So I have just passed my full A license test and as such now am a fully qualified rider in the UK. I was previously on a CBT so a learner. I phone my insurance company to update them, and they have said that because of my license change they would no longer cover me, as now I'm a "new rider" and my cover will end in 7 days. This policy is at 10 months, so because of me being MORE qualified to ride, I lose almost a full year no claims ? How can that in any way be fair/right ? Is there anything I can do ?

I have a 9 y/o Bengal male who had a bout of diagnosed stress colitis three days after I took him from his long-term family and before he was covered. Now, he has diagnosed pancreatitis, which is a totally different thing, of course. However, apparently because they have similar symptoms, the stress colitis is being treated as a "pre-existing condition" for the pancreatitis by Spot. This is ludicrous, and my vet agrees. I'm going to challenge it. Does anyone have any tips about the challenge and/or the paperwork I have to submit? Has anyone successfully challenged Spot or another pet insurance? If the challenge doesn't go through, then I'm canceling Spot and just going to pay whatever I have to pay instead of giving them money each month. If they can say something is pre-existing simply because two diagnoses share symptoms, then I don't trust that I'll ever see any reimbursement of costs at all. What if my cat gets diagnosed stomach cancer, which can cause symptoms similar to stress colitis and pancreatitis? Does that mean then they won't cover it? Seems like they at least have that prerogative to do so. Thanks in advance for your help!

Location: Massachusetts Hello. Up until today I've only ever been a silent lurker in this sub but I'm feeling kind of lost in this situation of mine. I've tried to keep as much information vague as I could while still maintaining relevance. Apologies in advance for how long this turned out to be. I (28F) am a field technician. I was injured on the job in a car accident (not at fault) while driving between work locations. It was a pretty bad accident, but I was lucky enough to get away with only a couple of injuries. Long story short, after a 13 hour stint in the ER they told me to follow up with my primary and sent me on my way. I knew I’d be out of work for a while, but I had a small nest egg to fall back on in the meantime so I wasn’t all that worried.  The next day I called my primary care doctor and found out he had recently left the practice, and the only other doctor there did not take Worker’s Comp claims. None of the clinics or urgent care centers I contacted would take workers’ comp cases either, without prior approval or referral from WC themselves. I returned to the ER in my town about a week later and was referred to a clinic (Let’s call them OC) that would treat me—but only if my workers’ comp insurer (WC) signed a fee agreement. Shortly after, a rep from WC called me. I mentioned that I was considering legal counsel for a possible third-party claim against the at-fault driver and she replied that if I retained a lawyer, it would be unethical for her to speak to me any further and that she would only speak to my attorney from here on. A day or so later I did eventually retain a lawyer—but only for the personal injury case, not workers’ comp. From that point on, both my lawyer and I called the WC rep daily for over two weeks, with no responses or voicemails. I had to get my HR rep from work to reach out directly and received a reply from the WC rep almost immediately. She told my HR rep that they could not sign this fee agreement until she had completed her investigation. At this point it’s been like 19 days since the accident with no communication from her whatsoever. I called every day and left a voicemail every day, more so to document the lack of follow up on her end.  After three more weeks of this I reached out to my HR person again and she was able to see that my claim was denied about two weeks after my accident. The denial haad a note that said I was unreachable (false) and she also found a letter that was formally filed with the state saying I was denied because I had deviated from my route (also false, and never discussed with me). My HR person was able to get WC’s supervisors involved, and the WC rep contacted me shortly after to report herself that the denial was due to “failure to report in a timely manner.” At this point, I won’t lie, I was pretty angry hearing that, but I was still trying to keep cool. Calmly, I pointed out that WC rep’s lack of communication was the sole cause of this denial and she pretty much just brushed me off and started asking other questions related to my claim, presumably to actually file it properly this time around. She then verbally accepted the claim “without prejudice” and told me the OC fee agreement would be signed that day.  I went over this whole issue with my attorney and she said I shouldn’t rock the boat if they’re cooperating now. My problem is, it’s been a month and four days since WC rep said that she’d sign that agreement “before the end of the day” and the agreement is still not signed, so are they really cooperating? I have not seen a specialist for my injuries to this day and without going into detail, I’m basically bedridden at the moment.  Roughly one week after that call a WC supervisor reached out and told me I would need to sign and notarize a Section 19 agreement. This was the first time this agreement was mentioned, and no one indicated it was a condition for approving treatment. Over the following weeks, I continued to check in with both the supervisor and the original WC rep as they negotiated the fee (or so they claimed) with the specialist’s office. At one point the WC supervisor says that they have reached an agreement and that they were preparing to sign a finalized version. After about a week or so I reach out to the WC supervisor, who hands me off to the WC rep, who then says that she was waiting for the signed Section 19 from me first—implying that the fee agreement was being held up until then, although no one had explicitly stated that before. When I asked for that clarification, the WC rep clammed up again and stopped responding. I’ve asked twice with no answer, and when I asked a different question on an email chain she and her supervisor are both on, she responded right away to THAT question, refusing to answer the last two in the email chain where it is just her and I.  As of now, I’ve been without medical care for about three months. I’ve received no workers’ comp wage benefits, and I’m unable to qualify for state assistance because there’s no formal record of accepted benefits. My injuries are not improving, possibly from lack of care, and I’m growing increasingly concerned about long-term damage. My current attorney has advised against escalating things with WC, fearing they might stop communicating again, but at this point I’ve lost all hope that this company is acting with any sort of good faith and I feel like something else needs to be done. At the very least, I really believe that this level of dishonesty shouldn’t go unpunished by their supervisors or the state if need be. If I didn’t have my savings to fall back on I’d be in a lot more trouble, but even so this money won’t last forever.   My problem is: If I pull the trigger and start playing offense here it sounds like it might be much, much longer before I see any specialist for my injuries. Everyone has warned me that Workers’ Comp is a nightmare but I never expected this much of a problem. The way I’m feeling right now, I’m very close to pursuing legal action against them as well, but every time I mention what I’m going through in my close circle the consensus seems to be “Yeah they suck but it is what it is.”  Does the state take these kinds of complaints seriously? Does it sound like I am justified to pursue legal action if I decided to go there? It sounds to me like they’re withholding care unless I sign this agreement so they can cover themselves first. I need a realistic opinion before I decide what to do next. I try to never act in the heat of the moment but I’m kind of at the end of my rope.  TL;DR Workers’ Comp is doing what they do best. Would I be making it worse if I tried to hold them accountable?

