Got hit and run on the freeway in California a couple of months ago. Other party was at fault. My car is badly damaged in the front with paint transfer from the other car. I wrote down the license plate #, make, model, color, and went to file a police report and insurance claim the next morning. I don't have collision insurance so all my insurance could do was follow up with the other party's liability insurance and see what they said. Turns out the other party was a rental car from Enterprise. Enterprise called me recently to get more details and my side of the story. They finally just emailed me saying "After a thorough investigation of the facts, we do not believe the operator is legally liable for the damages being claimed in this loss. The renter claimed no accident occurred at the time of rental. Upon returning and inspecting the rental car, there were no damages reported to the vehicle. There has been no evidence provided proving our renter hit your vehicle. We must therefore respectfully deny your claim." What recourse do I have, if any? :(

Hi all, I'm leaving my current job and I have another position that pays higher than where I'm at right now, but no employee health plan. I'm in CA. Right now I'm looking at marketplace plans for my spouse (33M) and I (31F). We don't use much when it comes to health care. A few random visits here and there, I take a few daily mental health meds but that's it. However, we do want to start a family in the next year so I'm trying to keep that in mind. I've always been on an employer PPO, so that's what I'm used to. My top options currently are Blue Shield of CA PPO, or Kaiser Gold HMO. From what I've seen blue shield is one of the few companies that will offer PPO on the marketplace. I've looked at some of the cheaper plans through multiple companies but since most of them have coinsurance, I worry I could rack up quite a bit if I were to get pregnant/deliver. We earn too much to qualify for financial help/ACA plans as well. Here's my question - how much does Kaiser's HMO plans differ from their PPO? Is it really a big difference since it's all in one system? I know there are issues with Kaiser and it seems people either love it or hate it. But it seems like their HMO plan is cheaper with better coverage (particularly for maternity) than a similar PPO through blue shield. Anything I'm missing here? Any advise or prior experiences would be helpful.

Hi everyone, my deductible for trupanion is $750. I’m paying $65/monthly, which I think is insanely high. I have a miniature dachshund who’s 1.5 years old. His ear has been looking red and we have an upcoming check up at the vet next week. If an infection, they’ll likely prescribed ear drops or antibiotics, which I’m assuming will be a hell of a lot less than $750. I am looking for some guidance on this or others experiences, when the vet bill is way less than the deductible. I understand it’s per condition so in the future if he has ear issues, it would be covered (which is likely considering his cute floppy ears). I am unsure what to do, as I don’t want to be denied claims in the future if more ear troubles arise and I don’t submit one now. Hope this makes sense. Thank you!

like many others, I was just hit with a huge increase - more than double - for Healthy Paws. we do have pretty significant monthly spend (thank youuu environmental allergies), so I wasn't likely to cancel completely, but I decided to run all the options for 90%, 80%, and 70% coverage through chat gpt, including my set monthly vet expenses. it gave me a detailed explanation for why insurance is still a good idea for me, and which option specifically would save me the most money. for my scenario, it ended up being 80% at $1000 deductible. just a suggestion in case youre not sure what your next step should be.

With all the posts regarding Healthy Paws rate increase I was worried about my renewal. I am happy to saw that I just received it and it has not increased. It is staying the same at the moment. However, I will wait to see because a couple years ago there was a discrepancy and in August they sent me a new notice increasing me by $20. Fingers crossed that does not happen again. I was expecting a huge increase living in NYC.

Hey everyone, I’m considering getting MetLife Pet Insurance for my dog but I’m so confused about whether it’s actually good or just a waste of money. I’ve heard mixed things and want real opinions from people who have actually used MetLife pet insurance. Does it cover enough? Are the claims process and customer service decent? Or is it just another insurance company that makes promises but doesn’t deliver? I’ve been burned before with other pet insurances that seemed great at first but then denied my claims or had crazy restrictions. Looking for honest reviews about MetLife pet insurance — did it help with vet bills? Was it easy to deal with? Any tips or things I should be aware of? Thanks in advance, pet owners!

I’ve been with PetsBest for over 3 years. I started paying about $50 and last year it went up to $78. I thought it was due to my dog becoming a senior, so I didn’t complain. Usually I have one visit to the ER per year, so I thought it was worth it. Last year she had mayor surgery to remove some tumors, but I was waiting until the last minute to get it done as they were all benign. Last week I got a letter from PetsBest informing me that my new monthly premium is going to be $190! I called and even the rep was shocked about the increase, but now I’ve been shopping around and PetsBest is actually the cheaper option! I don’t want to drop them, as she is old and I’m sure I will end up paying less, even with the high premium, but there has to be some sort of control over this companies! This is absurd!

Location: Washington state, US I have a structured settlement with Navient from 2020 that keeps my payments at a specific rate for the duration of the loan. With the transfer to MOHELA processing payments, they have not been charging me the correct amount. I have notified the contact that I’m required to coordinate with several times. She has responded each time but it has not been fixed. I have only been submitting the agreed upon amount which means I am under paying and also cannot set up auto pay. I’m concerned this could impact my credit, but also if I miss a payment the settlement goes away so I really want to be able to autopay. What can I do here? Are there any legal repercussions from their side of the agreement if they keep over charging me? Or is this just my burden to deal with?

Location: Southern California, USA My roommate and I had a year fixed lease in a 2b/2b, ending summer 2025. A month ago I discovered a leak coming from the wall in my closet. Landlord brought plumbers to check it out, they opened the wall a bit and discovered cracked pipes. The next week I was asked to leave for 2 weeks for repairs, in which I used renters insurance to cover my hotel (waiting on reimbursement still, but it should be coming). After the 2 weeks, landlord couldn’t get a response from HOA on when the repair would be completed. Landlord suggested I break my lease and move since she wasn’t sure about the timeline (pipes only impacted my room, not my roommates). While trying to figure out my plans, she sent my roommate and I a text on Friday (3/28) afternoon that she is terminating our lease due to mold, and we need to be out by Wednesday (4/2) or sooner - she offered to reimburse March rent and give us $600 each for the inconvenience. Any advice on 1) is she allowed to do this and 2) how we can get more money or time? 2 business days is such short notice to make arrangements and the cost to move will be more than $600 TLDR: landlord terminated lease due to mold, have to be out in 2 business days. I haven’t been able to live there for all of March

My parents applied for health insurance through Maryland Health Connection, and were told they were eligible for an advanced premium tax credit. Now that they are doing their taxes, it appears that there was a large overestimation of the amount on the premium tax credit they were eligible for, resulting in them owing about $15,000 in taxes. If this is the fault of Maryland Health Connections for overestimating the amount on the premium tax credit they were eligible for, is there anything that can be done about this?