Using a throw away account... I have Kaiser through work. Since I've been on my current plan for the past 3 months, Kaiser has terminated my insurance on the last day of the month. According to the payroll company (ADP), my benefits are valid and from what I can tell, dental and vision (not through Kaiser) are also valid. I don't understand why this keeps happening. The only thing I can think of is that it's a Northern California plan and I live in SoCal. I lived in SoCal when I selected my plan and was told it shouldn't be an issue, but now I'm questioning that. Last time it happened HR confirmed that it shouldn't again, but here we are. This is a tremendous hassle every time it happens since both my husband and myself need to have our SoCal and NorCal medical record numbers linked and then it takes several days before we can access anything on the website in our region.  Does anyone have insight into how or why this keeps happening? I'm at my wits end.

Basically my ex lied about his dog who was his sister’s first. She has been insured since she lived with me with my ex. I put her under my GSD’s policy and I’m glad I did once she was abandoned lol. Anyways, Lemonade uncovered her past medical records that I didn’t even have. Due to this, they tried denying an entire claim, which included a new illness. I kept escalating it and finally they agreed to cover some items pre-existing and agreed the new illness was to be covered. You won’t be able to argue everything but don’t be afraid to keep pushing back if you disagree. I made them keep the case open for 6 months until it was correctly resolved. Also, Lemonade does have a phone number.

I’m confused and need some advice on my current situation. I was involved in a rear end accident, not at fault. Car is drivable with a minor dent in the trunk and paint chipped. The facts: - car is a 2014 Lexus es 350 - The person at fault has Liberty Mutual - initial estimate from their in network shop was $2100 - after they began working on it the supplement charges ended up close to $8700 after being in the shop for about a week and having a rental Today I got a call saying that the car was deemed total loss because cost to repair is over the 75% threshold. I still owe on it the car. What options do I have? Could I take it to another shop to get a lower estimate? There current labor charges were over $5k. I feel like as the victim of this I’m still getting the bad deal by not only losing my drivable car but also potentially paying out of pocket for the gap and rental. What should I do?

I've had Fetch since my dog was less than a year old. The only pre existing condition he had at the time was allergies. I knew IVDD was common with the breed (French Bulldog), so I wanted some cushion in the event he ever needed surgery. He is now 6, and has been diagnosed with IVDD, but hasn't required surgery and hasn't had any signs in over a year now. The only other condition he has had was lyme, but that was taken care of so I'm not concerned about that either (never met the deductible with that treatment). Fetch doubled my rate a couple years ago, so I dropped my coverage to $5k and deductible to $750, 80% coverage. I've been paying about $712 annually for 4 years now. Just got an email that they're increasing this to $1650. I can't justify that for the crap coverage I'm getting, but I KNOW something is going to happen as soon as I cancel. I'm coming to terms that no matter who I switch to, IVDD will not be covered, so I'm mostly now thinking of any other issues he may have as he's getting older. I'm looking at **Spot, Pets Best, and Embrace**. They all have better coverage amounts for under $100/month. Spot says: '...we will no longer consider a condition to be pre-existing if it has been cured and free of symptoms and treatment for 180 days, with the exception of knee and ligament conditions". Anyone have experience with this? Seems too good to be true. They're quoting me $80/month for 10k limit, 70% reimbursement, 1k deductible. Also open to any other recommendations!

adjuster trying to say a hail storm a week after wind storm (prior hail was photographed 3 weeks ago) would require a double deductible. is this common practice with state farm trying to get out of paying even half of what it costs for a new roof

I'm so offended by the "hard breaking" beeping, that when I get to 40mph, I've unfortunately started driving through yellow lights and barely miss it turning to red. I've always slowed at yellow lights before Snapshot. I always go the speed limit. Realistically, there's too much traffic in my town to be able to drive safely without hard breaking. Just want to share because if I'd known, I would've opted out of it.

Should I file a claim on a plumbing/mold issue in home? Long story short- the stack going to an upstairs bathroom needs to be replaced ($2,500). Realized problem when we found water in basement. Mold remediation will be $3,000. Tile wall will need to come out in bathroom to make repairs. No idea the cost of this cosmetic issue. It’s original 1959 tile, so probably a decent amount of money to take it all out and replace on entire bathroom. Our deductible for homeowners insurance is $3,000. I’ve heard horror stories about insurance denying claims (especially due to plumbing/mold), and policy premium still going up. Also trying to gauge exactly how much our policy goes up even if the claim is handled by home owners. We have the cash to do the repairs. Is it worth it to make the claim and save the money? Or not in the long run? Thanks

I was on the freeway heading out to go camping. I was going 0 mph. The van behind did not stop and smashed into me between 20-30 mph. I have a rear camera on my truck that showed him looking at his phone. I also recorded as soon as I got out of the car of him admiting to not stopping. My car insurance (GEICO) gave me the option to go through them or the person that hit me. The van was a Xerox van. Their insurance is called American Way. I called them the day of and gave the police report. They said they use a 3rd party called Sedgwick. I paid 30k for my truck less than a year ago. 10k of that was because of all the add ons. The other insurance company said I have to wait 5 days. The rear of the frame on my truck is facing the ground. I’m not sure about the rest of the frame. Most of the people I’ve talked to said they will probably total it. I’ve also retained an attorney in my area for bodily injury. I work from home but, can’t sit at my desk for more than an hour. I’ve been seeing a chiropractor today and retained the attorney today. They said it will likely take 6-9 months and would settle between 20-40k. This is only for medical. Does this seem normal? Will I be able to recoup the loss on my truck for the extra 10k ? It KBB blue books for around 20k but, I paid 30k. I also had my Yakima box on the back and paddleboard which were destroyed. My own insurance said even if I use them for the truck I will still have to use the other insurance to recover the loss on my things that were destroyed and if they repair my truck for finished value. After 20 years of driving I’d never had a fender bender. Should I just go ahead and use my own insurance? Sorry for the rant.

I was involved in an accident where a truck ran a red light and hit me. Their insurance totaled my car. I feel the offer they are willing to pay me for the total loss of my car is low balled. Is there any room for negotiating with insurance companies or do I have to accept what they offer? Anyone have experience with in this matter. The insurance is State Farm.

So the story goes: My friend in Texas totaled his car by hitting a mailbox. He has Gap insurance from the dealership, and auto insurance from progressive. Auto insurance agent told him they're going to pay the dealership instead of him. Can friend demand direct payment to himself, as the policyholder? Can his insurance just send the check somewhere else like that? The gap insurance should handle everything on the dealership side, so I don't know why his insurance company would be giving the dealership anything.