I decided to delve into my homeowners policy to understand it in more detail because of a current potential claim. I was amazed that the 30-page document that I had from Allstate didn’t include may details beyond our coverage limits. There were 8 “amendments” listed, but only 2 were included. After chatting with a customer service rep, it appears that the information I need is in the “policy jacket”. Amazingly, I can’t get an electronic copy and have to wait 5-7 business days to get a copy in the mail. So much for paperless.

A couple of months ago I was involved in a small fender bender. I turned right leaving a parking lot, which ended up being a right turn only lane and I needed to go straight. Naturally I began the process looking to merge left. The lane to the left was a turn right or go straight lane. I am looking into my left mirror to see if I have space to merge while also seeing which cars are turning right as I would have no other choice but to make the right turn if there was no opportunity, to avoid a T-bone like situation I notice plenty of space behind Vehicle A once they passed me up. As I am looking at my mirror, Vehicle A speeds up and doesn’t have their turn signal on, meaning they should be going straight. I slow down so they can pass me up and all of a sudden Vehicle A decides to make the right turn abruptly as if they were late to something. They did not see me, but I saw the car, beeped, and did my best to turn along with Vehicle A to mitigate any damage. We collided with typical fender bender cosmetic damages. Within 3 minutes between collision and pulling over, the drivers dad shows up out of nowhere and does the majority of the talking for her. He was saying things like “it’s up to you if you think the hassle of going through insurance is worth it” which I took as discouraging going through insurance because they felt they were in the wrong. The cop pulls up and is very quick to deem me at fault without any major details (Vehicle A had police plates lol). Cop gave major attitude when I asked how I can retrieve the traffic camera footage as it captured the incident perfectly. I also was not cited for anything. I was able to retrieve the traffic camera footage and submit as evidence to Vehicle A’s claim. I was on the phone with the adjuster as she reviewed the evidence with me. She told me it was most likely going to be deemed double fault for “unsafe lane change” and the opposing drivers failure to indicate a turn signal which the footage showed. I understood and was told I’d be contacted before a decision was made. The claim was closed mid February and I was never contacted, so I assumed the claim was denied. Today I reached out to the adjuster to verify and was told the case was closed and I was 100% liable for “unsafe lane change”. I inquired as to what caused the change from the double fault I was told about to this, and was completely ignored in the adjusters reply as she just stated that she’d resend the letter. The letter is very minimal and doesn’t mention the cause for liability. I am livid that the driver gets to walk away with nothing on her record for her negligence. I understood no matter what I’d be affected, which I didn’t agree with as the wording makes it seem like I hit Vehicle A as I merged to the left lane when Vehicle A made the right turn that ended up hitting me. Is this just a poor insurance company or is the lack of communication common with insurance claims?

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.

When I turned 18, my dad made my start a Roth IRA with Ameriprise because I had an unexpected source of income coming in that he wanted me to put away. Well, since then I have continued to put money into that account and I talk to my FA semi-regularly. Well, I am now 22M and going to be making some real money soon and after some research, I see a lot of people saying to avoid FA for a Roth, especially Ameriprise. I am glad my dad had me do this when I was 18 but now I am wondering if I should move my Roth to something else. For full disclosure, I have put in $19,000 total, and it has grown about $4,000 in that last 4 years or so. However, I do not really know where to begin. Should I move my Roth away from Ameriprise? How would I move my Roth? Where do I move my Roth? I have seen mentions of Vanguard, Fidelity, Schwab and others. How would I choose one? Don't services like these also charge some sort of fee? Thank you so much for the help.

Hello, We've had Trupanion a few years and it's an excellent product; we don't appreciate the way their representatives do business at times. Is there another business doing coverage that pays vets directly, when going to a participating vet, for accidents? Trupanion doesn't cover wellness and that's fine. There are some in the UK, hopefully the states catches upR

hey all, I was with nationwide insurance for my 2 young cats for the past 2 years. Never needed to use them but the $50 a month was worth it for me. Yesterday I found out they discontinued the ‘whole pet plan’ policy they were signed up for in my state and did not notify me. They cancelled it end of December with no email/call/correspondence. They created a new policy similar to their original and discontinued the one my cats were on. I went in to double check the illness coverage for their policy because I was about to bring in my sick cat, and that’s how I found out they cancelled his coverage. I spoke to 3 different people and their supervisors for hours and they refused to reinstate their coverage on a different plan until the 2 week waiting period was over, and didn’t take any accountability for their failure to contact me before/during/after they cancelled his coverage. My cat is now entering early heart failure and the testing to diagnose what type will cost over $5,000 to get him into a specialist. He’s only a 5 year old cat with no signs of a heart murmur/heart and liver issues until yesterday. As of now, he’s on various medications to try to stabilize him until he’s healthy enough for an echo exam. I chose Nationwide because they appear to be a reputable insurance company in other regards, but I will never be enrolled with them again in any capacity. I’ve never really written a review on any experience that I’ve had because I feel like everyone has different experiences. PLEASE do not use this company for your pet insurance. I don’t want anyone else to have to go through what my cat is facing and the likelihood he will have to be put to sleep in the coming days. It’s devastating and the fact that there may have been a different outcome if he was able to get all the testing in the world without financial issues is something I’m going to be thinking about forever, which is the reason pet insurance is so vital for any animals we own. There are so many other insurance companies that will do better and care for your pets and nationwide isn’t one of them ♥️

