I recently almost got into an accident where the person in front of me stopped in an active lane of traffic and I had to hard brake. I stopped short of hitting the guy's bumper and we both pulled over to check if there's any damage. Confirmed no damage but he made me exchange phone numbers and driver's license info with him and we took pictures of the cars before going our separate ways. I didn't file a claim nor let my insurance know since there was no collision to begin with. A couple of days later I got a voicemail from his insurance's claims adjuster saying that a claim was made against me for a rear-end collision. Since it was after-hours I called the general support line for his insurance and got a hold of a live agent who was able to give me more information and what to do to dispute the claim. I've provided the pictures and dashcam footage leading up to the encounter to the claims adjuster and also filed a claim with my insurance because there's no other way of getting a hold of someone in my insurance until the weekday (I blame Tesla Insurance for shotty staffing). I wanted to ask the community if there's anything else I should do or be aware of in this process. I think the guy is trying to make a claim that I damaged his bumper as he had existing damage there (I confirmed in the pictures and the dashcam footage). EDIT: Forgot to mention that I plan on calling the other guy's claims adjuster as well as the one assigned to my claim to confirm receipt of information and if I need to provide anything else. I sent the pictures and dashcam footage to my claims adjuster as well.

I have Medi-Cal currently. I just got hired at a job that would make me ineligible for it. I tried cancelling my Medi-Cal but they're asking for proof of salary or something of the sorts. I still have not gotten paid but I will be paid biweekly and I have 30 days to enroll myself into the work benefits. If I submit the proof, am I still able to enroll into HSA from my job and not get into any trouble? Not sure at what point they will kick me off of the MediCal benefits after I send them an employment letter or whatever proof they want to see.

Full background: I have had both my dogs insured by Trupanion for several years now, both since they were pups. One will be 7 this November, and the other just turned 4. My premiums have gone from $126/mo in 2022 to what will now be $290/mo starting in June. So more than 2x increase in 2 years. Over the years I've had a few emergency vet visits (mostly from ingesting foreign substances) and filed claims. In total they've paid out about $4100. But now I'm just not sure it's worth it anymore. Changing insurance is probably out of the question for me given the number of past incidents that would probably be considered "pre-existing conditions" now. But paying $3480 a year (and probably will just increase more) feels completely ridiculous. Should I just cancel the policy and put the money toward a savings account instead? Or is the risk not worth it? My brain tells me cancel, but it feels like a decision I can't really walk back once I do it.

So this is a bit long and involved. I’m a 25M who just moved back home to take over a family business after a family member was diagnosed with Alzheimer’s. We have a block of commercial units we rent out, most of them under one roof, and two units disconnected from the main building. In total we have about 75,000 SF of commercial retail space. Problem is when the landlord has Alzheimer’s they forget to do important things like carrying insurance on the main building with 65,000 SF. So I went to the insurance agency we’ve always went through for literally everything commercial or otherwise. They insisted for two months that I had coverage on all the properties (unfortunately I don’t have that in writing) despite being unable to provide a bill or declarations listing the units. It took me ambushing the agent at the office an hour away and showing her a map of the property for her to understand that despite the disconnected units being covered, the main building and parking lot carried no coverage. She had never even audited the property or looked at it on maps nor visited it. She finally says she’ll get working on adding the main units to the policy, and today she emails me right before she leaves to tell me there is no way possible for auto-owners to cover us as we have two restaurants on the property (my gf used to work as a receptionist at a different agency auto-owners does do commercial coverage for restaurants in my area). So now I’m stuck here with no insurance on a multimillion dollar lot because I get the feeling the agent doesn’t feel like rewriting the policy. All of my families coverage for everything is through this agency and auto-owners but the agency is incompetent at the very least and it’s evident I need to switch agencies at least. The only experience I have with insurance prior to this is renters insurance and personal auto, I’m really at a loss for where to start or what I should be switching around. Any advice or guidance is appreciated.

I decided to give it a try but after downloading the app and reading the permissions and tracking that clicking "I accept" will give State Farm - I just can't do it! = Uninstalled! They can keep their 10% discount! If you start reading what you're agreeing to, you are giving State Farm access to EVERYTHING and I mean EVERYTHING on your phone including access to your Google accounts, text messages, photos, (24 hours a day 7 days a week whether you are driving or not). You are also giving them permission to do things "on your behalf" (meaning you will be financially liable), like calling a wrecker if the app thinks you've had an accident. I read enough to decide that it's not for me!

I had gone to a new dentist in October 2024 for a routine cleaning and was essentially "upsold" on the removal of my four wisdom teeth, as I had mentioned they were bothering me. I was told my insurance was accepted (MetLife) and that I would only pay $300 for the removal. I figured that was a great deal and had my teeth removed, paying the $300 on my way out. I received an email earlier today for a separate claim from Cigna, and decided to look at my MetLife portal as I remembered the dental claim being stuck on "pending" for some time after the procedure. According to MetLife, the cleaning and x-rays were in-network and 100% covered, but for the wisdom teeth removal, the claim was marked as out of network and my patient responsibility is $800. It has been a bit over 4 months since the procedure and I haven't received a bill from the provider - should I just leave things as they are or should I contact my insurance provider/dentist? I only accepted the procedure because of how affordable it was and confirmed with my dentist multiple times that $300 was my total cost for all 4 teeth after insurance.

We live in LA and I've been looking at our homeowners insurance, which is through Bamboo. I fear that Bamboo is not great based on the fact that I've never heard of anyone else using it AND the reviews online are awful. I know so many companies no longer insurance LA... does anyone have recs? I've read about Amica, Chubb, Pure -- but they are more expensive (how much more)? Would love any advice!

Our older Bernese is insured through Trupanion, which has been very easy to work with on hi lymphoma. So far they've covered chemo really well, and we're even considering a stem cell replacement therapy (which costs $75-90k) and it seems like they will cover that as well. We are thinking ahead for our younger berner, Leela and are going to purchase pet insurance for her. Trupanion has been great for Jackson, but for some reason they are 3x+ as expensive as other options ($600/mo for 90% coverage and non annual limit). We're also looking at Figo, Pet's Best, pumpkin, and Prudent Pet. Important considerations are unlimited annual payout & a 90% coverage level. Berners tend to get cancer, and we want to make it an easy financial decision to get her the best care possible if that happens for her. Do you have experience with any of these insurers (or have others that have been good to work with?) Seems like there are many many options, and would like to avoid picking one now that is difficult to work with down the line. Figo, pumpkin, and Prudent Pet are similarly priced at around $130-180/mo. Pet's Best is coming in way less expensive, $90/mo for a $500 deductible and $55/mo (!) for a $1,000 deductible. Particularly interested in any of y'all who've gone through cancer treatment with these carries. How has it been?

I am getting some MRI's done at a outpatient facility and wanted to get an estimate by my insurance on my copay. My insurance asked me to get the NPI /taxid for the radiologist that will be doing the MRI so they can get the best estimate. I have BCBS I contacted the outpatient facility (NJ imaging network), and they gave me an NPI number but thats the NPI nubmer of the facility. I asked for NPI number of the radiologist, but they said that they bill under the facility, not the radiologist. How am I supposed to get an accurate estimate here? Also by "provider" billing I mean physician billing