My dad's car was hit by a city trash truck in upstate New York. He was stopped at an intersection and it hit him as it completed a turn onto the road he was on. He was not injured, thank god. My dad was driving an old (2006) SUV that was still in great shape with low miles that he adored. The front bumper and fender on the driver's side is smashed but it is still technically drivable. His insurance (State Farm) is offering him $4100 to surrender the car, or just over $3,000 if he wants to keep it as owner retained salvage. My dad is very upset because he loves this SUV and feels like he should be made whole since this accident wasn't his fault at all. I think the amount they're offering is generous given the age of the car and I've explained this to him. He wants to keep it and fix it himself (restoring cars is his hobby). But it looks like NY will still assign this a salvage title and he thinks this is unfair. Does he have any other options here? He did not get a rental car as State Farm suggested but has been driving his brother's car instead. He has taken time off his part-time job to deal with this situation, so I suggested he add up the time off work plus any mileage and gas bought for his brother's car and tell State Farm about this too. He's just really upset and I'd like to help him with tips on anything else he can do. Any suggestions would be greatly appreciated!

I was involved in a car accident. I called the local police after the accident who came and filed a police report. After waiting for the form to be validated I obtained a copy from the DMV and provided it to the insurance. The police issued the other driver a ticket for failure to yield as she was pulling out of her driveway on to the road. I was traveling on the road and was unable to stop or avoid her in time and hit her car in the road. I took pictures of the accident which shows my car pulled over on the road, debris in the road and her car pushed onto the shoulder. I assumed with the police report and my other evidence I would be successful in filing a claim against her insurance. The insurance company notified that they will not pay for repairs to my vehicle as the other drivers statement does not match mine or the police report. They stated she is working to amend the police report. I’ve never heard of this so I called the police who told me the chances of getting the report amended are very slim and likely not to happen. The other driver claims she was stopped for several seconds and I should have been able to avoid her. The roads were covered with snow so stopping times were increased, I could not stop in time. I have no collision as my car isn’t worth very much and now have no way to repair it. Does anyone have experience in a similar situation on what my best options are with the evidence I have? So far I have filed a complaint with my states department of financial services, request a copy of the decision and appeal process with the insurance and stared researching the small claims court process. The insurance company refusing to pay is GEICO if that matters. Any advice to recoup some compensation for my damaged car is appreciated. tldr: got in accident other driver ticketed insurance refuses to pay for repair

We have been on medi-cal since 2020. Husband and I both lost our job. When we started working, we reported our income. We had a child and our income still within theamount that qualifies. 2022, I reported my income. And they still renew. 2023, I did not work, we qualified. 2024, I got a new job July, I called and they said my medi-cal will be cancelled by August. I enrolled in my job's medical insurance. Fast forward 2025, got a letter we qualified. I kept in my record that I always submit proof of income. What should I do?

When we adopted our dog (now 6 years old and 44 lbs, a mix of at least 5 different breeds) we took out what I considered to be a “catastrophic plan” to insure her and help us avoid difficult healthcare financial decisions when she grows old, or sooner (though hopefully not). The policy has a $1,000 lifetime deductible per injury/illness and no maximum benefit. When we took out the policy it was $25.03/month. It is now up to $57.15/month. A 128% increase over 6 years feels pretty steep, especially when she’s statistically speaking less than 1/2 of her way through her expected lifespan. Should I be regularly shopping around the same way one does with auto or homeowners insurance, or are the chances that I will find a better value now that she’s 6 low? I remember reading when I took out the policy that with pet insurance it’s better to insure early when the dog’s health risk is very low to “lock in” a low rate and picked Trupanion because at the time they advertised modest premium increases being a feature that differentiated them among their competitors. I don’t feel like 128% over 6 years is modest, and if the increases continue to increase at the accelerated rate they have been doing so, I feel like it may be worth surveying the field to see what else is out there. I like her coverage and feel that it works for our financial situation. (We are fortunate that we can afford regular wellness visits and any unexpected medical items < $1,000). TIA!

Hey, Reddit - hoping someone can help me with a direction to take regarding my issue. Location: Houston, Texas Back in early 2023, I found out via an alert from my bank that my credit score worsened because a lender has been trying to reach me. I panicked because 1. I have thankfully never needed any loans and 2. I normally have a great credit score. I did some investigating and found out that apparently, an education loan had been opened in my name only about six months prior in a completely different state (Albuquerque, New Mexico). I live in Houston, Texas and the loan was opened for a community college in Albuquerque. For backstory, I graduated from college over 10 years ago and I’m thankful to say that I never needed any loans to get through any of my schooling. I did everything I could to fight this loan over the last two years since discovering it. I reached out to the lender (Mohela) and explained my situation in detail, filled out a large packet that they requested to dispute the loan and prove my identity with several various supplemental documents in my possession to help support my case. This was mailed to them ASAP and is STILL under review 2 years later. I filed a police report with my local police station and they even spoke to the Albuquerque police department to warn them of the identity theft and to give them the local Albuquerque home address that was wrongly associated with my name. I corrected all incorrect contact information associated with the loan and with all three credit reporting bureaus, and immediately froze my credit across all three. I flagged any mention of the loan across all three credit bureaus as fraud and to dispute it. I have provided all three credit bureaus with supporting documentation to prove my identity along with the police report. I even called the community college in Albuquerque and spoke to several people there, asked them to close the promissory note for the loan since it was due to identity theft. I sent them my police report as well. I filed a report on [identitytheft.gov](http://identitytheft.gov/). I have called the lender every few months, have to explain my situation all over again to whatever agent I get connected with, why I won’t be making payments on this loan, and continue to ask for a forbearance on my account while my case continues to be reviewed and hopefully dismissed in the near future. Despite all of this, even two years later, the loan still appears on my credit reports because it is still being reviewed and has not yet been dismissed. I am at my wits end and am now thinking I need to hire a lawyer to help me fight this, but I have no idea what type of lawyer and how to even find someone who can help me. I also have no idea how much it would cost. If anyone can offer any advice on the best direction I can take, I would greatly appreciate it.

