Hey everyone. Need some insight from anyone who can chime in! So I am with Allstate Insurance. I had a collision with my truck (driving slow, hit a patch of black ice and my truck goes right into a transformer box(those green boxes that you usually see somewhere in a residential area ) and my truck is totaled. It’s been 2 months since I’ve filed the claim and I’ve basically heard nothing since. I have been calling 3-4 times a week, leaving 2-3 emails a week. Basically nothing. Just curious what should I do since it seems like claims never should take this long?

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?

I got an advertisement from my insurance, UHC sent to my email about a program called Real Appeal. The title said “Reach your weight loss goals now, at no additional cost” so I signed up and made an account. It looks like UHC denied the claim and I now owe $162.23. I set up a Teledoc appointment but missed it before looking at my claims (my mistake I know). I missed the appointment and haven’t rescheduled. I’d link the email given but not sure how.

1. In October 2024,I bought a I Phone 16 max pro from T Mobile store for some other person as he didn’t have address documents and mail ID. I gave my documents for mailing address, mail ID and alternate contact number at T-Mobile store. 2. T- Mobile sold the I phone with a sim and monthly plan of $95. The other person didn’t pay $95 for the recharge after October. He kept using the phone on his home WiFi as the sim was active but with no service. 3. In March 2025 a 3rd party, not T- Mobile sends me an outstanding bill of $588.33 on the T-Mobile plan I took in October. 4. Now my issue is why didn’t T-Mobile inform me through my address Mail or my mail ID or through the alternate contact number that my plan was not being recharged and I am collecting an outstanding. Why a third party is sending a mail on my address to collect outstanding dues on T-Mobile plan. In between I was getting call from the 3rd party that I have an outstanding, I went to the T-Mobile store and asked should I entertain such calls they said it is spam, do not entertain these calls. 5. How should I go about clearing this Issue can anybody advise me on the steps to be taken. It’s concerning as $588.33 is not a small amount.Thank you all.

Hello. Hoping someone can provide some advice on my next steps. The short version: I bought my house in 2016, at that time State Farm determined my house to be 5000 sq ft., it’s actually 2500 sq ft. Due to them thinking my house was twice the size my annual premiums were higher than they should be. This all came to light this week. My 2025 premium is now $600 less than originally charged. My agent is aware and admitted the mistake but has also told me there’s nothing they can do to recalculate the historical values of my house with the correct square footage. Do I have any recourse to get refunded for the past years I’ve paid the incorrect amount?

Hi, our new 2024 Tesla Model Y LR was declared totaled by Tesla Insurance and they are valuing the car at $39,451, which we don't think is fair. We bought the car in mid-Aug 2024, had only put 1316 miles before we were involved in a crash on Dec 03, 2024. We were at fault party (there was no other party involved) , so we filed a claim with our Auto Insurance which is from Tesla Insurance. We are in Fairfax, VA, but the valuation report uses for reference a similar Tesla in Apopka, FL, \~ 1000 miles away !. Btw list price of the Apopka, FL was $ 40,900 and it had 3904 miles on it. Also they have listed the Vehicle Condition as Good/Well Maintained across different areas. We do not know the scale Audatex (3rd party company who provided the valuation report) uses but our car was impeccably maintained and its condition was 'Excellent'. Need advice on how to fight back. Thanks. # From the Valuation Report: **Vehicle Condition** * Seats: Good * Carpets: Good * Int Trim: Good * Glass: Good * Headliner: Good * Body: Good * Paint: Good * Ext Trim: Good * Engine: Well Maintained * Transmission: Well Maintained * Front Tires: Good * Rear Tires: Good **Valuation Details:** * Price ( Comparable Vehicle, Apopka, FL) : $ 38,501 * Odometer Adjustmentd : $270 * Tow Hitch Package : $ 680 * TOTAL: 39,451 **Adjustments of Special Note** * An odometer adjustment of $0.1050 cents per mile/kilometer has been applied. This adjustment is based on the vehicle year, vehicle category and market area. Odometer adjustments are capped at 40% of the vehicle's starting value. * Typical miles for this 2024 Tesla Model Y in Virginia is 20,999. * No special adjustments were made for this vehicle. * All values are in U.S. dollars.

Car loan— 12,000 to pay off, interest rate is 7.8% Federal student loans— 6,000 to pay off, interest rates average about 4% I called Wells Fargo, as this is what my auto loan is through and they told me their is no benefit to paying off my car early (as in I won’t save any money) very confused as I know this is a “fixed loan”. Obviously it is better to pay off the higher interest rate, but if it’s a fixed loan does that matter?? Any advice on which to pay off first??

Hello, I have a few questions how to handle my PCP or Labcorp messing up with my insurance details. I had a bloodwork taken at my primary care and apparently they sent it to Labcorp. But Labcorp billed my insurance with the incorrect details apparently - my name and Member ID, group number are wrong. I got a mail in Feb asking for insurance details but the return address was not online on their website, so I thought it was phishing. I called the Billing department and asked them if they needed my insurance details, and they said "it is pending with insurance and there is nothing you have to do but wait". I don't have this call recorded. Today I got the invoice number and it says the below: "Reason for Bill: We attempted to file a claim with insurance. According to BLUES NJ: HORIZON BCBS, the patient name or subscriber number did not match their records. This balance is now the patient responsibility" I don't want this to impact my credit score but I don't want to pay $1000 since my PCP or they made mistake that I had nothing to do with. I will call them tomorrow morning but I have a few questions. 1. Since they dumped the responsibility on me, can I sort of force them to refile with insurance? What do I do if they refuse? 2. How long generally do I have to sort this out (not paying) so it doesn't impact me. Thank you for taking the time to read this. I'm just pretty pissed right now so apologies if I sound rude.

Hi all, I have a ragdoll cat who just recently turned 1. We’ve had no health issues thus far. I start seeing this subreddit pop up and saw horror stories of HP. A couple questions: 1. I know a big part of if reimbursement is diligence. Our breeder did a health check on our kitten and gave us the paper work when she handed him over, but we still haven’t submitted it into HP (I know that’s on us). We started HP about 15 days after the exam. Will that paperwork be okay to submit now? 2. We are currently paying $30/month. Are we better off switching now instead of dealing with HP long term? Thanks!

I got hit by a car last summer in NYS and was told by my lawyer that they’d reimburse for taxis (up to $25/day) and personal help needed around the home and stuff. I kept all my receipts including for things like a walker, shoe lift, etc (I only got crutches through the doctor). Now the insurance company won’t reimburse any of it because they said: 1- they only cover taxis to doctors appointments 2- they don’t cover laundry because that is “personal” 3- they won’t cover any medical things because I didn’t have a prescription for them. These probably are the rules and I’m mad that my lawyer didn’t actually tell me this before and told me the opposite because I probably could have gotten a prescription for those items. But I want to make sure.