Location: I live in California Hey guys! Wondering what you thought. In summer of 2022, my mom and I were visiting some extended family in Switzerland. My Swiss cousin drove me and my mom to Paris, France in his car. The last night I was there, my cousin asked me if I wanted to go take pictures at the Eiffel Tower. I said sure. He drives his car, I am in the front passenger seat next to him. No other passengers in the car. We are on the street right next to the Eiffel Tower at a red light, sitting in traffic with all cars stopped. He says "OK you can get out here and get to the sidewalk, I will pick you up in a few minutes." As I open the passenger door, a motorcycle who had been weaving in and out of traffic going maybe 15-20 mph, slams into the car door. The driver and passenger fall over and the car door is smashed. We pull over, traffic around us is stopped. An ambulance comes and help arrives. Unfortunately (worst timing ever), I had a plane to catch to go back to the US. My cousin told me to leave, he would take care of it. I found a cab, took me back to where my mom was staying, and we went to the airport and flew home. I followed up with him a few days later and he said the motorcycle driver and passenger were fine, they had suffered some cuts/bruises and a sprained ankle. I told him to please keep me posted. He never really had anything to report. Fast forward to last Friday. I get an email from an insurance company detailing the incident from 2022, with the correct date and what exactly had happened. They found me liable and at fault because I opened the passenger door and caused the injuries of the motorcycle passengers. The insurance company said they had to compensate the other party, and requested that I reimburse the full amount. It's nearly $10K USD. I know this is definitely not a scam because my cousin verified his policy number on the letter they sent me. He also informed me they called the police that night and the police never came. He took it on himself to give the other party the insurance information so that his insurance would help out. He never imagined his insurance trying to recoup the money, especially from me. What do you guys think I should do? Shouldn't the insurance cover the driver and vehicle?Am I liable as the passenger? How would an insurance company in France enforce that I pay this? Can they take me to court? Is it possible that they might try to retaliate with my cousin instead, if I ignore the letter? Thanks in advance!!!

So my employer recently enrolled us in the Unum dental PPO plan. I've been calling offices near me and no one seems to know what insurance plan this is. Unum confirmed with me over the phone these offices are in network and every single one of them are saying they don't accept the insurance because they haven't heard of it. My insurance card also doesn't mention DenteMax or Connection Dental, so it's through Unum itself.

Got this chat request today from Healthy Paws. I don’t have a policy with them, I just comment when I see the insane premium hikes they’ve been doling out lately. Healthy Paws, folks are starting to ask questions about your rate sheets and what you publicly disclosed and what you actually charge consumers. I’m not an actuary, so I’m no expert, but it’s wild to me that any state would sign off on a 200% 500% or even 1000% increase. Maybe they did. But it is feeling a bit shady. You should publicly disclose your algorithm and show us! There are lots of people here who would love to see this information provided transparently. We all expect annual increases. It’s the name of the game. But we don’t expect to pay faithfully for years and towards the end of our pet’s life, have our premium jacked up so high as to be an insult. So unless you have some kind of reasoning for that…or a promise to fix it, it’s impossible to recommend you anymore on this sub by most people with brain and a conscience.

My 1 year old, went to urgent care first and then they asked us to take her to emergency as she was having trouble breathing. We went to emergency and her oxygen level was 82%. A chest xray and couple test later she had rhinovirus and bronchitis. She was admitted by the ER doctor to the hospital. My insurance denied the claim because they need more info from doctor, from which doctor ER or the pediatrician that monitored her at the hospital I'm not sure.I have the sydney app it shows the bill for the provider and also shows the plan discount paying the full amount of that bill so my total is 0. Is that pending the doctors note? Not familiar with how plan discounts work, I have blue cross HPN.

