Had collision (not gap) . Lots of body damage, but totally drivable. Quoted at $1500 in repairs (after deductible), The car is an EV and I’ve wanted to trade it for a gas car, but I owe way way more than it’s worth so haven’t. The claims adjuster told me repeatedly on the phone they’d negotiate with the lienholder if I had their tow truck come and pick it up and progressive could total it so obviously I happily agreed. Claims adjuster gets back to me, says they’ll send my leinholder 3k after my deductible (this is a fair value of the car) and I’ll still be responsible for the remainder of the balance. The remaining balance is 9K. (I know, I know..) I asked what happened to negotiating, he just gaslighted me that that’s not his job and he said he’d *maybe* negotiate. So I ask for my car back, he said, no I can’t have my car back. How is that possible? I haven’t signed anything yet, but I don’t get why they pressured me to agree to paying out my lienholder 3k vs 1500 payout to me (after deductible) I’ll be left with no car and 9K in debt? How can that be legal? Help? Edit : by asking for my car back I meant , can I have my car back and then they send me the original check for the body damage repairs

Hey all, I'm looking for advice on an issue that's been bugging me. I went to the orthodontist office regarding wisdom teeth extraction (in network). They already charged me a $200 consultation fee (This, I know isn't covered by my insurance). They told me my insurance isn't covered and that I can pay upfront and they can send a claim to my insurance and if it's covered they'll reimburse me. So I paid upfront, did my surgery and healed. 12 days later, I called my insurance for a follow up and I found out that there was no claim filed. And in fact my insurance DOES cover the extraction and bone graft. Im only supposed to pay 20% while insurance covers 80%. So we called the orthodontist office and told them they need to file a claim because they're in network. The front clerk basically said she'd relay the message to the billing team. Few days later, no claim was made yet. Best believe I called every single day until the matter was fixed. So finally I see a claim that they've made after 2 weeks of constant back and forth. Take in mind, I paid $5,356 out of pocket. My charges were $5,000 for TWO bone graft. $268 for the extractions and $88 for the anesthesia l'm assuming because it says "Ir". They filed a claim for $5,000, I immediately called my insurance to find out what they filed for. Apparently they filed for a completely different treatment than what l've done. And guess what? Whatever they filed for isn't even covered by my insurance. I definitely feel like this office is trying to rob me and get away their fraudulent behaviors. I spoke with the oral surgery department from my insurance and he called them today, confirmed my treatment with them and told them they need to submit a new claim for the correct treatment. Insurance told me to give it a week, if nothing is done, call them back and file a formal complaint. Will this do anything? I'm anxious and I just want my money back. I learned my lesson 100% and will NEVER pay upfront for something that should be covered by my insurance.

I have met my Medicare deductible. I have plan G Medicare supplement which pays all co-pays, etc. I am being billed by a doctor’s office in spite of the fact that I have no further liability for co-pays. What is the best way to resolve this as the doctors office keep sending me a bill.

I noticed on my renewal for my auto policy with Progressive that I was listed in tier 3M. Google told me this is a high risk tier, but I have been driving for many years, have a clean driving record, and no claims. I am, based on my driving record and insurance history, a low risk driver. Is this a high risk tier? Does anyone know how these tiers are assigned? If I am incorrectly assigned to the wrong tier, how do I fix that?

I got a BMW from Auto Trader in October. The garage I got it from was dodgy as fuck but the car seemed fine. After 3 weeks oil all over my drive way, since then been in and out with constant problems. (Engine coolant system failure, new control module, new turbo with new gaskets and turbo actuator). I took the car to my regular garage since the one I got it from was dodgy (I understand now this was a mistake), I phoned the original garage and since I never took it in to them they’re saying there’s nothing they will do. Since Christmas I’ve had the car for 13 days, have it a couple days then in the garage it goes, constant problems. None of this is my fault, the garage has confirmed this, I know how to look after a car. £4,000 roughly in garage costs. Plus the money i’ve been spending on finance etc on a car I do not have. Can anyone please give advice on anything I can do to be reimbursed on some of the money I’ve spend since none of this is my fault and the car is so recently in my possession. I have been in touch with finance company (Carmoola) just waiting for the final receipts from garage to forward them.

How accurate does the quote be when “dealership” works with multiple auto insurance companies to get you the best rates possible. Family member (new driver), called Geico for a quote and was given a high rate. She went to a dealership to see a vehicle that she was interested and left the dealership with the vehicle. Her word was “the saleperson and the person that deals with insurance at the dealership was able to get her a better deal. I tried to tell her dealership just do their quote online and uses that to bait customers into buying the vehicles. Dealer: Geico- $1983 for 6 months full coverage Family member: (over the phone): Geico - $5,400 for 6 months full coverage Thanks for y’all feedbacks.

