I had a 2000 Impala and I was insured with liability 70 bucks a month with progressive . Some drunk driver collided into me and destroyed my car. Their insurance paid me out. I got a new Impala. A 2002 . My rates where above 250 $ generally and found bristol west for 230. Is this even real? What is going on in todays day? This is like… outrageous? Borderline abusive lol. Can anyone guide me as to where to look for a cheaper insurance. My car was 2000$ cash . Ill be paying more to insure it in a year than what the car was paid for lol

Ok so this is totally my fault for not reading the policy documents, but the Trupanion deductibles are PER CONDITION, not annual. This means every time your puppy visits for a new condition, the $500 restarts. The idea is that once the deductible for a condition is met, your pet is covered for life for that condition without having to meet deductibles again. Our puppy had splinters stuck in his tonsils and had to be sedated to have them removed. The total bill was $750, and between "examination fees" and the new $500 deductible (we have already submitted claims for other things), nothing was covered. Here is the kicker, they not only didn't cover the examination/consultation fee, they also denied the "esophageal examination" which was the procedure to pull splinters out because of the word "examination". Here is ANOTHER kicker, if something gets stuck in his throat again, it would be considered a separate incidence, so the $500 will restart again! If your puppy gets giardia, it clears up, and he gets it again in 3 months, guess what, the $500 restarts! I can see that this would be a good policy for older pets with chronic conditions, so you don't need to meet deductibles every year, but for a healthy puppy who gets into accidents from time to time, every incidence is considered separately, so mostly likely much of your expense will not be covered! I'm switching back to another insurance that my 5 year old girl is on. I wanted to try Trupanion because I kept seeing ads for it, but now I'm going to switch both of my pups to be with the same company while my puppy is still young before "pre-existing conditions" develop.

Hi we have progressive as for our auto insurance we had an accident and it raised from $2000 to $4000+ for our premium and we added 2 more cars didnt really save us money like that. We pay almost $800 monthly for 3 cars. I just got licensed in CA so i dont have a driving record yet. (I was from another country) I was trying to get a policy under my name. I dont think I can since theres not much driving history. My husband has a dui from 9 years ago and we cant get geico. Were running out of cheaper options. What can we do or has anybody had this issue and what did you do? Where can I shop around for auto insurance.

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?

Ugh. So a couple of weeks ago there was a crazy wind storm in my state. I had some roof damage so I got it inspected by a roofing company who told me most of the damage was from hail, which was enough for a replacement. I was told to put in a storm claim with a date of loss for the last hailstorm in 2024. I put in the claim with state farm and I was very careful to tell them that the date of loss was for 6/25/24 and it was for storm damage. I received an email after I submitted the claim and the email says "Date of Incident: 6/25/24". 4 days later the claim is assigned to an adjuster, and we schedule an inspection. Today he comes out for the inspection and he has the date of loss as 3/14/25 and wind damage. He said he cannot make any changes and tells me to put in another claim. Claim is denied because of not enough wind damage. Again, I was very careful when I put in the claim and I never said anything about wind damage or a date of loss of 3/14/25. Somehow the claim details and date of loss were changed between the time I put in the claim and the time it was assigned. I still have documentation (an email) that shows the date of incident of 6/25/24, but if I look at the claim online it shows 3/14/25. My local agent is supposedly working on this but I'm not too optimistic. What are the chances this can be resolved and I won't have to put in a second claim that will potentially cause negative effects to me? UGHHH

Hello, I have a very unique situation here lol. I am moving out of state where I will no longer need to use my vehicle. However, I don’t want to get rid of it and my girlfriend and I have planned to let her use it until her lease ends next year to move with me. So - the car is hers essentially in every way but legally and since I am still financing it I know I have to be on the auto insurance. However, the car is going to be used by her primarily and stored at her FL address. I explained the situation to GEICO and they said they couldn’t insure this situation since the car would not be stored at the owner’s address. Is this going to be allowed by any auto insurance or am I screwed aka need to find an alternative way to handle this situation? Thanks,

I have Delta Dental PPO. I get 2 free cleanings per year. One xray per year. Earlier this year, I got a cleaning and X-rays done at one dental office, but they dropped me as a patient because they stopped accepting Delta Dental. For my second cleaning, I scheduled with a different dental office. The receptionist there has been difficult to deal with. I explained that I already had my X-rays done at a different office and only needed a cleaning. She pushed back and said, “How can you get a cleaning without X-rays?” She asked if i can email the xray images, so I contacted my old office and had them send the X-rays to me and then i sent the all the xray images to the new office. After i emailed the xray images, the receptionist said I would probably need to get new X-rays anyway, but that I could wait and see what the dentist says. I explained that I’m only allowed one set of X-rays per year under my plan and that I’m not due for another one until next February. She said, "I KNOW! But how can we provide proper care without knowing what is going on." I reiterated that I only need a cleaning and can wait until next year for another x ray and she seemed to understand but not without an attitude. When I showed up for my appointment, she incorrectly said she checked my insurance and that I was eligible for another “free” X-ray anyway so it doesnt matter. I reminded her that I had already emailed them and dont need them again. She asked what email address?? She couldn’t find them in my chart until I opened up my phone to show my sent messages, then suddenly she “found” them and said never mind. Despite that, they still insisted on doing a single bitewing X-ray and said I would need to return on a separate day for the cleaning. I’m frustrated because I feel like I’m being forced into extra appointments and services I may not need or be covered for. Will I be charged out of pocket for this second X-ray, even though I already had one set done earlier this year? I thought Delta only covered one set annually. Has anyone else dealt with something similar? I also want to add that the other receptionists, dental assistants, and dentists have all been very nice and easy to work with. It's just this one receptionist that is very difficult to deal with.

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?

I have a 9 year old mixed lab. He was insured as soon as we got him through Healthy Paws and he has been relatively healthy since; however, we received a notice last week his premiums would be increasing from $84/mo to $194/mo. I found via reddit this was common for other California customers and reached out to a contact I found on reddit, only to receive a canned response about “increased vet costs” - no sir, vet prices do not increase 128% YoY. We also started at less than $40 a month, so costs for us had already doubled in 9 years. My dilemma: I can find pet insurance from Spot, Figo, PetsBest (literally anyone) for cheaper than $194. His only preexisting condition is hip arthritis at this point, although he does have random lumps that the vet said were harmless. No idea if those are in his medical history. Do I sign up for a different insurance company knowing I risk them doubling rates next year, and/or possibly claiming everything falls under preexisting conditions? Do I start putting away money each month and hope for the best? What would you do? I’m so frustrated as we bought into the pet insurance thing and would have been better off starting a savings account for him 9 years ago. But now here we are, tens of thousands paid to a company who actively wants to screw us over so we cancel and no savings specifically for the dog or money to throw around for vet bills.

So like the title says I had 2 doctor visit back to back days. One I saw the PA and the other I saw the NP. But the medical claim with my insurance says I saw the doctor. I received a bill from the clinic stating I owe an additional $76.93 for the PA and nothing additional for the NP. Both doctors are from same clinic but different specialties. I reached out to my insurance and they said it was both bill coded as me seeing the doctors. Is this correct? I reached out to the billing department of the clinic and it’s been almost 2 weeks and they haven’t gotten back to me yet. Is this correct? I paid $220.63 both times (I have a high deductible plan) I think. I don’t have a copay - I pay for everything my insurance doesn’t cover(which they don’t cover very much) If you have more questions to help answer this let me know. In the last month I’ve spent $1600 in medical and I want to make sure I’m being billed a surplus amount. Edit- I’m 29F from Texas and I’m insured through my job with UHC