Tl;Dr: Hertz overcharged me when renting a car. After customer service could not help, I opened a dispute, but on the wrong charge as I'm dumb. The dispute was closed and money returned to Hertz. Now they have sent multiple invoices requesting payment for this charge, and as of March 5 it has been sent to collections. Hey! So back in August 2024 I rented a car with some friends, to be picked up in San Francisco and returned to Las Vegas. We booked online and chose the extra insurance and have a layout of all charges in the initial email. We paid $350 CAD when booking. When picking up the car, we also added a secondary driver. The remaining $1680 was to be billed to the card already on file. When the email came through after picking up the car, I saw it was about $230 CAD above what I expected, but I assumed this was a damage deposit or something of the like. When we returned the car however, the final invoice was still about $230 above what I expected based on the initial booking invoice, plus the additional driver. This is also taking into account the charge for dropping off at a different location, the extra insurance, etc that was all listed in the initial email. Unfortunately, we dropped off the car late at night and flew home the next day, so there was no staff in the office to speak to. Fast forward a couple weeks, the two charges were posted and still remained, collectively, about $230 above what I was quoted, including the extras we chose. So I called Hertz. Customer support couldn't see any issue, but also said there was no manager present to speak to. They put in a request with their financial team to contact me. I was never contacted. A couple days later, I called again, and met the same result. I should have been more aggressive and demanded to talk to someone who actually knew how to look an invoice, but I didn't. Again I got them to request an email from the financial team. This time I did get an email from them, to which I replied and explained the situation.. And never heard back. At this point, I just opened a dispute with my credit card. Unfortunately, I still wasn't sure which exact payment was overcharged, so I opened the dispute on the initial booking fee of $350. This means that this amount is refunded back to me temporarily, pending the final results of the dispute. In hindsight, that was obviously not the way to go, but at the time I assumed they just didn't subtract the booking deposit from the final bill. However, this was incorrect, and by mid December, after Hertz replied to my bank, it was deemed to be incorrect as the overcharge had nothing to do with the booking deposit. The $350 was returned to Hertz on December 13th. They already have the money. However, in mid-January, I received an invoice in the mail from Hertz detailing that I owed $350, with an invoice date of December 29th. So two weeks after the money was already returned. Prior to this letter, I also called Hertz yet again, and finally got someone who felt sympathetic and refunded me the $230 I was overcharged. This was done through official channels as he sent the request to their financial team. I wish this had been the result at the beginning, but unfortunately here we are. Now I stupidly ignored this first invoice letter because I assumed that once their financial team did a year end balancing of accounts, the disputed amount of $350 would be seen to have been refunded back in December, and I just wouldn't hear from them again. However, that was not the case, I got another couple letters from Hertz. Two weeks ago, I emailed the address listed on this Hertz invoice, and explained, in rather pissed off terms I confess, the entire situation, and that the money had already been returned to Hertz. I made sure to iterate multiple times that they already had the money back that they were requesting. I got an email a few days later notifying me that my email had been forwarded to the Hertz collections team. I never heard any confirmation back from them. Now, today I received a letter in the mail from a collections agency stating that they have been given the charge and I have 3 days to pay or contact the office or it would be placed against my credit rating. However, this letter was mailed on March 5. And I checked the mail yesterday. It just got here today, 7 days passed their letter date. What is the best course of actions here? Realistically it probably isn't productive to hire an attorney to deal with a $350 collections charge. I will be calling the collections office today of course. But I wanted to get some advice from the fine people on here. I do not want my credit rating to be damaged. UPDATE: Spoke with the collections agent who handled this, and she hadn't gotten to processing my case yet. So my credit is safe for now. I sent her my credit statements as proof that the charge has been paid back to Hertz. She'll update me later after she forwards this to Hertz. If anyone has advice for how to handle this if for some reason Hertz doesn't back down, I would greatly appreciate it. Is it just a safer option to pay this charge, even if that means double paying them, rather than go through all the legal hassle? Like yes it's about the principle of not letting a company walking all over you with no recourse, but at the end of the day, I don't want to hurt my credit rating or have to deal with thousands in legal fees with no guarantee it'll be covered if Hertz settled.

I was in a accident. Mine was certified 23 Crv hybrid sport with only 16k miles in chicago il. I tried passing a car and lost traction. Anyways now insurance is offering only 32k and they say I can only show compa within 75miles. they used Mitchell and jd power. they have listed 10 cars in 75 miles but 4 of them were sold listings. What do I do now to get the best amount possible. I can see listings but they are with more miles same like 30k miles and are at 32500 but can't find listings for 16k miles. This is with progressive.How do I negotiate with the adjustor or is it best to get a lawyer or private appraiser? Also is there a thing I shouldn't submit comps more than 75 miles away?

I asked the Doc to send a simple urine sample to Quest. My insurance covers 100% labs with Quest. Today I see on my Florida Blue Cross account they sent it to a different lab and my portion is $3170. What to do?

I just had a Total Loss on my home which was insured by Amica Mutual. Almost all reputable insurance carriers pay out the face value of the policy. Amica decided to use an obscure New York loophole to "AVERAGE" out what THEY feel I should get instead of what I paid for. They offered me less than 50% of THEIR ADJUSTOR'S replacement cost with the balance paid out after "THEIR REVIEW AND APPROVAL".