Bought my home back in 2018. My mortgage company chose Berkshire Hathaway and they paid them through my mortgage payments so I didn't pay BH direct. I got notice last week that my policy will be cancelled end of September. Do I need to shop insurance myself or is that up to my mortgage company since they have vested interest in my home? Can I tell my mortgage company what company and policy that I want?

Location: Denver, Colorado This happened at Budget Rent-a-Car at DIA. So this has been dragging on for around 2 months and the amount of lies upon lies that we've been told would make this post ridiculously long, so I'll keep it as short as possible. Budget wrongly denied a prepaid rental booked through a third party, claiming that it was against their T&Cs, and sold another agreement at 3 times the price for a lesser car plus extras which were specifically not asked for. After finding out the original rental was wrongly denied, we contacted them to ask them to honor the original rate. At first they argued, wrongly citing their T&Cs again, but eventually agreed to honor the original rate. This was promised verbally and by email. The inflated rate was still charged at the end of the rental, and subsequently a refund was promised verbally on 2 separate occasions, explicitly stating the amount and timeframe. The refund did not happen and they are now denying ever promising it. On top of this, the car they claim we returned is not the car we rented, and they've added a fuel charge. I have email evidence of agents lying about what their T&Cs say, and proof that contradicts what they claim on the phone. We also know the desk agent receives a commission for upselling because there are job listings for the same location which state this. The issue is, their customer service is impossible to deal with. They pick and choose what parts of the emails they want to reply to, disregarding they key points of my email each time, and it takes days to get a half hearted response. Calling is no use because they later just deny what was said. We have filed reports with BBB and disputed the CC charge, so other than waiting on the outcome of that, what can be done? They have taken a four figure sum from us and are constantly contradicting themselves and misleading us, and there is no urgency from them at all. 6 hours+ of waiting on the phone and explaining things, plus a chain of around 30 emails, many not even getting replies, speaking to probably around 15+ different CSRs and we are back to square one even after they admitted we were right. It's infuriating. Because the amount is only 4 figures and the case is becoming so long and complex with insane amounts of law violations, taking it to court might not be economically viable, but the complete disregard for the law can't be allowed to slide. Even a full refund wouldn't be justice at this point. I'm not sure what to do as it's becoming a full time job trying to keep a timeline and stay on top of evidence etc.

Hello, So last year I got bit by a stray dog and had to go get my rabies shot. I went to urgent care first where they told me to go to the ED (nonprofit) down the road to get the shots. I went to the ED, got the shots, and went on my merry way. I got a bill yesterday for the shots where my insurance (TriWest as a dependent) paid for $25,000 of the $28,000 and the hospital left the $3,000 balance to me. Is there any way I can find out if the hospital gives assistance? I’m a college student and I can’t afford such a high bill with every other bill I have so I just want to pick your brain on ways I could possibly reduce this. I am in Texas, and I currently have no income. Thank you!

I'm filing taxes for the year 2024 and I found out we had marketplace coverage that we didn't know we had. In 2023 my wife began the process of applying for marketplace coverage, but during the process told them she was no longer interested and that she wanted to cancel her application and for them to delete her information. We have now found out that they did not do that and instead completed the application and we were enrolled for the first 3 months of 2024 before my employer health insurance cancelled it. Is there literally anything that I can do? It doesn't seem right that we ended up enrolled for something my wife cancelled midway through the application process. For context, the reason she wanted to cancel was because the representative felt hostile and she had almost fallen prey to a handful of scams, and he kept rushing her to give him her personal information so he could finish. She felt his tone was more in line with scammers rushing marks to get the payoff and tried to terminate the interaction and the application immediately.

I knew this was coming from seeing it happen to others but I got my policy renewal notice and our annual cost went from $347 to $505. I know this is far from the worst increase but it is still annoying. He hasn’t had a claim since 2023 and is only 4 years old. Is there anything I can do or say to them that might get this lowered a bit? I worry what his premium will look like a few years from now if they continue with increases at this level. I also am bringing home a puppy next month and have been going back and forth about insuring them through PetsBest or trying something new like AKC or Trupanion. Any thoughts on that?

I am looking everywhere for insurance and the best rates I could find are around $1,200+/mo for 10 months. I know I am a new driver but that price is WILD!! Any helpful comments would be appreciated.

I hope I'm in the right sub for this but I'm not sure, if there is a better place for this post please let me know. So I got into an accident that I was at fault, I do not have collision coverage, and I still owe about $19,000 on the vehicle. I asked my insurance and without coverage there is nothing they can do. It is not drivable and the air bags deployed. There is heavy front end damage but the rest of the vehicle is fine. I've only taken it to one shop for an estimate because I don't want to keep paying for a tow to get different quotes and they all end up being close to the same amount anyway. The estimate I got was $20,000 to fix it, so I'm not going to be able to afford that, and even if I could I don't see how that would be worth it. The car before the accident was probably worth $20,000 - $25,000 at most. (2022 KIA K5 GT LINE). I have pictures of the vehicle as well but wasn't sure if I was allowed to include those in the post. So as far as I see it, it's going to just sit somewhere until I pay off what I owe. So instead of paying a storage fee to keep it somewhere (my apartment doesn't allow vehicles that aren't drivable to stay in the parking lot), I want to either sell it or scrap it. Whatever I decide to do with it, I want the next tow to be the last. If I can make a little bit of money on it, great, if not then like I said if I can at least avoid a storage fee or paying to tow it several times that's a win for me. Anything I do make would go straight towards paying it off anyway. I'm already pretty screwed, paying on a car that I can't drive so I'm trying to see my options and cut my losses. I've gotten suggestions to declare bankruptcy, sell it, scrap it, keep it, sell all the parts individually, sell it as a whole for parts. A lot of the issue is, I don't think I can sell it, even to a salvage yard, without paying it off first, so what do I do with it until then? That's going to take a long time for me. I can't afford to fix it, can't sell it, scrap it etc. What do I do? And I understand I'm not going to make money on this, I understand I'm screwed either way, I understand that I will not financially recover from this for quite some time. So I'm just asking what is my best course of action to cut my losses as much as possible? Is there a way to sell it before paying it off? Do I need to let the lender know about the accident? Is there a different way insurance can help even though they said they can't? Is there a service or organization that helps with this sort of thing? Should I declare bankruptcy?

I'm having trouble figuring out what is covered and not covered under this plan.... My dog recently had an anal abscess the size of a kiwi so it needed to be removed immediately. Deductible is $250.00, and I'm just trying to see the benefits coverage but am having the most difficult time navigating the Nationwide Pet Insurance website; it's as if they do not want us finding out what's covered to utilize our insurance to the fullest. With this operation potentially maxing out my deductible, I have some other Wellness things I want to get taken care of, such as dental, or to see if I can do anal expressions every few months. Any insight on coverage?

Any tips on companies offering good pricing? Progressive is charging me $250 monthly - zero accident history or violations in 7 years - 29 year old male, 2016 Camry )

My BCBS refused to pay any of my blood work. I was referred by my doctor to go to a specialist to get blood work done, over 6 months ago. Now I got this bill in the mail from Quest and found my EOB. They coded it 002 as “we do not cover experimental or investigational procedures” Ok…isn’t the entire point of blood work to investigate? Anyway, should I call my insurance or the specialist to appeal the bill? Any advice? This has never happened to me before. Thank you!