Hey everyone, I got a call recently from a company called Wilber, saying I owe them money for an insurance-related matter. But the amount they’re asking for is way more than what I actually owe. This happened in Texas, and it caught me off guard. I tried asking for a breakdown of the charges, but it still doesn’t add up. It feels shady, and now I’m just wondering—has anyone else in Texas dealt with something similar from Wilber? Did you resolve it? Did they back off or escalate it? Just trying to figure out if I’m being taken advantage of or if this is some standard (but aggressive) practice. Any advice or shared experience would really help. Thanks in advance!

Hi all, Like the title says, I'm having a super hard time finding insurance. I've reached out to Next, The Hartman, and Hiscox; I've been referred to Tivily and then transferred from there to Thimble who turned me down, and I have yet to be connected to anyone who can offer coverage. I recently launched a for-profit s-corp, 501(c)(3) fiscally sponsored disability resource center that supports individuals across the lifespan in my community. We're launching an adaptive equipment library, classes and services, 1:1 peer mentoring, and community education. I'm the owner and we're a team of 3 volunteers. All of our service offerings are free but we're in the process of applying for grants and contracting with Medi-Cal, CalAIM, and SARC. We also are opening a physical center to act as a social/community space and adaptive store. Ideally, we will be expanding our program offerings this year. Everything is on hold because I can't find an insurance provider and we can't get contracts without it. Any help and advice is welcome.

Hi there, I was in a car accident in DC that I believe was not my fault. I was attempting to turn left (had been sitting at a light for awhile). When the light turned yellow, it appeared clear and I began to turn. Out of nowhere, someone sped up and rammed into the driver side front corner of my car, going so fast he drove onto a curb, taking out a park bench, two small trees, and a trash can in the process. No airbags deployed on either car and no one was injured, luckily. Police came and we gave statements, but I got the police report back, which was rather sparse - there was nothing in the statement section, no one named at fault, and only a rudimentary sketch of the impact. Policeman told me he gave the other driver a ticket for running the light and failure to produce evidence of insurance. Since the other driver likely did not have insurance, I started a claim with mine. I have a solid policy through Travelers with uninsured motorist coverage, $500K bodily injury, $100K property damage limits. I just learned that he is now claiming he was injured (despite walking around fine, assuring me he and his passenger were totally fine that day), got a lawyer, and is saying I "T boned" him and am at fault. I did not -- his car was barely side swiped and the damage is due to him running over all of those objects. I also did not accept responsibility then or now, and I gave my statement to my adjuster. I've never been in an accident before, and now it seems it is his word against mine (to my knowledge the intersection did not have cameras). I guess it doesn't matter if it is determined to be my fault partially, or even wholly, because I am well insured either way. I just can't help but suspect he is trying to use my insurance to cover his own recklessness and failure to obtain insurance. Does anyone have experience with Travelers in a situation like this? I know at a certain amount they are likely to settle, but it doesn't sit right with me that this dude is likely to get a payout that I am effectively covering for him (and my premium will also go up).

I currently have 3 cats. I've had policies with Fetch (previously known as PetPlan) for nearly 2 decades, and they have covered half a dozen different cats during that time, including my current trio. Fetch has never had the cheapest policies, and it always took a while for them to pay claims, but they always provided good coverage and did not engage in the scummy bait-and-switch practices so common to other pet insurance companies. All that changed Monday. To provide some background, two of my three cats are middle-aged littermates, a female and a male. The boy is generally healthy except for the occasional herpes virus flare up. He's had those since he was a kitten so Fetch considered them a pre-existing condition and has never covered any of those expenses. Fair enough. His sister suffered a serious illness in 2023 and was ultimately diagnosed with small cell intestinal lymphoma. Due to complications during the initial work up, she got aspiration pneumonia. She nearly died and had to spend 10 very expensive days in the ICU. She recovered from the near fatal pneumonia, but unfortunately the lymphoma is terminal and all we can do is give her medication to keep her comfortable and slow the progression. If we're really lucky we may get a couple more years with her. Since her diagnosis in 2023 she has had to see her vet every couple of month for blood tests because the medications suppresses her immune system and can have serious side effects. So, she incurs regular medical bills, but nothing near the expenses she incurred in 2023. Both cats had their policies renewed in 2024 with moderate increases in the annual premiums. Today I received my renewal documents for 2025, and I am absolutely floored by what Fetch has done: * **Fetch designated BOTH cats as high risk and forced them into high-risk policies.** * **The female's 2025 premium went up by about $75 to $1380 per year, but the deductible quadrupled to $1000 and my co-pay went from 10% to 40%!** * **Even though her brother has rarely been sick and never with anything serious, his 2025 premium increased by $817 to $2200 per year, his deductible doubled to $500 and my co-pay went from 10% to 30%!** I had expected the girl's policy costs might increase, but there is no justification for what Fetch has done with her brother's policy. I called Fetch to get an explanation and see what could be adjusted at least for the boy's policy. Their answer was, "Nothing." Take it, or leave it. This is how Fetch treats customers who've had policies with them for decades. Just a big middle finger. Fetch was bought by a huge private equity firm a few years ago and these predatory business practices are the result. Wall Street has been buying up veterinary practices and pet insurance companies with the goal of consolidating the industry into monopolies that will rob pet owners blind. For Fetch it's either pay up or put fido to sleep.