I am going through Tesla insurance for my Model Y. I had a few aftermarket parts and vinyl wrap that needs to be replaced as part of the repair. The quote/check for the repair does not include just three items and the shop is saying that they will submit a separate claim/payment for that item after everything else is repaired and done. Additionally, they are saying that after all of that, I need to go get a quote for the wrap and submit that separately on my own to see if Tesla will reimburse me for it. Anyone have any insight on this? At this point, it has taken me several months to even get a reply back from the shop, I almost want to just ask for a check and get it done elsewhere or figure it out on my own. The only issue is the check was sent to the shop as a two person check, so I almost feel like I will be stuck with this shop.

US Florida. I was involved in a car crash recently and don't know what to do. What happened was that I was exiting a fast food drive thru late at night. The drive thru exits onto 4-lane divided road and there is a stop sign controlling the intersection. I stopped at the stop sign and looked down the road to see if it was clear. I saw no oncoming traffic, so I turned right into the left lane as I was intending on taking a U turn at the next available place which is fairly close to where I entered the road. (Yes, I know this is illegal. I got a ticket for this and I know I won't be getting out of it.) As I turned into the left lane, I collided with another driver who was driving in the left lane. I did not see this other vehicle whatsoever even though I looked before I entered the road. Damage to both vehicles was minimal and neither of us were injured. We were able to move to a nearby parking lot before the police were called to the scene and we exchanged information. At the time I was freaking out about the whole situation and not thinking clearly and only remized later that the other person's headlights obviously weren't on, otherwise I 100% would have seen them. I tried emailing my insurance company (Progressive) that was handling the case, but never got any response. There are traffic cameras at the nearby major intersection as well as security cameras from nearby businesses that I believe would be able to help, but I can't get any footage from them. I asked in person at the businesses and called the police department and they all told me insurance would have to handle it. So what do I do? Do I have to get a lawyer? Is it even worth it to do so?

