Hi, I recently canceled my joint insurance policy that was under my brother and i's names. They sent a refund but the check is only in his name, I asked if they could send another check in my name because he's not available to cash it, and they said that his name was the only one on the pay account for the policy even though the policy was in both of our names, so state farm will not issue another check in just my name, or in both of our names. Is there any way for me to cash it? I'm the only one that paid the bill for insurance for 2-3 years using my card, in my name every month. And I think it's a little stupid they won't issue another refund to me specifically, when it's my money being refunded. Any help or advice at all would be greatly appreciated, thank you!

So Lemonade had me take some house photographs and asked some questions as we’re approaching the first renewal of our home insurance. Separately, we had some hail storms and our roof got beat up. I had a roofer take a look and he said the roof is a bit old (the pictures he took supported that) and it has impact damage. Well as I’m researching my options, Lemonade says they are dropping us because we have a tree that is close to the house, it’s a small one, and our sewer line is cast iron under the house. Since the hail damage occurred under the Lemonade insurance, is it worth trying to file a claim before they drop me? Will it make it harder for me to find insurance? I imagine a damaged roof is harder to insure than a new one but I’m not sure

Just got a letter from Erie Insurance a few weeks ago that my broker was dropping Erie and I need to find new insurance. I have a damaged chimney that I was planning on having an adjuster out to investigate to see if it was covered or not. I noticed the damage months ago, but decided to get quotes from brick masons before calling my agent. It took a very long time to even get anyone who would show up to quote it for me. Was told that it was structural and the chimney needed to be demoed down to the roof line and rebuilt, adding some new lintel. Quote was $7,500. I called my insurance agent and left messages on a few occasions. There does seem to be water damage under the roof, but I think it’s on old repair from where I had the chimney flashing and sheeting replaced around the base of the chimney at the roof years ago. So a few weeks ago, I get a letter stating that my policy was not renewing. I just talked to my broker and mentioned the potential claim (probably stupid move on my part) and what to do. After some questions, it looks like if I start a claim with Erie, it will show up on reports the new company can see and will have an open claim without a disposition. I could just jump ship altogether and get a new policy and hope they don’t do an inspection and find the chimney damage. I obviously need to get this fixed, and I will, but the timing of all this is terrible. If I can’t get a new policy because there is existing damage, there will be a lapse in coverage which could also screw me. Anyone got any advice? I’m thinking of just rolling the dice with a new claim and hope for no inspection, get the chimney fixed out of pocket and move on with my life. My dad recently switched from Erie to Farmer’s and they didn’t require any inspection that I’m aware of.

I believe that a Psychiatry doctor within my Aetna Network is no longer licensed or have an active license in Texas. He has a NPI and Medicare number and part of multiple insurance networks. But, I cannot find an active license for Texas and Aetna actually says that they do not verify if a doctor is still licensed?? This is not good! Would you assume that a doctor is active if he's a part of a network?

Hi reddit, Today I found out that my pet insurance through Nationwide expired in October 2024. I received ZERO notice. No emails, no letters, no alerts. I only realized after trying to submit a claim for last night’s emergency vet visit for my dog Walter and saw the policy was not active. I haven’t needed to file a claim since July 2024, so I wasn’t logging into my account regularly, but I had no reason to think coverage wasn’t active. I’ve checked everything (inbox, spam, physical mail, account notices/documentation) and there was no warning at all about the “expiration”. I’ve already contacted Nationwide and I’m waiting for a response but I’m an anxious person and looking for any advice or insight while I wait… Some context: -I’ve been a Nationwide customer since 2020 (originally for my hedgehog, RIP) and since 2022 for my dog. Any time there was a payment issue in the past I would receive multiple alerts and I would resolve it same day. -There WAS a payment issue August 2024 which I fixed immediately and I confirmed AUTOMATIC payments were reinstated. I have documentation of that. I recognize I’m privileged to be in a position where I don’t have to closely monitor every transaction, so I wasn’t regularly checking my bank statements. I know that’s not everyone’s reality and I say that not as an excuse but to add context. I’m really upset. I genuinely thought Walter was covered and now I’m dealing with a vet emergency completely out-of-pocket. I’m also panicking that he may no longer qualify for a new plan with his pre-existing conditions that developed while he was covered. Has this happened to anyone else? Were you able to appeal, get reinstated, or have a claim approved retroactively? And for anyone with legal knowledge, do I have any rights if I was never notified that my policy had ended? Thanks for reading if you got this far. I’d really appreciate any advice. TL;DR Found out my Nationwide pet insurance expired months ago with zero notice. Had autopay confirmed active after a payment issue. Facing an emergency vet bill with no coverage. Looking for advice, experiences, or legal insight on whether I can get coverage reinstated or claim paid retroactively

