For context, the state is Maryland I live in a rental house and there is a prior resident named Stacy D. (Hiding her last name for privacy). I don’t know this person, other than occasionally getting some of her mail in our mailbox, which leads me to assume she is a prior resident at this unit. This morning, i had new policy documents added to my Progressive policy. They added Stacy D. to my policy as an insured driver, and my rate increased from $140 a month to $580 a month. I also lost some of my discounts, like safe driving discount, because Stacy D. has apparently been in two at fault accidents in the past year. Now I called progressive to remove this person from my policy, and their underwriting says that she can’t be removed unless i have proof of address showing that she doesn’t live here. A few questions: 1. How do i prove that someone (a stranger) doesn’t live here? I don’t have any contact info for her or any way to get her current address. I don’t know this person or have any knowledge about her other than occasionally getting junk mail that is addressed for her. 2. Is there a possibility of me getting any discounts (such as safe driving discount) added back to my account, if I am able to remove this person? 3. Because i live in a rental unit, are there any other steps I can take to prevent prior residents from being added to my policy in the future?

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.

Currently have metlife and i’m not happy. I pay $100/month for 3 of my cats. Theyve been putting me through hell & back for MONTHS over a claim I submitted for a $12 medication that will only go towards my $500 deductible anyway, every few weeks they ask me for more paperwork and information, now they want a handwritten letter from my vet explaining WHY my cat needs this medication. It’s always something new and im over it atp and realize if something ever major happens to my cat are they even gonna cover it? cause it soundd like not and i’m wasting my money.

It takes them weeks to review claims. My dog had a diarrhea cause by a bacteria. My claim and appeal got denied because my dog had a diarrhea in 2021 and needed to prove that it’s not related. I even got a letter from my vet saying it’s a bacterial infection

I rescued a new 11 week old puppy and 24 hours later he was hospitalized for 3 days with cystoisospora, a parasite, and severe malnutrition. The rescue kept him in awful conditions and he was caked in stuff (food? Feces?) when I picked him up. He is coming home today with fair odds of survival and I am shopping for a new plan for him. I have a 30 day policy with Trupanion from the rescue but they don’t cover parasites (wtf). I’ve already spent $8500 on his care. He’s going to need a lot of frequent fecal samples and re-checks of his bloodwork. He also needs another round of de-worming. Does anyone have recommendations?

I was insured through United Healthcare via my employer in Texas. My employer paid premiums monthly to cover the following month’s insurance (monthly payroll). On March 12, 2025, all employees were notified via work email that we were being placed on unpaid furlough effective immediately. We were told we would still be paid for work performed from March 1–11, with payroll running as usual at the end of the month. I didn’t hear anything else from my employer until April 2, when I received a letter in my personal email stating that we had all been officially terminated effective March 21, 2025. The issue is that I saw a specialist and had exams done on March 24, unaware that I had technically been laid off on March 21. The same day I received notice of separation (April 2), I called United Healthcare to check on my coverage. They told me my insurance appeared to be active and didn’t show any indication that it had ended. However, when I checked the United Healthcare app today (April 5), it now says my coverage ended March 21, and they have denied the claims from my March 24 visit. I had no way of knowing my coverage (or job) had ended at the time of the appointment. I’m concerned my employer backdated the termination or insurance cancellation, and I’m now stuck with bills for services I reasonably believed would be covered. Has anyone dealt with something like this before? What are my options here? Should coverage have continued through the end of March? Additional information: I have since found out my employer filed for bankruptcy, without letting any of us know, and none of the employees were paid for their time worked in March 1 - 11th. Any help or guidance would be appreciated I’m unsure how to navigate this situation.

I have Lemonade and they denied my claim because the covered illness was “discounted” on my invoice showing nothing due. I have a care plan through my vet that I’m paying $150 a month for. I submitted a claim for the exam and testing that my dog received which was included in my care plan. Am I wrong for expecting Lemonade to reimburse for this? Even though the invoice shows no charges, it’s only because I’ve been paying in advance with my care plan. I’ve had pet insurance before (24 Hour Pet Watch) and they reimbursed me for things that were included in my vets care plan. I see nothing in my policy that states they don’t reimburse what your care plan covers. They told me their “guidelines” say it will not be paid. I’m thinking about filing a complaint and canceling my policies with them.

I currently have an auto policy with only my teenage daughter (17F) after removing my STBX from the policy, but I feel like the premium for my car is higher than it should be and I'm wondering if there are any ways to reduce the premium. I am a 40M with a very clean driving record, my daughter had a claim last October where she hit a fire hydrant and the repair was \~$10k or so (no meaningful property damage to the hydrant). I drive a 2021 Tesla Model 3 and she drives a 2017 Audi A4 that her grandmother gave her. Total monthly premium with GEICO is $548 for my car and $366 for her car. I believe the average Model 3 insurance rate in Colorado should be closer to $300/month and I'm just trying to think of ways to lower my premium. Is it possible to separate policies and save money if I make it so that she can't drive my car and doesn't need to be insured for that? Any advice or ideas are greatly appreciated!

Healthy Paws just raised our pet insurance to an extra $100 a month out of no where! Has anyone else gotten a huge rate hike like this from them? This is Absolutely ridiculous.

My husband lost his job a month after I gave birth and is on unemployment now. I applied for Medicaid and now my son and I are on it. However, we both got a card for some Amerigroup plan which is through Medicaid? My son's pediatrician only takes Medicaid and not this plan but I'm confused. Is this not still Medicaid? And if not, why would we get put on this plan from Medicaid when we never asked to be put on it? Can I reject this and just have us on plain ol Medicaid? Who am I supposed to call to get this fixed? Age: 32, Son is 5 months. State: GA. Estimated income: $30,000 from unemployment. 3 person household I don't understand how this works. Can someone explain it to me like I'm 5 lol.