Basically myself and many many others have been scammed by this company. They have you pay the fee for diagnostics and then say they won't cover the item needing replaced. They offered me $500 for my washing machine replacement when the part alone for my machine was $2000. Here is a link to all the issues https://www.reddit.com/r/choicehomeclassaction/s/lijqv0C3xu Do we have a class action or should we all small claims court them? Who would I list (the ceo?) As the person on the complaint? They are already under investigation if you check the BBB website. Any advice or guidance would help. Location: Indiana

Recently a storm blew through and did a ton of damage in the neighborhood. Adjustor came out and declared the roof a total loss, however all said they were exploring possible negligence. Couple weeks later they declared that the could only pay for half the roof because they had pictures of roof damage 2 years ago (damage was just a dozen or so 3 tab shingles that had torn off, nothing major, which was since repaired). The next day they just deposited the money in my bank account, however I haven't signed or agreed to anything. Is it possible or worthwhile to fight this? Unfortunately I don't have a paper trail of the roof repair because a friend of mine fixed it to return a favor. I spoke with a roofing company with good reviews on Google who said they will fight it for us. That a good idea? Also reaching out to my friend to see if he has any companies he recommends.

Sorry this is a long story Late May 2024, my husband was rear-ended, his car totaled. We have full coverage, so we opened a claim with our insurance, the same evening as the accident. Police came to take report, which they found the other driver at fault. They included that my husband was injured but refused an ambulance. We went to urgent care the next morning and he was diagnosed with a concussion and told to not work or drive for a few days. The other driver claimed to have the same insurance company, but they were actually specifically written off the policy (some kid driving his dad's truck) so he's technically uninsured. We spoke to the insurance agent many times because we've never been in an accident and didn't know what to do or expect. We were compensated for the totaled car and mentioned we'd like pain & suffering to cover the missed days of work & such. And then we just left it alone, I assumed they would investigate and make an offer that would at least cover the missed work. After about 3 months, we got a notice that a new insurance agent was taking over. We explained that my husband had lingering brain fog from the concussion and had follow-ups with his doctor regarding it. Agent#2 sent an affidavit form to sign that we had no other insurance & medical release form for my husband to fill out. We had the paperwork signed & notarized, and both sent it by mail with the business return envelope given and uploaded it via a special link sent by the agent. Again, didn't hear anything for months. I wrote an email to ask if there would be a discussion about a settlement, again ghosted. Another few months pass and we've been transferred to a new agent. She wants to have a conversation, but at this point we're a bit fed up with all these conversations leading to nowhere. I asked if we could communicate by email so that there would be a record and heard nothing until today, when Agent#3 asked me to fill out the affidavit again. It's now been 9.5 months. I'm concerned about the length of time being taken to investigate my claim. I've answered every question I've been asked, signed every form. I've had 3 different agents. In each case when I ask about a settlement or offer, I get ghosted and then eventually passed along to the next person. I'm not quite sure what more is needed. I had many conversations with the first agent. Each time I emphasized, I'm new to being in a car accident, I don't know what's the norm, so now I'm beginning to feel like I'm being taken advantage of, like there is some bad faith going on with Progressive. I must say, I was pretty upset to see them ask for a form I've already sent months ago. Are we starting over again? I don't understand. I didn't get a personal injury attorney because this sub says you don't need one. What are we missing here?

I’m sorry if this doesn’t make sense or for any errors, I am in shock. I have a state specific BCBS under my parents (meaning I’m the dependent). Last year after I moved out of state, they told me that they cover providers out of state. I’ve never had an issue with this. Now, I’m getting claims that I owe $700, $2,000, etc for every visit I’ve had this year (I have a chronic condition so, lots of visits). Turns out, our plan doesn’t cover out of state anymore. Were any of us informed of this? Haha no of course not silly! When did it start? Last year, ya know, when they were still telling me I was covered. I found these providers on the insurance website which is the big kicker & I had no idea bc I assumed “found on insurance website + office taking insurance + no bills yet = I’m covered”, but apparently I’m just that stupid. I even called to ask about providers. Now I owe $6,000+ that I don’t have. I’m in my 20s & in constant pain. I can’t afford not going to work despite hurting & not being able to breathe & now it seems like I can’t even afford living. They said the only thing I can do is submit a bunch of appeals saying I didn’t know about the policy change. I can’t go see doctors anymore. My job doesn’t provide insurance. If I want a plan that covers my health problems, it would be a minimum of $400/month which is insane. I don’t know what to do. Anyone else experience this?

Hi, I recently adopted a 1 year old retriever mix and he was limping so we had to get him checked, turns out the doctor said while playing he might have hurt himself and he will recover in 2-3 months but now I was planning to get insurance from SPOT or ASPCA , they have specifically written knee and ligament conditions are pre existing forever so for example if my dog gets arthritis later in his life, would that be a pre existing condition? I am trying to find the insurance for my dog, I had pretty bad experience with FETCH so definitely no FETCH for us. Can you let me know what's the best insurance I can use to insure my dog given this curable injury is not considered pre existing for any bigger condition.

