I usually get my glucose sensors direct billed, but every once in a while I will have to pay out of pocket if one stops working. What irritates me is I’ll submit the claim — and it won’t cover what it will when direct billed. I’m talking $100 less when self submitted. I call them, they say it should be covered as normal and they’ll look into it — but I see nothing on my end saying the claim is being reevaluated, and no secondary deposit. Months later, nothing. I get the sensors direct billed… normal coverage. Submitted another receipt, and it comes back $100 short. Before you say to just go and get the prescription at the pharmacy where they process my insurance, it’s an hour bus each way. The pharmacy I get the sensor at out of pocket is within walking distance. As for why I don’t transfer to that pharmacy… 10% less coverage, which for my medication is an extra $200 per month AT LEAST. Any advice to actually have Canada Life follow up on their processing error?

**Location:** Birmingham, UK **Type of Insurance:** Home Insurance (Subsidence Claim) I'm sharing my experience dealing with what I believe is systemic fraud by Royal & Sun Alliance Insurance (RSA) and their loss adjusters, Crawford & Company. After 4.5 years of battling for a fair resolution to my subsidence claim, I've submitted a formal escalated criminal complaint to the Chief Ombudsman following their recent decision (PNX-5126400-B7P5, January 24, 2025). # Background In September 2020, I filed a subsidence claim with RSA. The Ombudsman has already acknowledged RSA's "shockingly poor service" and "significant avoidable delays" in their decision. However, my complaint goes much deeper than poor service. # The Evidence I've Gathered Over these years, I've collected substantial evidence of what appears to be deliberate misconduct: 1. **Fabricated Complaints**: RSA created three fake complaints (January 30, September 26, and December 7, 2024) to manipulate regulatory timelines and circumvent proper oversight. 2. **Falsified Technical Documents**: Key claim documents including the Schedule of Works (SOW), Certificate of Structural Adequacy (CoSA), and Forms of Acceptance (FOAs) appear to have been fabricated. Metadata analysis reveals these were created in 2024 but backdated to 2021. 3. **Data Protection Violations**: My Data Subject Access Request (DSAR) came back with approximately 73 critical documents fully redacted and many (around 50+) others improperly withheld. 4. **Claim Reference Manipulation**: RSA repeatedly changed my claim references (from SU2004338 to 1781135 to 202405326), seemingly to obscure the complaint history and make tracking impossible. 5. **Conflicts of Interest**: The person investigating my complaints at RSA was directly implicated in the issues I was complaining about. # Most Concerning Evidence What troubles me most is that when I examined the Certificate of Structural Adequacy, it falsely claimed that Leo Horsfield (the structural surveyor) recommended removing an ash tree that had already been felled two years before they were even involved in my case. This demonstrates deliberate falsification, not just an administrative error. Similarly, the Schedule of Works was created on April 30, 2024 (proven by metadata), yet RSA claimed it existed since July 2021. When challenged, they couldn't produce the original document. # Where Things Stand Now The Ombudsman's decision acknowledged the poor service but couldn't address the potential fraud due to their limited remit and outside timeframes of this particular complaint. I've now escalated to the Chief Ombudsman, with copies to the Financial Conduct Authority, Information Commissioner's Office, and Serious Fraud Office. My 122-page complaint (filed 02.03.2025) meticulously documents every falsified document, fabricated complaint, and regulatory breach with supporting evidence. I believe RSA's actions go beyond poor service into potentially criminal territory. # What I Hope For I'm sharing this to warn others and hopefully connect with people who may have experienced similar issues. I also hope that by bringing awareness to this case, the regulatory bodies will give it the serious attention it deserves. Has anyone else experienced anything like this with RSA or other insurers? Any advice on navigating this process would be greatly appreciated.

Got a policy update email that will take effect in 63 days. Going from $196/month to $567/month. This is actually insane. I got on phone with them and they said it’s not my amount of claims but they consider the state of CA and thst since it is pooled insurance it is what works best for everyone. I was like, this payment is like a luxury car?! The only thing they said to do is lower the reimbursement and up the annual deductible; right now I have 70%/$500 and if I switch to 50%/$1000 it is $372. My dog is 14 years old for the record. I just feel stuck and frustrated. Especially cause switching to a new one means everything becomes pre-existing. Does anyone have a similar experience? Advice?

Alright here's whats going on Been licensed since 2021 Got into first accident (at fault) in november of 2022 Got into accident last month (feburary 2025) Before the 2025 accident I was with Wawanesa and was paying I believe $350 a month for insurance but they just dropped me. Things are generally close by so I was planning on just lasting out on a Non-owner's policy until insurance becomes affordable (I'm guessing nov/dec since the 2022 accident will be 3 years old then) but I'm curious if anyone has any other suggestions. I looked in to pay-per-mile insurance but it doesn't seem like there is anyone offering it here in California. Any help is appreciated.

