I am a 33y/o female in NYC and found out today that my enrollment into medical insurance through my employer didn’t save. i have not been covered for the last 3 months and im worried something could happen where i need it. I just looked at quotes for individual coverage and at my income level of $140k the lowest cost plan was $700 per month. I’m getting married in August and since that’s a qualifying life event i’m wondering if i have any options other than get legally married early or pay the $700. i’ve reached out to HR for other enrollment related things in the past and they wouldn’t budge in the slightest so don’t expect any workarounds with my companies insurance which is Anthem. Advice desperately needed :(

Hey guys, State Farm is trying to increase my rates by another $300 per 6 months. Told them I’ll be taking my 19 years of customer service with me. Which insurance has discounts for being a nurse?

I've posted about my claim before. Insurance company low balled me on the settlement for my stolen car. Offered me 23k total I didn't agree, they didn't want to negotiate and told me to invoke appraisal clause. They rep calls we over a week later and told me good news their appraiser came up with 26k and something. Told me I don't have to get an appraiser anymore. Sounded good to me. Next day I get a call, they made a mistake and weren't supposed to tell me that amount since that's the amount their appraiser came up with for when I actually invoke the appraisal clause. I'm confused so I have two questions: Can they legally backtrack like that after they already told me I didn't have to get an appraiser and the amount they were at? And also, technically if I get an appraiser he or she should be able to get me more than their estimate right?

Got a quote from GEICO like around a week ago for 299 and month for full coverage, it’s the cheapest one I found compared to other insurance companies charging me 2x that at 18 I called GEICO and ran through the quote with him for a 2022 Hyundai Elantra limited he said it will be 304. That car ended up getting sold I found a new car I wanted clean title not a rental 7k miles 2024 Hyundai Elantra sel I got quoted $299 for it last week. Now I did another quote for the same car it’s all the same info I had last week and now it’s at $540 a month. I called and the GEICO guy said “rates can go up” and I highly doubt they go up $250 in a week. He did say my $299 quote sounded unrealistic and they whouldnt quote that when I literally have the saved quote on my GEICO app. I’m just wondering is this normal? And I can still buy the $299 a month quote right now since I did save it but I am scared they will raise my insurance prices to 550 a month after the 6 months. I do have screen shots of both quotes but just can’t add them. Should I buy the $300 a month quote since it’s the cheapest I found or will GEICO raise my rates after 6 months.

I’ve tried meds and special bland food and the dog is still scratching excessively. I got a quote for testing at like $1500 plus a $300 consultation fee. Was wondering if anyone knows if this is covered. When I called nationwide they were very vague, saying it depends and they can’t guarantee if it’s covered. Smh

I recently got into a car accident where I was rear-ended. The only damages were to my bumper and trunk. Geico gave me $2,000 to start repairs and said the shop could request more money if needed. I decided to take my car to Mercedes so dealer parts would be used. Mercedes told me they’d handle everything, but for two weeks I heard nothing from them or Geico. Then Geico called and said my car would be a total loss because Mercedes’ estimate was $9,671, which they said was above the 75% threshold. Geico valued my 2017 Mercedes C300 at $12,636. I did my own evaluation, adding in features/options Geico left out and $5,200 worth of maintenance I’d just done a week before the accident. After I sent my report, Geico updated the value to $15,453. At that value, the repair cost is clearly under the 75% threshold. Instead of changing the decision, Geico switched it from a “construction loss” to a “financial loss” and still marked it as salvage. Meanwhile, Mercedes had already taken my car apart without telling me, which caused storage fees to pile up, around $6,000. I was told the fees would only be waived if I fixed my car with them, which basically left me with no choice. What made me upset is that Geico ended up paying Mercedes about $7,700 for the initial estimate and storage fees, instead of just approving the $9,671 to fix the car. When I finally got my car back, it was still disassembled, with the bumper and parts thrown inside. Mercedes didn’t even bother to put it back together after being paid thousands of dollars. Given my car’s updated value, the repair cost is way below the 75% threshold, so how is it still being considered a total loss? I even asked if I could take it to a different shop for another estimate (since Mercedes is more expensive), and was told no. This whole process feels really unfair, and I don’t understand why my car is being treated as a total loss when it shouldn’t be.

My parrot was diagnosed with avian chlamidiya at 2 months. He went through medication and was fine. I have nationwide insurance Nationwide says I cannot get that removed without another expensive chlamidiya test that won’t be covered. Recently I was very sick and while I was sick my bird got sick. I took him to the vet and they gave him different meds and said it’s most likely a respiratory infection, which is also what I had. They specifically put that it was a respiratory infection and not chlamidiya which a pretty serious infection. Nationwide marked it the same as chlamidiya and refused to cover it, said it was preexisting. There are a billion things that cause a respiratory infection in birds. It’s not fair that every single thing he can catch will be lumped in with a very serious condition that he had when he was 2 months. They told me I need the SOAP notes and a letter from the vet which I will be getting. But I will be looking for a different carrier for pet insurance because this is obscene and I already have a $250 deductible with this I wasn’t even getting anything back this was to just go onto the deductible!! I appreciate any help you all can help because I’m at my wits end here I’m going through way too much and I can’t take anymore

Let me preface this by saying I might totally be in the wrong here. I hit a deer a few weeks ago, messed my car up pretty bad. It’s a 2017 Mercedes C300. The hood, bumper, grill, and right headlight assembly need to be replaced. Right fender can probably just be repaired. Regardless, estimate of the damages came out to about $7,700. I was SURE this would total the car, as I knew that my car was only worth $9-$10k. I had been trying to sell/trade it for the past year. It has 110,052 miles on it, cosmetic damages, coolant leak in the heater core, needs a new purge valve, etc. I have had four different dealerships tell me that it’s worth no more than $10k, and two offered me $5k to buy outright, other two offered $7,600 which is what carmax values it at. MERCEDES told me the car was not worth putting $8k worth of damage into and would give me $5k for it. Progressive tried to tell me it was worth $16,475. This number is based on what dealerships SELL my car for on average. My question is… if the car were to be totaled, they would NOT give me $16k for it, because that’s not what it’s worth. So how can they value the car at that price? It’s also a hypothetical number with dealership markups. They never sent anyone out to look at my car, they never asked about previous damage, NOTHING. The guy kept blowing me off and stated that they won’t run the value unless it’s totaled and flagged and we had not gotten to that point. Is this even legal?? I’m supposed to have the estimator call me tomorrow, but as far as I’m concerned, all he did was plug my vin into Mitchell Connect and say that it would sell for this so that’s what it’s worth. Should I fight harder? Everyone I’ve spoken to has told me to.

Oh where to begin. I filed a claim on progressive app on Monday got rental sorted and repair rep as they call them goes to body shop and spends four hours only to argue with body shop they feel the rear door is “repairable” when this is hardest hit part of my claim and literally metal chunks missing out of door but they’re agreeing to replace only passenger side door. Any one have similar issue with progressive ? If so how did you handle escalation. I basically got into it with the repair rep when he called me to say they’re only going to pay for one door to be replaced and that worst damaged door would be repaired. I’m like how do you repair something that is completely busted. Not to mention the rep had audacity to ask my body shop to remove the opposite side door so he could compare. Is this normal pushback bs progressive does on this situation? Or am I just this lucky to get a complete jackass of an adjusted Thoughts and advice welcome!