Location: Texas Mind you we have been a returning customer for the last 9 years to the same salesman at the same dealership. He has always gone above and beyond with taking care of us with exceptional customer service to the point of even driving 2hrs to deliver our last leased vehicle in our driveway. So now the dilemma; we recently returned 2022 lease and signed a new lease for a 2025 at Infiniti dealership February 1st. After all the paperwork is completed we get keys for 2025 vehicle and drive home. Fast forward to February 22nd I see the reoccurring payment of $975 from the old 2022 leased vehicle. Then on 26th another one for $1130 for new 2025 lease which was expected. Wife contacts salesman and says he will look into it with Infiniti finance department. After a couple of days he tells us that Infiniti finance for the old lease had not yet received dealership check for the vehicle payoff, then proceeds to tell us after they receive it we would be receiving a reimbursement check in the mail “around” the same amount of $975 from old lease that we are no longer in possession of. Wife contacts Infiniti finance and they basically tell us that the dealership is at fault and it’s out of their hands. Now we are in April and salesman telling us he will get with GSM, but GSM is somehow always busy (out of office at auctions, yadda yadda). We have yet to receive the “check” or any further information on the matter from dealership. This our 4th vehicle through this dealership with no issues at all and now this. What route do I take? Anyone else ever have this problem? Do I take legal action over $975?

I was in an accident back in April. At the time I did not have insurance on my car. The driver who hit and totaled my car admitted fault. Since I didn’t have insurance at the time I contacted their insurance company(Corvel) myself. After 2 months of constantly calling I was able to get in contact with an agent and she was able to compensate me for the car damages and towing charges. She later said she would take care of my medical. I was supposed to gather my medical records from the day of the accident and my medical bills and email them to her. I sent them back in the beginning of June and have not heard back since. Ive emailed and called and have heard nothing. Is this worth pursuing or should I just call it a day and be grateful for what I have received?

I have a question about prior authorization. I am trying to get one of the weight loss meds like wegovy, zepbound etc. I had several appts with my primary care Dr and she informed me she would try but that most likely insurance wouldn't cover it. The Dr office called me today to tell me about bloodwork, etc and informed me I should call my insurance provider and ask if it would be covered. I did that, with blue cross blue shield, and the lady on the phone was extremely helpful. She informed me ozempic and something else wouldn't be covered but wegovy and zepbound are and she would need prior authorization. She put me on hold to call my Dr, then when she got back on the line she said the Dr would not do prior authorization. She also informed me I should find a new Doc because your Dr is supposed to help you. My question is why would my Dr then deny it after asking me to call and see if it's covered and it was? I'm just confused. Thank you for any insight.

My car was parked and hit by an amazon delivery truck. They were delivering packages to either my apartment or one next door. He side swiped my car leaving the parking lot. Luckily a person saw and tried to flag him down and he sped off and drove off. The witness then reported it to my apartment management who got the video footage from their surveillance cameras. I have the photos of the amazon truck hitting my car, a clear view of his license plate, a witness, and a police report (although the policeman said he couldnt read the state on the plate but i figured that out later and gave it to my insurance so it might not be in the report). I called amazon and got two different reps who barely spoke english. I ended up calling my insurance (state farm) and they were great and said i should do a claim as typically this doesnt affect premiums. After i initiated the claim last week, yesterday i finally got a call back from amazon who said a rep from ARC, their dedicated claims (third party?) company, would reach out next week. I researched ARC and all the reviews are awful. Everyone says they lowball you and take months to settle. Should i just go through with the claim with state farm? I havent gotten any estimates yet. And my rep for state farm said this would likely not raise my rates. But im guessing the fix will be several thousand for a new fender and bumper and maybe wheel rim. I havent had a claim in 10 years and felt good about that, but just wanna make sure im not doing this wrong. Thanks.

If this is legal it sure ain't ethical. I'm not often stunned by capitalism and greed but JFC. This is shameful. I feel so f'ed.

I have not enrolled in Trupanion but I am interested in them because of their direct pay options.. however I was chatting with an agent and I asked about prior history of colds or ear infections and she said that would be a pre-existing condition. She said it also depends on the record review. I asked for a contact to review my records and she said that can only be done after enrolling. I asked for a compliance department contact, and she said that isn't available for members. Can someone give me any insight to any of these statements? I'm getting different responses when I speak with different agents.