Arizona - My homeowners renewal policy just arrived with a 1% shed/other structure inclusion. I thought this was a mistake/rollover from our previous house that did have a storage shed. When I called travelers (through our company discounted rate line), the agent said they cannot remove the shed coverage as it is state law - even though I don’t have a structure? He actually got frustrated with me as he’s had to argue this with several policy owners? Is the agent just wildly wrong? What on Earth would I claim against this part of the policy when I don’t have an additional structure? Did AZ pass a really dumb law and I missed it? AZ Homeowners Ins Agent Redditors, please help me make sense of this!

Hey guys , so this happends to me , My son was involve in an car accident last year (few months ago). He was driving his scooter to school on a traffic light he make an line change and got hit by a car(He is a Minor).After few days we got the police report saying that was my sons fault. Nearly January I receive an letter from NCS saying that I need to pay them 14k！The insurance of the other guy was nationwide. It was just a small accident so this looks not normal to me. Being an minor and on an scooter on his way to school hitting by a car was very stressful and know we need to pay over 14k out of my pocket. Just want to ask if NCS a scam? Should I pay the balance?

Hey everyone, looking for some advice. Back on February 6th, I got into an accident when the roads were icy, and sleet was coming down. I was driving under the speed limit, but my car swerved and I stupidly slammed the breaks (didn’t know that was literally the no.1 no no) and ended up swerving into a different land and a truck ended up hitting me on the passenger back side. The car was totaled. Fast forward to now—I just got a notice from progressive saying I was found at fault. They included a form where I can contest it, but it costs $50 to do so. The form asks me to describe what happened, including the weather conditions. There was a decent gap between when I stopped swerving and when the truck hit me, so I feel like I might have somewhat of a case? But even then, is it even worth sending the $50, or is it just a formality with no real chance of overturning their decision? At the scene, the police told me the other guy had a dash cam, and I don’t have any other proof that I wouldn’t be at fault. Also, would this at-fault ruling impact my insurance premiums down the line? Appreciate any insight!

I was driving east on 71 headed home for the day after work when someone pulled out from a stop sign on Albert Brown Drive. I was luckily able to maneuver around the person without making any contact with the vehicle however in doing so my vehicle spun out and landed in a ditch. Vehicle is totaled, my head was bleeding from a minor cut, cut on my leg, bruise on my shoulder, little bit of neck pain but the worst was the red mark on the back of my ribs and a coupled ribs being bruised. Sucks I had just bought the car not a month ago and was a fairly rare 1993 Volvo 240 sedan that was black on black with chrome accents, super slick car and I looked forever until I could find it. Geico called me and said how usually this is an odd case because there was no contact with the other vehicle however the driver and police report said it was his fault so Geico is wanting to offer me a settlement. they offered $2,450 as basically "we sorry" this happened and will still cover the medical expenses from the ER and the vehicle cost's. Just not sure if I should take the offer being the wreck caused me to lose two days of work at one job and haven't been able to go back to my other job since I don't have a vehicle. Also I have racked up close to 300 dollars on Lyft rides, plus 150 to have my totaled car taken home and have my girlfriend leave work to drive 30 minutes to get me and take me to the ER. Also missed one of my best friends birthday parties the day after the accident and haven't been able to go back running or working out since the accident. I'm debating on hiring an attorney but resistant since my medical injuries were not severe. Also I have no idea how much they will pay out for the vehicle and online says 2000-7000 just sucks cause I can't find another car like it and not to mention I just spent 600 plus dollars on parts for the car. If anyone has had this similar experience what did you do, did you take the initial offer, negotiate with the insurance company or go through an attorney. I greatly appreciate anyones advice and input. Also if anyone has a 2001-2006 Honda CR-V for sale that's what I will be looking for once this is settled.

So I moved to the US from Europe over a year ago and have been using progressive since they insure people without a state license (I live in MA). I paid 1200 dollars every 6 months until just now when I spoke to my friend who also moved here at the same time and he paid way less on a much newer muscle car. I call progressive and they do a reqoute and my policy gets cut in half and I now pay 640 every 6 months. I feel like they entered some wrong information the first time around - do I have any recourse for them to pay me back if they misentered information the first time around? Of course I accepted the payment and condition so maybe there's just nothing to do. My friend who I compared policies with has the exact same coverage and started off at the much lower rate of \~600$.