Hi all. I'm confused and a little suspicious. Long story short, had a tree fall and cause damage last year. Work is done, and the invoice came to roughly $65k (Siding + roof for garage and house). Insurance gave me roughly $62k, however I opted for a higher quality siding than the basic, so $3k was coming out of my pocket. That invoice is paid in full. For the main structure (house): RCV is 49k ACV is 42k So there's about 7k Dwelling Recoverable Depreciation that is available. However, my insurance rep is making that 7k as a payment to a sub-contractor that I've never heard of and in the email stated that the 7k is going to my contractor. Why are they getting 7k more when I've already paid the invoice? I'll push back on the payment but I want to go in with facts but I can't seem to wrap my head around it. I've asked the question to my insurance rep 4 days ago but she hasn't responded. Can anyone ELI5 what exactly is going on or am I getting bamboozled? Thanks!

Hi, I am really lost and in need of advice. I was involved in an accident where my car had to be towed away (edit: to a combined autobody & tow shop). Because the airbag deployed, they were assuming it would be totaled, and Progressive said they were coming to pick it up to evaluate the damage themselves; not allowing the body shop to give an estimate. (edit: 2013 Kia Optima) I was told by Progressive that the driver at fault carried the minimum property damage allowed by the state of Maryland and he was "afraid we were nearing that limit since they paid $5,000 to get my car released from the tow lot." My car was there for 1 week (8-5 thru 8-12) and I released it to Progressive on (8-8), they just didn't pick it up until today, 8-12. I thought that was a crazy amount, so I called the tow yard(edit: combined tow yard/body shop). They claim Progressive did not pay them a dime. The body shop only received a check from a salvage company (which I didn't (at least knowingly) authorize, and they don't even have proof of the title in my name.) The tow yard (edit: combined tow yard/body shop) is claiming that even though they got a salvage check, that shouldn't affect the amount insurance should pay me. Does anyone have any additional information or advice? Is this just a "he said / she said" situation? TYIA!

I've paid $3332 in premiums for my dog's insurance policy. Now, the first time I try to file a claim for a dental extraction, it is not approved because she had a pre-existing condition of "mild gingivitis" three years before our policy began. [They boast all over their website that they have the most extensive coverage for dental compared to other pet insurances](https://www.fetchpet.com/the-dig/does-pet-insurance-cover-dental-care), but they do not. My dog's gingivitis was so mild at that time the vet said it was not a concern, but apparently that is considered a pre-existing condition. Just want to warn other pet owners out there.

I brought my 2022 Low Rider ST (model FXLRST) down to Florida for Daytona bike week, and unfortunately I was hit by a Ford E450 and my bike was totaled. When progressive calculated the motorcycle’s value they used JD Power and with “standard” equipment they said my motorcycle is worth $16,040. However, if I were to select “options” I’m able to select all standard equipment that isn’t optional and it increases my motorcycle’s value to ~$18,300. That’s a significant difference. The “optional” equipment in question are things like a full fairing, oil cooler, cruise control, high performance exhaust, security alarm, saddle bags, and a standard suspension. All those aforementioned features come on the bike straight from factory and are in fact not optional at all. They are as standard as A/C and AM/FM radio in any modern car. The bike just comes with that stuff and that price of those things are factored into the MSRP. This is completely separate from my accessory coverage to cover things like a custom seat, better headlamp, new foot pegs, flat out crash bar, etc… those are all aftermarket and wouldn’t count towards the base price. I’m aware of the difference and am not talking about those items. I’ve forwarded my bill of sale to show that none of those features were options that were installed at the time of purchase and any field adjuster could with the help of a service professional could identify every feature on the bike. So why is Progressive so confused? Where is the disconnect?

Not sure if I tagged this right, but basically I was covered by a MA ConnectorCare (CC) plan until January 31st of this year, and now I am covered by my employer's BCBS plan as of February 1st. I received my first Gardasil shot on January 31st, the last day my CC plan was active, but my doctor billed BCBS (I added it for my second shot on Feb 28th) and now I'm getting a $700 bill for the office visit and the shot because that coverage wasn't active yet. Is it possible to tell their billing department they need to retroactively bill the CC plan as that's what I was covered by on the date of service? I actually work at the office where I got my shots, and I have a pretty good idea of what my plan will cover with or without a copay, and this is not correct.

