I was involved in a multi-vehicle accident almost two years ago. As the statute of limitations nears, State Farm who insured the at-fault party reached out asking for a blanket release of medical, work, and school records for a bodily injury claim. I’m obviously not signing that. My insurance already paid the only medical bill I had related to the accident directly and seems to have collected money for the vehicle and related expenses from State Farm. Am I obligated to provide State Farm any other documentation for the claims that have already been paid? Want to put this saga to rest for good.

I recently adopted a 1 year old Golden Retriever and I am attempting the long arduous task of finding the right pet insurance. He is healthy and has no pre-existing conditions — albeit the one that will be documented once I bring him to the vet this week for anal gland expression (which isn’t covered by most insurance providers anyways). I am aware of some of the health conditions that golden retrievers are susceptible to, including hip dysplasia and cancer. And, I know, based on first hand experience, that the breed is extremely accident prone. So I am opting to start the policy early to eliminate other complications from becoming pre-existing conditions if I wait till later in life. At first I looked into Trupanion because I like the premium service of the provider paying vet bills directly (saves some headaches). And I like that it is on a per condition deductible basis, where each condition deductible can be met earlier in life. But I can’t get over some of the horror stories about increased premiums. I am financially able to afford such a service, but the rate increases just seem unreasonable. I’ve also looked into Pets Best and MetLife. Are there any recommendations that you can make that I should consider? Should I just go with Trupanion?

Hello, hurricane damage claim. State Farm. Upon reviewing my latest final estimate, I noticed that it is missing around $34k of damage for items: hazardous material/asbestos removal, water remediation and tree removal. These items have already been included in previous estimates but they are not listed in the most recent one. Two line items are removed completely and the tree removal was deducted from previous demolition line item now showing $500 when it was $9000 (with tree removal) This estimate has increased based on some other items like additional roofing repairs and other things to the tune of about $40k, but with the removal of $34k in line items it only goes a little higher. I am concerned why those items would be removed. I have a call into the adjuster but looking to see if anyone has any ideas. I can’t tell if they took it out to see if we’d notice and playing games or what. Those items have already been paid previously and the roof is complete as well so it doesn’t make sense to me.

So a few months back my secondary health plan changed because I made too much money to stay on the plan that covered the payments which my primary insurance didn’t cover for my therapy appointments. Today, I get a call from the therapist saying a few things: They didn’t have my secondary listed anymore(not sure why), my insurances United and mass health were not aware of each-other, and now I owe $550 for past appointments. What’s really annoying is when I had this insurance plan change, I made sure to talk to my therapist and office asking to make sure I was still covered, and I don’t remember if they gave me a *clear* yes or no, but I remember being told that it should be fine. My personal line that I drew for myself with therapy is I would stop going the second I had to pay a dime out of pocket for it(it’s been almost 2 years since I’ve started) So my question is there any legal repercussions if I don’t pay a dime to this debt? What options should I explore, if any at all. Do I just make a payment plan for 1 dollar a month? lol Obviously I feel very wronged by this, and insurance companies won’t give a damn about me telling them “oh no I thought I was covered”. Thanks for any input.

I have 3 vehicles under my name, we were in the middle of moving between cities and I decided to change the location. Due to last minute changes, we decided to stay at our current location. I went to log back into geico to change it back and it says they locked my account and when I called them they said “they are investigating the location of the vehicles”. What are my options now and what should I do?

So, I bought a car (my first ever car beside what was passed down to me) in Dec 2024, mind you I'm not a very materialistic guy when it comes to cars, so year did not mean much to me. The reason I bought the car was that my 74 chevy deluxe gave out and I needed a car asap for work. I am 24, My credit score at the time was a 686 and is slowly going higher. With no cosigner, my age, credit and job that makes me 40k yearly I figured APR would be a bit high but not this high especially for the car I received. Now for the car loan info:2007 corolla 56k miles at $11k Total car loan was I believe 20k for the 72 months The interest rate is 24.10% (prior to signing anything the salesmen stated it was only 12%, I should have read more but I was over the lengthy session, Lesson learned sadly) The loan is through AmericanCreditAcceptance. Anything with American, I know I am being screwed potentially. As the guy was shining through my foolishness, he stated I could have refinanced withing 4-6 mths after purchase if i wanted to but fear of looking more foolish is preventing me to do so. Should I be looking to refinance, and if so, how do I go about doing that? [A](https://www.reddit.com/r/personalfinance/?f=flair_name%3A%22Auto%22)

Please don't fall for them . They are a scam . Besides internist personally writing to them that my cats who (needed biopsy )condition was not pre-existing sending 2 years of medical records calling emailing speaking with several people who barely know what their doing they denied my claim. Don't fall for their lying sales people . I report them to BBB I hope more people will ,Spot can't keep scamming people.

This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

My dad just went through open enrollment and he opted out of employer Medical insurance since he is starting Medicare as of today (he used to have the Medical insurance but the increase in price made Medicare a better choice). He only signed up for dental and vision. I called his insurance company (aetna) just to double check and they say that it shows he has all three: medical, dental, and vision. I told them we didn't sign up for it so they told me to contact our employer so they can update the information. My dad spoke to someone in HR who says that there might be a delay since today is the first of the month and the first day of the insurance taking place after open enrollment. Does this sound correct? Should i give it time? Just trying to make sure everything gets updated correctly especially since my dad signed up for Medicare B with special enrollment (qualifying life event of losing employer insurance so that he doesn't pay a penalty for signing up after 65).

So like the title says, I crashed my car in July. It was stated that I was at fault and geico covered every bill, except the ambulance one. The thing is, I didn't know there was an ambulance bill until a month ago, they said somehow the ambulance wasn't able to get the insurance or anything but I called GEICO and sent over the bill, and now they are saying they can't cover it and it has to be sent through my health insurance. I'm confused on that part because I thought if it was a vehicle accident then GEICO would cover it, but now they're saying otherwise. I'm just trying to understand the policies cuz I'm just confused right now. Edit: I live in NJ, and they said my coverage wasn't exhausted yet.