Location: New York I am trying to navigate the ongoing challenges in the hardship surrender of a life insurance annuity (qualified) I inherited from my father when he passed in NOV 2013. He was 82 years old when he passed and was already taking disbursements (Metlife at that time). In early 2014, I truly thought that I had requested a full pay-out on the life insurance; however, Metlife then informed me that I had already annuitized the policy (?), and it was documented on my 2014 annual FMV notice from Metlife that there was "no servicing agent on record". At that time, I did not get too upset about the mix-up because my family was doing fine financially, then. However, I am now 61 and my wife is 62; and now our financial situation has turned dire, as last year we already liquidated the other inherited life insurance annuity from Security Benefit which was super easy and paid-out within days. The reason for this eminent need is that my wife lost her job in March 2024 and she has been unsuccessful in finding a new role in this unsure job market (>500 job applications), and her NY unemployment insurance was exhausted long ago. We also have three sons, with two currently being in college in which one of them has autism in which I have dedicated my life, acting as his personal attendant of sorts to assist his K-12 education. His disability application for SSDI is still in the appeal process with the SSA, so we have paid for his first year of community college, with a great deal of assistance from me. Unfortunately, after several documented/recorded calls with Brighthouse, they have failed to provide me with a copy of my original contract, or the ability to even open an on-line account. Whenever I call them, I am not even treated as a real Brighthouse customer as my annuity contract is immortalized allowing me no visibility of my account, and I am informed that I will not be able to withdrawal the money until age 73. After 11 years, the annuity is only worth \~$28,000 (started out at $37,000 in 2013). It's not a lot of money to most people, but it could save my family at this point! I would be so grateful if the legal expert in this community could help me navigate down the correct paths to possibly resolve this solution as we really can't afford a financial planner or attorney at this time. I'm not even sure that I'm using the correct surrender request form (EF-70N-DXC 10/23) because I never get a response from Brighthouse, and I am very gracious in my communications with them.

Townhouse covered by condo insurance. Pipe in the ground(HOA property) breaks, excavation needed to determine the cause and replace the pipe. Insurance denied repairing the pipe due to wear and tear which is understandable,, but shouldn't they pay the excavation which was needed to determine the cause? There was other damage that was covered. Montana condo policy. Back up water/sewer damage coverage on the HOA policy.

Can anyone give me tips on how my Ucare/DentaQuest can cover my teenagers braces because she has a very wide noticeable gap on her teeth from the fact that she was born with an extra tooth and had to get it removed and rarely smiles with her teeth anymore. She’s done 2 orthodontic evaluations for them and they keep denying her but she really does need them and that’s all she’s asking for her birthday this month but they keep telling me she needs a medical reason or doesn’t fit the certain conditions they approve but I can’t afford to pay them out of pocket.

Wondering if anybody has any advice or information they could give me I live in California and have progressive. I made a claim back in January to get a chip fixed with Safelite and that chip still turned into a full crack across my windshield my insurance went up and the deductible to get the windshield replaced was 500, so I decided not to do it Here we are now in July and I do want to get it replaced, but I don’t know if it’s better to just pay out-of-pocket or go through my insurance again with the risk of my monthly going up. Is there a way I can talk to my insurance so that my monthly payment doesn’t go up or should I just pay out-of-pocket. TIA !

My vehicle needs a new windshield. It’s a lease and reading the agreement, it says the following: You are responsible for repairs of all physical damage that is not a result of normal wear and use. All service and repairs must be made with new and genuine manufacturer’s original equipment replacement parts, regardless of the terms of your insurance policy. Does this mean it has to be OEM? I have GEICO and they said they will not pay for OEM.

I’ve been reading and have found out that many considers equitable a terrible company. However all the information I’ve read is more from an investing point of view rather that this scenario. So is it equally as terrible for 401k as with investing? Am I good to take advantage of the 401k while working here (I’m not planning to work there for years or anything) or should I just get that money and invest it myself on an IRA fidelity’s account?