I got involved with them on my 18th birthday, which was in November. I left at the end of December and told them I was moving to Houston. I got the life insurance policy when I joined since it was required, and I canceled it yesterday. Today, I got a call from the agent who recruited me. I told him I couldn't talk, but he said the contract required me to keep the life insurance policy for 17 months. I hung up, blocked him, and called my cousin since he also joined at the beginning of 2024 (recruited by the same person) and left shortly after. He canceled his policy as well. I told him about the call, and he said the agent called him too when he canceled his policy, telling him the same thing. He told the agent he didn't want it, and the agent said he would be sent to collections or something like that. I don't know if that's true but I don't know what to do.

I have a renters insurance claim due to a total loss from roof collapse and flooding during a storm. I sent in the inventory list (replacement cost policy) and there is about 10K in depreciation. My problem is I had $4k + (remaining after 2 weeks in a hotel and food) with loss of use but my adjuster gave me two weeks to move into a shoebox compared to a huge townhouse I had. I can’t even buy the vast amount of things I lost due to the sheer size of where I live with no storage (I have one closet compared to a whole finished basement and utility room). The list they sent with the check for actual cost is in my hands. The list is printed and huge (mine was a spreadsheet). I’m not happy. Quite frankly if I was given more time to use my loss of use (we did 2 weeks in a hotel for a permanent move) then I may have a larger place. I want my money back (replacement cost) and almost wish I negotiated a settlement. I’m not sure if that’s still possible but what’s the best route here since

We were uninsured for awhile, and honestly, it wasn't that bad. We had a 94% discount from the hospital we used and had a great experience with them for many years. Fast forward to last year, we officially got insurance. Cigna. We have an HSA account and a high deductible. We spend SO much money, but I view this as paying for peace of mind so if anything horrendous happened we would be covered. Now, I just got word that our hospital is discontinuing service with Cigna and everything is going to be considered out-of-network. This is a blow to our family because 2 out of the 4 of us require specialists. My son is medically complex and the hospital has a children's hospital wing where he sees 5 specialists a year and may need surgery in the coming years. I've spent years finding a medical team that works for our family and they're all at this establishment. It's all being pulled out from under us...it takes effect in 3 weeks. I don't know what to do now....should we go back to being uninsured? How do we shop around for insurance? Should I look into catastrophic insurance? A friend recommended US Health Group but after searching this sub I'm hesitant. Key points: 1) We make too much money for any form of government assistance (however, we are NOT wealthy) 2) We live 2 hours away from the next closest children's hospital and I have yet to find out if they accept Cigna. 3) How do I vet an insurance company? TIA

I originally signed up for the Chase $900 bonus approximately 18 months ago, but didn't end up depositing any money into either the checking or savings accounts (ended up not having enough liquidity at the time due to unexpected events). They ended up closing both accounts after 30 days with a $0 balance on both. I confirmed this with a Chase representative on the phone. However, he claimed I was not eligible even though I would appear to technically meet the eligibility criteria (account not closed in the last 90 days; no accounts closed with negative balance in the last 3 years; only allowed to receive one new checking and one new savings account opening bonus every two years from the last coupon enrollment date and only one bonus per account). He claimed that I had closed my account too recently, even though the plain text of the offer would seem to suggest otherwise. Has anyone had any experience with a situation like this? Is there something else I'm missing here as to why I might not be eligible? Will Chase let me know whether I am eligible or not when I open the accounts? Or do I only find out when I end up receiving (or not receiving) the bonuses? Thanks in advance for any advice.

Hi, I’m trying to find pet insurance for my 4 month old Maine coon but Pet plan is extortionate. I don’t know any other insurance company that pays direct rather than potentially being stuck with a huge bill to pay upfront. £47 a month seems high for a young indoor kitten/cat. Why is Pet plan so expensive compared to other providers, do they offer more or is it because the pay vets direct? Can anyone advise if cheaper policy with insurer that will pay vet direct?