so I think the title explains it clear enough got a info in the mail me and my mom share a policy because i'm 19 and from my knowledge its pretty hard to get one note says "we are kicking you off on the 8th because you are doing deliveries" I am not doing deliveries I was in my previous car but I didn't even have that car insured with them and i literally told noone i was, along w the fact that the insurance company i used when I was doing deliveries has gone down under I had to switch and it was a totally separate thing and I haven't done any food deliveries since getting my new car since its a 350z lowered and its practically impossible to do them, so me and mom call agent and agent says "idk it just says you are there is nothing you can do your just going to get kicked off"? need advice in general, and just general questions, why can't I just send them proof that i haven't 2nd question where am I going to get insurance at 19 now

I have a 9 year old mixed lab. He was insured as soon as we got him through Healthy Paws and he has been relatively healthy since; however, we received a notice last week his premiums would be increasing from $84/mo to $194/mo. I found via reddit this was common for other California customers and reached out to a contact I found on reddit, only to receive a canned response about “increased vet costs” - no sir, vet prices do not increase 128% YoY. We also started at less than $40 a month, so costs for us had already doubled in 9 years. My dilemma: I can find pet insurance from Spot, Figo, PetsBest (literally anyone) for cheaper than $194. His only preexisting condition is hip arthritis at this point, although he does have random lumps that the vet said were harmless. No idea if those are in his medical history. Do I sign up for a different insurance company knowing I risk them doubling rates next year, and/or possibly claiming everything falls under preexisting conditions? Do I start putting away money each month and hope for the best? What would you do? I’m so frustrated as we bought into the pet insurance thing and would have been better off starting a savings account for him 9 years ago. But now here we are, tens of thousands paid to a company who actively wants to screw us over so we cancel and no savings specifically for the dog or money to throw around for vet bills.

I just had my first mammogram (just turned 40). My breast are extremely dense. Otherwise, normal/negative mammogram. I did the ABUS and now they want me to come back for additional ultrasound due to artifact versus true mass. At this point, I don’t really trust the ultrasound because of how dense my breasts are. The ultrasound lady kinda laughed at how white the screen was after she did the imaging. So here is my question: has anyone with extremely dense breasts ever gotten a screening mri of breast covered for extremely dense breasts? Not really counting on being able to do it as a screening test at this point because I’m probably now only able to diagnostic tests due to the ABUS findings. Asking for future testing mostly. I called BCBS and they were useless. I asked “if I have extremely dense breasts and my doctor puts that as the ICD:10 for a screening mri of breast will it be covered?” It lists screening mri of breasts as covered on my EOB. The lady on the phone couldn’t answer me. Appreciate any insight. Thank you!

My pup just got cancer, and I’ve had her on nationwide for 12 years, I signed up when it was 90% coverage, excluding wellness and they used to pay out reasonably well. They hide it in the small print but they have extremely low limits for most categories - meaning I will be paying 70% of this out of pocket. The diagnostic limit alone is $1650 which is 25% of an MRI in my area. My other dogs are with healthy paws and pets best - I am sick that I didn’t move her sooner. If you see this please just move your pups rather than suffer.

Spoke with a woman who would not directly answer any of my questions. I asked how long until they cover a CURABLE pre existing condition such as a UTI for a cat which is a common thing some cats deal with and she went on and on and on about broken bones and all this other nonsense. I tried to steer her back to the original question several times and she just couldn’t stay on topic. I don’t know if she was on something or what her deal was but it was very weird. She didn’t want to give me a direct answer. I finally asked to speak with a supervisor. She put me on hold for several minutes and came back and said no one was available. Then she message the supervisor with my question, the supervisor just answered it directly. Imagine that. I asked a question and they just answered it. I told her thank you and that was the question I was trying to get an answer to. She said I should have told her that lol. I tried to explain how this can be frustrating and a little suspicious to a pet parent that’s trying to get info. I explained that it is as if she was working me a little. Like she was saying words without answering the question and talking in circles. I would ask a question and she would answer it as if I asked another question. Very sales pitchy. It was very bizarre to say the least. She then started raising her voice and talking over me so at that point I told her to have a nice day. If you are also curious, there is no amount of time after a cat gets a uti that that they will cover it. There is no curable condition time period like some companies (usually 12 months to 18 months). My cat has had one uti a year and a half ago (she is 2 years old) and if she were to get one at any point in the future it will not be covered. The woman told me not to worry about a uti and that it’s not a big deal which made me uncomfortable. I had to give her a break down of how expensive it actually is. There is the office visit, which is often a same day emergency visit which is more expensive because a uti can come on quickly, the urinalysis, and the medications. It’s expensive. Hundreds of dollars. She then asked why I’m so concerned about a uti, maybe my cat has kidney disease or something. I said no, she does not, I would just like to know what I am paying for coverage wise, what is covered, and what to expect. She then began her sales pitch again and didn’t respond to what I said. She was off on another roll. Very unproductive and unprofessional conversation to say the least. When companies act like this and you get that pit in your stomach, it is bad deal and you need to get off it. There was nothing good about whatever that was. Really scary these people are in charge of providing insurance for beloved pets.