For context, the state is Maryland I live in a rental house and there is a prior resident named Stacy D. (Hiding her last name for privacy). I don’t know this person, other than occasionally getting some of her mail in our mailbox, which leads me to assume she is a prior resident at this unit. This morning, i had new policy documents added to my Progressive policy. They added Stacy D. to my policy as an insured driver, and my rate increased from $140 a month to $580 a month. I also lost some of my discounts, like safe driving discount, because Stacy D. has apparently been in two at fault accidents in the past year. Now I called progressive to remove this person from my policy, and their underwriting says that she can’t be removed unless i have proof of address showing that she doesn’t live here. A few questions: 1. How do i prove that someone (a stranger) doesn’t live here? I don’t have any contact info for her or any way to get her current address. I don’t know this person or have any knowledge about her other than occasionally getting junk mail that is addressed for her. 2. Is there a possibility of me getting any discounts (such as safe driving discount) added back to my account, if I am able to remove this person? 3. Because i live in a rental unit, are there any other steps I can take to prevent prior residents from being added to my policy in the future?

Recently a storm blew through and did a ton of damage in the neighborhood. Adjustor came out and declared the roof a total loss, however all said they were exploring possible negligence. Couple weeks later they declared that the could only pay for half the roof because they had pictures of roof damage 2 years ago (damage was just a dozen or so 3 tab shingles that had torn off, nothing major, which was since repaired). The next day they just deposited the money in my bank account, however I haven't signed or agreed to anything. Is it possible or worthwhile to fight this? Unfortunately I don't have a paper trail of the roof repair because a friend of mine fixed it to return a favor. I spoke with a roofing company with good reviews on Google who said they will fight it for us. That a good idea? Also reaching out to my friend to see if he has any companies he recommends.

A few weeks ago, my driveway suddenly collapsed. After some initial inspection, it was determined that the cause was a failed 96” storm drainage pipe running underneath the driveway. This pipe is in an easement, common area, which means it’s the HOA’s responsibility—not mine as the homeowner. The CC&R’s clearly state that the Association is responsible for the maintenance, inspection, and repairs of the retention basin. It’s been 6 weeks since the incident and since then, I’ve been trying to get the HOA to take action. They had a contractor and inspector out, and they’ve submitted a claim to their insurance company. However, progress has been really slow. I haven’t received clear answers or timelines, and the damage continues slowly worsen by the day. To make things more complicated, I’m currently part of a construction defect lawsuit—along with other homeowners—against the original builder. The HOA and the law firm plan to include this drainage pipe failure in the existing lawsuit, since their initial review suggests it was likely caused by “defective construction”. The law firm says they’re now waiting for a temporary repair recommendation from a geotech engineer expert. Once they have it, they’ll send it to the HOA board for review and approval (or denial of the repair). In the meantime, I got a message from the HOA’s insurance company saying coverage is still under review, but that I have a “duty to mitigate damages and should contact MY property damage insurance (WHAT?!?!). That’s confusing and frustrating, since the drainage system that failed is owned and maintained by the HOA—not me. I’m doing my best to stay on top of everything and keep communication professional, but it’s exhausting, and the lack of urgency from all sides is really frustrating. Would love to hear your thoughts—am I being unreasonable here? What else should I consider? Location: ca

I'm on my mom's blue cross blue shield medicaid IL insurance and for some reason I was kicked off last month and now it says I'll be back on next month. My mom isn't sure why that happened. When I tried to make an appointment yesterday my bcbs insurance ID wasn't working when it always has. But I NEED to go to a hospital some time soon. Will my medicaid ID work or are they together? If it doesn't work does that mean I'll have to pay out of pocket if I go before next month.

Been on Sunlife LTD now for 6 months after surgery and resulting (ongoing) nerve pain requiring medication with side effects impacting ability to focus/concentrate seriously impacting my job. My doctor thinks I need more time for the nerve pain to settle but Sunlife had said it is time to start a rehab program (physio) which my Doctor sees as having no benefit at this time. Sunlife insists and says lack of compliance by me, even if under the guidance of my doctor, can jeopardize my ongoing benefits. They had sent the Doctor a note with their proposed plan and gave him a whole 2 weeks to agree or justify why not. He won’t be responding as he is off for spring break and has a huge patient load. If no response from him, Sunlife said they simply move forward. I am not sure how to proceed - must I follow their proposed (e.g. get this claim closed asap) plan without any consultation from my doctor or can my doctor propose a plan? And can they simply ignore my doctors perspective and/or simply move ahead if no response?