UPDATE: I called this morning and apparently the post authorization did get approved without my knowing and without updating in my online portal. It's still showing online that I owe the full amount but the employee I spoke with said to ignore those charges and wait for a bill in the corrected amount of $333.87 which is much more palatable. Major thank you for everyone's input!! It was late and I was getting very anxious about it, I seriously appreciate everyone's comments. Hopefully there won't be any more mishaps and I know better moving forward to make sure preauth gets sent. Recently I had a colonoscopy at the suggestion/request of a gastroenterologist for issues I've been having. This was my first time having any kind of outpatient procedure and my first time dealing with marketplace health insurance (United Healthcare) on my own. I did not know that prior authorization was a requirement for this procedure. Prior to scheduling the procedure I spoke with UHC about coverage and was told I'd only be charged the copay because it was in network. After the procedure I found out the medical office and hospital failed to request authorization and did the procedure anyway, now I'm being charged $5,000+ for the colonoscopy because of it. I didn't know I needed authorization and moreover it was the medical facility's responsibility to get that, and NOT perform the procedure unless it was granted. Am I mistaken? Has this happened to anyone else? What are my options? I've already called the medical facility to submit a post-authorization appeal but it seems to be denied as well. I'm at a loss and feel entirely screwed over, would love some advice!

So I’m (M22) new to all this Pet Insurance jazz. I just recently moved to my own apartment from my mom’s house, so I moved my cats pet insurance to my new address just so it’s easier and have a sense of independence. When I called MetLife to switch my address, the representative said NOTHING until the very end about me having to pay my deductible AGAIN and I would also be charged ANOTHER payment for my cat’s insurance as it would be getting restarted. I just wanna know if this is true or if I gotta make a phone call?

I will try to make it brief but can answer any additional questions. My wife and I started the process to have a baby. I was insured with Kaiser Permeante (KP) and went to my KP OB. I requested a specific genetic test to be completed (in writing). The DR ordered the wrong test, and instead of the largest panel I received the smallest panel. The records that were sent to me with the results have the name of the largest genetic test despite it actually being the smallest genetic test. I did not realize the error until a couple of months later when my wife and I had selected donors and had to go to a genetic counselor to ensure we did not have any of the same diseases. I was unable to move forward with me selected donors because I did not have the appropriate genetic test. At this time, I was no longer insured with KP and was now insured with BCBS. I went back to KP a requested they proved the correct test, they were unable to without drawing blood again. I proceeded with obtaining the correct genetic test under my new insurance. While waiting for the results both of my two donors were no longer available for purchase and I am now in the process of locating another donor. My wife and I are black, and we are only interested in a black donor. There is a national shortage of black donors and the two donors that we selected were high quality donors (attorney and a doctor). KP has acknowledged their mistake (in writing) and reimbursed me for the cost of the incorrect test. Can I sue the doctor for ordering the wrong test?

So I moved to the US from Europe over a year ago and have been using progressive since they insure people without a state license (I live in MA). I paid 1200 dollars every 6 months until just now when I spoke to my friend who also moved here at the same time and he paid way less on a much newer muscle car. I call progressive and they do a reqoute and my policy gets cut in half and I now pay 640 every 6 months. I feel like they entered some wrong information the first time around - do I have any recourse for them to pay me back if they misentered information the first time around? Of course I accepted the payment and condition so maybe there's just nothing to do. My friend who I compared policies with has the exact same coverage and started off at the much lower rate of \~600$.

Hi everyone. I have a 6 year old terrier mix that's been insured with Fetch since I adopted him at 5 months old. He's had 4 claims all under $200 in all these years. 2 for ear issues, 1 for diarrhea and 1 for a scrape on his leg. No claims in the Iast two years. I started paying $35 / month and now they want to increase my premium from $71 to $117 which is absolutely crazy! I currently have no annual limit with a 90% coverage and $250 deductible. I have no problem bringing down the annual limit to 20-25k, 80% coverage and a higher deductible to decrease my rate but my concern is if he's only 6 right now and Fetch is jacking up prices like this, even if I reduce coverage I'm afraid I'll end up with a crazy premium in just a couple of years! Also, I had another dog insured by them and we spent 25k with her last year. She unfortunately passed away but now I wonder if that is playing a role with how much they are increasing my terrier mix rate since they were both under the same account (I read someone here in Reddit had something like this happening with Fetch). I'd love to hear experiences of people switching insurance specially in regards to coverage of pre existing conditions and also, if anyone has recommendations of other insurance companies I'd love to hear your experience too (especially in regards to rate increases and claims). Thank you!