a biologic that costs $8k/mo). I'm literally panicking here....and no idea where to go for help or what to do. Any ideas????

I have met my Medicare deductible. I have plan G Medicare supplement which pays all co-pays, etc. I am being billed by a doctor’s office in spite of the fact that I have no further liability for co-pays. What is the best way to resolve this as the doctors office keep sending me a bill.

I would like to warn people before signing up with Pets Plus Us. They are “endorsed” by Costco and I thought that meant they must be decent. I signed up with them in 2014 when my dog was 10 weeks old. My dog is now 10.5 years old and this is my experience: Since 2021 they have approved $29 and $26 dollars of claims. In November 2022 they approved their last reimbursement for $29. They rejected a claim for an autoimmune disorder despite the fact a surgeon and specialist reached out on our behalf and provided published information proving that under PetsPlusUs guidelines it should have been covered…we paid $7500 out of pocket for that in 2022. Despite not approving any claims since November 2022, when my dog turned 10 (June 2024) they DOUBLED his monthly rates. And claimed that had nothing to do with age. Today I received an email advising that my dog’s plan is being “discontinued” so they I can pick a new plan to “better meet my needs” however, pre-existing conditions will not be covered. I called to cancel our policy today. We were loyal clients for nearly 11 years and this is how they “value” us.

Long story short, we have never had issues with people buying and selling in our 6 unit condo building in Chicago until today. We accepted an offer and the lender reached out stating we needed **replacement cost coverage** in order to move forward, this is due to Fannie and Freddie guidelines as of June 2024. We have never changed our master policy provider and our bylaws specifically state that we must have **replacement cost coverage.** I have looked over our policy and it does not state either Cash value or replacement, just the limit on coverage with a \*attached for the inflation rider. Agent we reached out to has been non-responsive. Anyone else run into this?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance