So someone hit me yesterday on the highway, totalled my car and injured me pretty badly. Since I was hurt the officers rushed me into an ambulance before I could exchange information. one of the officers told me that he could provide me with the other drivers information after I got care and he gave me his card to call him, it has the case no. as well. Now today I call, they’re telling me that they cannot give that information out until the crash report is done and that they’re waiting on a signature. So I’m stumped, but like ok, I’ll just keep checking and then I’ll file. AND THEN as soon as I get off the phone I got a call from *my* insurance. The driver that hit me, somehow has my insurance and information and he filed a claim against my insurance. Basically saying my story exactly, trying to claim I hit him. What can I do from this point? I could try to hire an attorney, but without having his information I’m stressing that I’m going to get screwed. 😭

Hi, I would really appreciate it if you could provide some guidance. I am in the process of buying a 5 acre property with a 1980 1100sqft permanently attached mobile home. It is so obvious that the value is in the land. I never thought when making the offer that the manufactured home would become such a problem. My plan was to buy 5 acre land build a regular house on it in 1-2 years. Because of the manufactured home I am being hit with high interest rate and higher down payment. I was OK with that. But now the lender requires me to have Full Replacement Cost for the manufactured home. The lender would not accept the only and highest dwelling coverage I could find from Citizens. Citizens provided an RCE report stating brand new full reconstruction would cost $147k, but they would subtract depreciation and allow 25% higher in vaullue. So, that would be $62k + 25% = $78k and the premium is like $2300. Citizens won't go higher on the premium. The lender wants $147k coverage. I am unable to find any other insurers that would even insure the mobile home. I ordered 4-point inspection and the home passed it without any issues. Full roof replacement was just done 1 week ago as well. To me the mobile home is worth $30-40k at most, so the insurance company is right. Why would they insure it for higher anyways. I am purchasing the property as is for $330k. Putting down 25%. So, only borrowing $249k. The land itself is worth $300k+. I do not understand why the lender would not accept my $78k insurance as I cannot insure the land either. I told the lender/broker to be my guess and find an insurance company that would do what they are asking for. Even if they could, I could not even imagine what the premium would be on that case? 5k ? Who would pay to insurance for 40k Mobile home? What should I do?

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

So I signed up for State Farm Auto/Renters insurance and all was well. I decided to switch agents because I was not happy with the communication speed I had with the old agent, so i submitted an Agent Change request online. It has been more than a month since the original request and only the Renters Policy moved. The requests show complete, but now I noticed my Auto Policy completely disappeared from my account. Did they mess this up and cancel my policy? I haven’t gotten any emails or documents online stating this. This has been so frustrating and I just want to not have a lapse in coverage for their mistake. Has anyone dealt with this or something similar?

Hi everyone, the title is basically it. I have a marketplace plan starting last year. I signed up for autopay, or so I thought. Turns out not a cent came out after the first payment. There was zero notice. They said they snail mailed me something but I'm in the process of moving and my mail comes to my parents house. Not to mention if I saw something I would have assumed it was a monthly statement and tossed it. They had my email, my phone number, i received multiple emails but not a word about my account. I have a medication I order about once a month that costs around 2-3k without insurance and I'm racking my brain to figure out if it shipped after january. TLDR - bcbs told me that my account is just termed. I cant reactivate and need to contact the marketplace. Does anyone have any advice?

WA So this is kind of a long story but I really need some advice. In 2011, I was active duty stationed in Everett, WA. My shipmate was at the casino and called me to come pick him up because he was drinking. His car was on the naval base and I was living in the barracks. He left his key on his tire and told me to find it and come get him. I picked him up and then rear ended a car. He gave the cop an insurance card and everything was dealt with and we left the scene. He later told me the insurance card was from 2 years previous and he couldn’t believe the cop took it and let us go. He didn’t have insurance on the vehicle. We then went on a 6 month deployment and I never heard anything more from the situation. I got out of the navy and went back home to Michigan in 2014. Some time in 2014 I received papers for a court case adjudged against me. I didn’t understand how this went to court and I was never notified or able to give my side of the story. Regardless, I planned on filing chapter 7 bankruptcy if they came after my wages. They didn’t. I heard nothing more until today. I got a letter from a law group representing State Farm insurance stating I owed 99k and it needed to be paid within 6 months. 14 years after the accident occurred! Do I have any options at this point besides filing bankruptcy? Thanks in advance for any responses. I’m stressed out beyond belief. (I’ve never owned a vehicle without insurance on it and I wouldn’t have drove that one if i knew it was uninsured.)

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

26, California, $37,000. My health insurance provider denied me access to estradiol for the purpose of gender transition (MtF). I was prescribed this by my doctor and they called me to inform me that my insurance excludes anything under gender related health care according to a denial letter they got from the company. Blue Cross Blue Shield Kansas City provides the health care in Missouri because of the company being nationwide, although I am based in California. I have yet to receive a copy of the denial letter myself, but plan to get a copy of the one from my doctor's office if I don't receive one in the mail this following week from the company. According to the BCBSKS website they do cover gender transition and when I started this job I asked them if it was covered. My H.R. representative seemed confused about the denial and said she'd look into it as she'd never run into this before. She also that they supposedly cover gender related surgery at a certain percentage so something seems fishy. Is this a recent policy change? What are my options? I'm currently filing a complaint through my recently formed union at the company and will be using GoodRx to be able to afford it, but now I'm worried if I tried to receive anything else transition related and am frustrated it won't go towards a deductible. I don't have the letter of denial yet. Will I be able to appeal with information on the letter? Is this legal since I am a California resident or is it all purely through Missouri laws? Just looking for advice.

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