Taken place in TX with State Farm. Got rear ended. Driver claimed liability. Car is a total loss. Body shop is asking for $2100 and insurance is only willing to cover $1400 and the rest out of pocket. I don’t want to pay out of pocket or through my car settlement, how can I get them to cover the whole amount? I had a rental car for a few days up until I was notified my car was a total loss and insurance doesn’t cover for it after that so I returned it. Am I also able to get reimbursed for transportation i.e rental car or uber?

So when I bought my first car under my parents insurance I was paying them $200 a month. I had one minor accident, no speeding tickets however I did have window tint tickets I forgot to pay after I sold the car shortly after. Not paying those caused my license to be suspended so I applied for quotes and got crazy responses like $1100 a month from geico. I see ppl here suggest insurance brokers often as a last resort so that’s what I did. Got 2 diff quotes of $411 and $398. Since I had already bought the car and needed insurance asap I took it. But my question is do I really have to pay 50% of the cars value in insurance annually? Is this really my life from now on? Or will it be a bit better now that I’ve unsuspended my license CAR IS A 2012 ACURA TL SH AWD btw Location: NY 25yo male TL;DR: Bought expensive $400 insurance when my license was suspended. Can I get cheap insurance since I unsuspended it 2 days later? Or not because of my one minor accident 3 years ago

The patient is enrolled in the Moda Health Beacon EPO plan, and the provider is listed as participating in the Beacon network. However, the claim was denied by the payer, citing that the provider is not a participating provider. Could you please clarify whether participation in the Beacon network includes all plan types such as PPO, HMO, and EPO?"

So the story goes: My friend in Texas totaled his car by hitting a mailbox. He has Gap insurance from the dealership, and auto insurance from progressive. Auto insurance agent told him they're going to pay the dealership instead of him. Can friend demand direct payment to himself, as the policyholder? Can his insurance just send the check somewhere else like that? The gap insurance should handle everything on the dealership side, so I don't know why his insurance company would be giving the dealership anything.

Idk but this happened nung January pa this year, but I have come to notice that yung mga agents nila sa malls (esp sa SM) are not working professionally. I get that gusto nila makabenta pero di naman tama yung 'tactics' nila. Kaya napagkakamalan silang scam eh. Well my personal experience, would say parang na scam nako. May babaeng lumapit claiming na may ibibigay daw silang prize if sasali ako sa "raffle" kuno nila, makikipag usap tapos pupuriin pa then the next thing I know is papuntahin ako sa office since kukunin ko daw yung prize without knowing na dito na mag sisimula yung kalbaryo ko. May FA na kumausap, mag bibigay ng advise or whatever. Ako naman, I thought nag mamarket lang, umabot kami ng 45 minutes don then yun na pala, ipa aavail na ng policy nila. I declined first, sabi ko "your agent said na di kayohihingi ng kahit anong money or what, so bakit kailangan kong bumili ng policy niyo?" Nagalit pa yung FA, inulit yung mga sinabi kanina. Ang ending napabayad ako ng about 9k good for three months na yun. Nakakbweset lang kasi bakit kailangan mang linlang, and bakit may pamwersa sa mga tao kung tatanggi. If you're a professional, you would not get mad at someone saying "AYOKO", and in the first place dapat di na kayo nag sinungaling na wala kaming babayarang kahit na ano. - just a rant lang, nag lapse na yung policy ko since di ko na tinuloy yung pag hulog, sana napakain nila mga pamilya nila sa 9k na kinuha nila.

Due to a pipe backing up, and magically fixing itself, our house flooded. We have been out of our house since the beginning of February. We have ASI thru progressive. Our insurance adjuster said he was going to pay the company directly for mitigation, and then send us a check so we could pay the company for restoration. We have been waiting for weeks on when and how much they are going to pay us. The only time I hear from our adjuster is when I call to let him know that our hotel stay needs to be extended. I’m trying to be patient, but I’ve been trying to reach out and can’t get in touch with him and his voicemail is full. We are living in a hotel with two dogs, and a cat. Our dogs are stressed, and ill, they have been to the vet for this. One is actually there now. We are eating fast food every night, and I just REALLY want to be home. I need to know how much they are paying so I know how much to pull out of our 401k to replace the deductible and appreciation (?), and this process takes time. I have tried to view the claim online and nothing comes up when I put in the information. What do I do from here? I want to be HOME. THANKS!