Proud owner of a 2013 prius for about a year now. During memorial day weekend, my catalytic concerter was stolen while i was parked in Brooklyn. Got a police report, filed a claim with geico, and got it fixed after a couple weeks ($500 out of pocket cost for deductible) This morning when parked in a pretty good neighborhood on Long Island, turned on the car and heard the hellcat noise. Made my stomach sink, worst feeling ever. I'm now contemplating what to do. I'm sure in NYS, any decent fix would run me at least $1,500, likely much more. The last fix receipt showed $3,200 just for parts. But I'm afraid to file a big claim twice in such a short time span. Will my insurance consider non renewal or flag me as a risky driver? I'm pretty new to having my own auto insurance, any help or suggestions are welcome. Can't really afford anything beyond $500 right now😓 The way people go around doing this type of stuff is sickening. Makes me so upset lol

A few weeks ago I was rear ended at a complete stop. Had dashcam footage, etc. so all set there. I subrogated through my insurance and got my car fixed, etc. That is done. My adjuster said a diminished value claim would have to be made directly with the other party's insurance, Tesla Insurance in this case, however. I got the information of the Tesla adjuster - just a name and phone number. He doesn't answer calls and his voicemail is full. He also does not answer texts. I am wondering what next steps could be - I suppose I could file a small claims case for the diminished value to get things moving. It has been a while. I was hit in a brand new, high value sports car with a few hundred miles so I am *very* keen on pursuing diminished value.

I got the preventive care option which meant I had a 0 day waiting period for accidents and preventive care. My dog got his teeth cleaning and, preventive anesthetic bloodworksoon after. I submitted the claim but the denied it, saying it was an illness. He never had an illness for it bwfore and didnt have any symptoms for the bloodwork. Can I appeal? Please help it was $1500

I am currently a policy holder with Geico and have have owned my car (beater) and insured with Geico since last 7-8years. Today I got a phone call from Geico for a claim against me and it got added to my account. (I have no current relation to this vehicle and the date and time that they mentioned I was in office) Background (Spring/Summer 2023): * I was briefly on my family member's insurance with Geico \~2years ago * Family member sold/transferred the car to the new owner \~2years ago * Family member did car's transfer paper work including release of liability * The new owner did confirm that they went to DMV and transferred the car under their name within the 10 business day period * Family member canceled the Geico policy which I was part of as well (secondary driver) since I would occasionally drive this car (there is an email confirmation from Geico for cancellation of the policy, also \~2 years ago) * To reconfirm family member spoke to DMV agent through chat and they confirmed the car's title and registration was not on their name anymore (however due to privacy they didnt mention the new owners name) - Their is saved transcript from \~2years ago But \~2years later a claim gets added on my Geico policy for this vehicle. At this point this vehicle ownership is not under me or my family. The vehicle was sold/transfer to new owner back in 2023. Assuming the new owner that took the ownership of the car got into an accident but I have nothing to do with this. Spoke to Geico and did not get clear instructions at first and then the last customer service agent tells me to provide proof that there is no relation to this vehicle. I and family member who owned this car previously not sure how to handle this situation. Anybody experienced anything like this before? Appreciate any comments

Back in 2023/2024 we had a tree brand fall on the A frame of our Highlander. We called state farm, they decided after an assessment a repair would do the trick. They wouldn’t let us use Toyota without paying 50% out of pocket. So we ended up using their preferred shop. Long story short, the replaced the windshield and “repaired” the A frame. It was still leaking and we went back, they “repaired it again” and it was fine (minus the water stains on the head liner). It’s been about 16 months or so, and it is leaking again. No additional accidents or anything. My wife and I are incredible tired of dealing with this. Anyone have any tips on dealing with state farm for this situation? The value of the Highlander went down 10K just from the accident alone which is crazy state farm wouldn’t give us compensation for(IMO). We honestly would prefer to have a new Camry or something at this point and not worry about mold, stains, or possible leaks again. TIA.