Was in an accident 2 weeks ago, brand new (to me) car and havnt even made the first payment. the at fault driver had an expired "limited term" drivers license. after police report and information exchanged i have been given the runaround by his insurance claiming that they cannot reach him for a statement so they will deny and close the claim. is this even legal? do i need a lawyer like right now? Thank you everyone for the replies, sounds like i was overthinking alot of this. proceeding with my insurance company to let them go after him or his insurance company and just have the car back.

# Update: Solved! Emailing customer support directly did the trick! Cheers to the awesome customer service reps who took the time to dig through old files and find my old policy based on my very scattered recollection of what email address or phone number it might've been associated with. Lesson learned: keep records, even beyond when you think you'll need them! Hi r/insurance, I'm currently trying to track down Letters of Experience from all my previous auto insurance providers in the US (to lower the cost of premiums in a new country where I've yet to establish much of a history of driving experience). I called Geico, who was my first provider from \~2006 to 2010 when I first got my license, but the customer service rep I spoke with said that any customer information that old would have been archived, and she was unable to find me in her system. (For context, after 2010, I moved abroad and relied on public transportation, so had no need for auto insurance — hence why I'm jumping through hoops trying to track down such old information.) Has anyone run into this? Did you have any recourse for requesting files be unarchived and a Letter of Experience generated? Any suggestions appreciated!

A friend is in a fix - seeking to get some expert's thoughts here: Is there an option to close 403b? who to ask? Should it be the company (Fid in this case) or the benefits team. unfortunately he worked for a short term in a school summer position and saved 400$ in 403b. did not know that there will be a fee of 70$ charged every year ( ridiculous amount ). No longer doing the job but will be a student another few years. Fidelity says benefits has to terminate the employee status and only then funds can be taken or account closed. benefits say they can't terminate until he remains a student, even if not doing the summer job. The balance now is 330$ :( He's quite upset understandably. Pretty soon will come 0 if no action taken What are his options? Fidelity chat isn't helpful and say cannot close since he is still active in status. It is a mistake hoping to save, without realizing the fee unfortunately. Any thoughts or suggestions? Thanks

Location: I live in California Hey guys! Wondering what you thought. In summer of 2022, my mom and I were visiting some extended family in Switzerland. My Swiss cousin drove me and my mom to Paris, France in his car. The last night I was there, my cousin asked me if I wanted to go take pictures at the Eiffel Tower. I said sure. He drives his car, I am in the front passenger seat next to him. No other passengers in the car. We are on the street right next to the Eiffel Tower at a red light, sitting in traffic with all cars stopped. He says "OK you can get out here and get to the sidewalk, I will pick you up in a few minutes." As I open the passenger door, a motorcycle who had been weaving in and out of traffic going maybe 15-20 mph, slams into the car door. The driver and passenger fall over and the car door is smashed. We pull over, traffic around us is stopped. An ambulance comes and help arrives. Unfortunately (worst timing ever), I had a plane to catch to go back to the US. My cousin told me to leave, he would take care of it. I found a cab, took me back to where my mom was staying, and we went to the airport and flew home. I followed up with him a few days later and he said the motorcycle driver and passenger were fine, they had suffered some cuts/bruises and a sprained ankle. I told him to please keep me posted. He never really had anything to report. Fast forward to last Friday. I get an email from an insurance company detailing the incident from 2022, with the correct date and what exactly had happened. They found me liable and at fault because I opened the passenger door and caused the injuries of the motorcycle passengers. The insurance company said they had to compensate the other party, and requested that I reimburse the full amount. It's nearly $10K USD. I know this is definitely not a scam because my cousin verified his policy number on the letter they sent me. He also informed me they called the police that night and the police never came. He took it on himself to give the other party the insurance information so that his insurance would help out. He never imagined his insurance trying to recoup the money, especially from me. What do you guys think I should do? Shouldn't the insurance cover the driver and vehicle?Am I liable as the passenger? How would an insurance company in France enforce that I pay this? Can they take me to court? Is it possible that they might try to retaliate with my cousin instead, if I ignore the letter? Thanks in advance!!!

Been on Sunlife LTD now for 6 months after surgery and resulting (ongoing) nerve pain requiring medication with side effects impacting ability to focus/concentrate seriously impacting my job. My doctor thinks I need more time for the nerve pain to settle but Sunlife had said it is time to start a rehab program (physio) which my Doctor sees as having no benefit at this time. Sunlife insists and says lack of compliance by me, even if under the guidance of my doctor, can jeopardize my ongoing benefits. They had sent the Doctor a note with their proposed plan and gave him a whole 2 weeks to agree or justify why not. He won’t be responding as he is off for spring break and has a huge patient load. If no response from him, Sunlife said they simply move forward. I am not sure how to proceed - must I follow their proposed (e.g. get this claim closed asap) plan without any consultation from my doctor or can my doctor propose a plan? And can they simply ignore my doctors perspective and/or simply move ahead if no response?

My pup just got cancer, and I’ve had her on nationwide for 12 years, I signed up when it was 90% coverage, excluding wellness and they used to pay out reasonably well. They hide it in the small print but they have extremely low limits for most categories - meaning I will be paying 70% of this out of pocket. The diagnostic limit alone is $1650 which is 25% of an MRI in my area. My other dogs are with healthy paws and pets best - I am sick that I didn’t move her sooner. If you see this please just move your pups rather than suffer.

My 1 year old, went to urgent care first and then they asked us to take her to emergency as she was having trouble breathing. We went to emergency and her oxygen level was 82%. A chest xray and couple test later she had rhinovirus and bronchitis. She was admitted by the ER doctor to the hospital. My insurance denied the claim because they need more info from doctor, from which doctor ER or the pediatrician that monitored her at the hospital I'm not sure.I have the sydney app it shows the bill for the provider and also shows the plan discount paying the full amount of that bill so my total is 0. Is that pending the doctors note? Not familiar with how plan discounts work, I have blue cross HPN.

I ran the same quote three times and I keep getting different numbers. One quote said $300, the other said $330 and then I get an email saying it’s $196. What’s going on here?

I have a high deductible UnitedHealthcare plan through work and my primary care doc referred me to a local radiology clinic for a mammogram and ultrasound for a lump in my armpit (everything turned out okay). I got the bill the other day and almost choked, $635! I called UH and they said since it was billed as diagnostic and they don't offer any discounts, they only paid about $50 and I paid the rest, essentially it barely mattered that I had insurance. I am 35 so they aren't covered yet as preventative. Should I appeal this? It's so much money after being laid off for 7 months before.

I have an 8month old puppy. He had some bile vomiting before our insurance kicked in. Long story short, he was sick recently and we thought he swallowed something. When I put the claim in Lemonade denied me. They said vomiting is a "pre-exisiting" condition. Which is nuts? Has anyone dealt with this? Am I crazy to want to switch insurances? Will this ever go away?