Hi all, Looking for some advice on this situation: I had a motorcycle insurance policy with Hastings Direct while riding on a CBT (A1/A2 licence). A few days ago, I passed my full A licence and phoned them to update my details. They then told me that, due to their underwriting criteria, they can no longer insure me with a full licence — and that the policy would be cancelled from the 18th of July 2025. Shortly after the call, I received an official email confirming the cancellation. It states: “We’re writing to let you know that your bike insurance policy has been cancelled… This is because of the new information provided. Based on these details, it means we can no longer cover you.” However, during the phone call, I specifically asked if I’d need to declare this cancellation to other insurers. The rep told me no, I wouldn’t have to, because it wasn’t cancelled due to anything I did wrong (no missed payments, no claims, no dishonesty). They said it was purely down to a change in licence type and eligibility. I’ve emailed them asking for that in writing to cover myself — but in the meantime: ⸻ My questions are: 1. Do I actually need to declare this as a cancellation when applying for future bike insurance? 2. If I don’t declare it (based on what Hastings told me), can another insurer later void my policy if they find out? 3. Has anyone else experienced something similar? ⸻ I’m trying to avoid getting hit with sky-high premiums over something that wasn’t my fault. Any advice from people in the industry or who’ve been through similar would be much appreciated! I’ll be pretty shocked if I find out I need to declare this going forward as the policy cancellation outcome has been completely out of my control. Simply phoned to let them know I have now passed my MOD2, I wasn’t looking to change my bike or anything else whatsoever and wanted to continue my policy for the time being with my 2011 Honda CBR. Also worth mentioning — Hastings waived any cancellation fees, and I’m getting a refund for the unused portion of the policy. That seems to suggest they don’t consider it a “bad cancellation,” but I want to make sure I’m not risking non-disclosure by trusting what they said on the phone. Thanks in advance.

Help me understand this one. My wife was injured by my neighbor's dog, knocking her down and tearing her ACL (it wasn't aggressive, just large and friendly, freak accident.) Surgery was very expensive, went through my employer based insurance, no big deal. We start getting letters from Conduent, asking if someone else was responsible. Yes, neighbors dog and property. Gave them the insurance info, we all expected some subrogation of claim and I'd prepped my neighbors for that. Then I get another letter asking about what legal representation we retained in a suit against them. I called them and told them we haven't sued them. That we have a good relationship either our neighbors, it was a freak accident, and we aren't litigious. The woman sounded extremely skeptical and said something to the effect of "let's see how you feel about your neighbors in a few months. I'll check back in 6 months." It was the tone that really bothered me, sort of like "oh you just wait and see, you will!" Like something is coming down the pike that's really going to ruin my day and make me want to sue my neighbors. Can someone walk me through this one? Insurers work together in auto accidents without requiring litigation, I figured it would be the same thing here.

I have a six-year-old lab mix (50 lbs) who is in good health, but a couple months ago, she was limping a little bit and had an x-ray in which the vet I saw said there was some minor flattening of one of her hip joints. I have a family member who is a vet in another state, and she said from the scan she saw, there was nothing worth noting or treating and she seemed to be in perfect health for her age. She’s also stopped limping entirely about a week or so after that appointment. However, I know that the vet we saw does have it in her chart. I tried to file a claim on this, but as with literally every other claim I have ever made (nothing serious or crazy expensive so I let it go), it was denied. I have had Figo since I got her at 1.5 yo (rescue), but the same plan that I still have since I signed up shortly after adopting her started at about $25 a month, and now is creeping up to almost $125. My annual renewal date is mid February, so I have been thinking about making the switch. However, I am wondering if because of this last visit, if she were to develop hip dysplasia later in life, they would use that as an excuse not to cover anything. Barring any accidents or random injuries, it doesn’t seem at this point that anything else is concerning or showing signs of future problems at this point. She’s an inside dog and has always been up-to-date on her shot and flea, tick, and heartworm meds. The vet did bloodwork when I took her in for x-rays, and everything came back crystal clear, as it has any other time she has had blood work done. I’ve just become increasingly frustrated with Figo given the price hikes every year and their refusal to accept anything. I feel like I’m wasting my money, but don’t want to get screwed over later on if a new company sees it a pre-existing condition. But I’m also too anxious to not have any insurance at all. Anyone have experiences similar to this? Any advice? Do I just tough it out and keep shelling out the cash just in case? I know I should have probably switched years ago, but here we are.

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?