Last June, I went to urgent care because I was leaving for a vacation out of the country the next day and started feeling sick. I couldn’t get into my primary doctor before leaving and just wanted a steroid shot or antibiotics to avoid being miserable during my trip. I went to an urgent care near my job, knowing it would be more expensive than my normal copay. I usually pay a $25 copay at my primary doctor, but urgent care costs $50. When I arrived and checked in, the receptionist asked for my insurance cards, which I provided. I’m double insured, as I’m still on my parents' insurance, but I use my insurance as primary and my parents’ as secondary. I’ve never had any issues with this setup and typically don’t have medical bills because of it. The receptionist asked if another name (I assumed it was another patient) was on my insurance policy. I confirmed that I’m the only one on my insurance policy and explained that my parents’ insurance is secondary. Both of my insurances are Blue Cross Blue Shield, though I’m not sure if that matters. The receptionist seemed confused but said, "Okay, it’s going to be expensive, but your copay is $50." I agreed, since I felt awful, and paid with my HSA card. I was only tested for strep and flu (both negative) and was diagnosed with a sinus infection, for which I received a steroid shot. Fast forward to my trip abroad, where I had to visit a doctor at my resort, pay $500, and was diagnosed with bronchitis and the flu. Last week, I received a call from a collections service saying I owed $244 for my urgent care visit. I asked how that could be possible since I was double insured, but they couldn’t answer. I called the urgent care, and they directed me to their billing number. After waiting for an hour and a half on hold, I was told I owed the amount. I asked again why, given my double insurance, and they said they only had my parents' insurance on file, and that their insurance had denied the claim. I asked why it was denied, explaining that my primary insurance at the time was through my job and my parents’ was secondary. They asked to put me on hold to investigate, but the call was dropped. I called back and was on hold for 45 minutes. I then received a call from an unfamiliar number, and the voicemail said the call had been disconnected and to call back to resolve the issue. I called back and reached a different urgent care I’d never heard of. I asked for the person who left the voicemail, and they said they didn’t know anyone by that name. I explained the situation, and the person said they had been receiving similar calls from others and advised me to be careful with the information I shared, as they were unsure if their office number had been linked with spam. I then went to the original urgent care, which is 10 minutes from my job, and asked for clarification. They explained that my primary insurance was never added to my account, but when I went in for clarification, they added it to my file. Since their billing has been outsourced to a third-party company, they can no longer access statements or accept payments. They directed me to that number but said they would speak to their manager and call me back since they’ve received multiple complaints since moving to this company. I’m unsure what to do now, as the urgent care never billed my insurance correctly, and the bill has now gone to collections. Any advice on how to proceed?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Not really sure the best place to post this question. My health insurance fully covers labwork, which I confirmed with them prior to getting an MMR immunity test earlier this month. As in they couldn't find anything in my coverage about specific tests because I have 100% coverage. So day of my appointment imagine my surprise when the phlebotomist at my doctors office says I owe $40 to quest for the lab work(in addition to my $25 copay that I paid at the front desk). I thought it was weird, but figured I'd get a refund when I got my EOB. So I hand over my debit card, she enters the info on her computer, draws my blood, and then I go on my way. Today I get the EOB for that visit and it says, as expected, I shouldn't have paid anything for that visit. So I check both my bank accounts only to find there is no $40 charge for Quest anywhere. And then I remember the same thing happened in January with Labcorp. I went to a physical Labcorp location for bloodwork ordered by my dermatologist, they said I owed some amount upfront, I handed over my card, then when I got my EOB it said I owed nothing, but when I checked my bank statements there wasn't a charge from Labcorp at all. Nothing the day of, and nothing on subsequent days for a refund. What is happening? Are they somehow able to void the charge so that it completely disappears from my bank statements when it turns out my insurance fully covered it? In the future I'm going to be getting screenshots of any posted charges(and asking for a receipt), just to prove I'm not losing my mind. If they didn't charge my card on the day of my appointment, would they have charged it later upon learning I did owe something. Can they even legally charge my card at a later date, or would they have to send me a bill in that situation? With the Labcorp charge I thought maybe I'd misremembered paying because I've been getting lab work there for years and never even had to stop at the front desk. My insurance at work did change from UHC to BCBS this year, but our coverage stayed the same. But I know for sure I handed over my debit card to the phlebotomist at my doctors office and watched her enter the card information on her computer. Though I don't remember if I got a notification of the charge on my banking app. Do I still have to keep giving them my card if I know my insurance fully covers lab work but for some reason they are lying and saying I owe money upfront and then the charges are vanishing?

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.

I am 24, and I got my license at 19. In the past 3 years I have had 3 accidents, 2 of which the car was totaled/not worth repairing. We have Geico, and to renew the plan with me on it they’re charging is about 8k per 6 months, or about 1300 a month. When my dad tried to shop around, the only other company willing to take us on with myself as a driver was Progressive, and when all the details were filled out they wanted to charge us even more. Since I am a member of the household with a license, I have to be on any car insurance plan he gets. We have two other cars, so selling my car wouldn’t impact my dad. I was thinking that after selling my car, I could use the money to pay for ride-sharing. Also: if I turn in my license now and try to renew it next year, will the premiums go down or stay the same?