I wanted to share our ongoing battle with CNA Surety. Contractor licensing bonds are supposed to protect homeowners by ensuring that contractors meet their obligations and pay out when they don’t. But here’s the problem: CNA Surety claims they have no duty to investigate or pay out unless there’s a court order—meaning you’d have to sue and win in court first before any funds are released. This issue is now under review by the California Department of Insurance, which is conducting a broader market review. Redacted snippetof their stance: [CNA's Stance](https://imgur.com/a/xVNebbg) Has anyone here ever actually received a payout on a contractor licensing bond claim? What do you think is really going on with this practice?

Location: Seattle, Washington Hi everyone, I’m looking for advice or similar experiences. A few weeks ago, a driver crashed into our house. The impact broke our front door, left insulation exposed, and traumatized my family. My wife witnessed the crash, screamed in panic, and we have video with audio capturing her emotional reaction. Since then, she’s been unable to sleep, cries at loud noises, and constantly fears it could happen again. Our 8-month-old baby was also in the house. While some say “babies don’t remember,” there’s real research showing even infants can be affected by trauma — especially when their caregiver is distressed. We had to cancel a planned international trip in September and also dealt with harassment from a contractor who was supposed to do repairs, adding even more stress. We submitted: • The video showing my wife’s panic • Travel cancellation documents • Research on trauma in infants Despite all of this, Safeco (the driver’s insurer) is only offering $500 for emotional distress. They say we haven’t “proven” our case — even though the trauma is documented and undeniable., no real explanation. Has anyone dealt with Safeco before in a similar situation? Is $500 a typical offer for something like this? What would you consider a fair amount based on the circumstances? Thanks in advance — this situation has been overwhelming for our family, and any insight or shared experience would mean a lot. I used ChatGPT to explain this situation here.

\*EDIT: I've been corrected by a few people-- The person I was interacting with was probably a medical technician/phlebotomist, not a nurse. Sorry for the mix-up in the title. Hi all. I have a problem, and I'm not sure what to do. Earlier this week I (24F) went to a Labcorp office to get blood tests done in advance of my hematology appointment (this is something I have to do multiple times a year). When I got there and was checked in, the medical technician\* asked me if I was there on the orders of "Doctor Smith" (fake name). I told her that while Doctor Smith was one of my doctors, I was actually there at the request of my hematologist, "Doctor Johnson." The Labcorp worker told me that there was nothing from Doctor Johnson's office in the system, and the request from Doctor Smith was the only one she could see, so it HAD to be the right one. Since she was the expert, I assumed she was right and went along with it. Well, that was a bad move. Instead of giving me the tests I needed, the medical technician\* redid ten completely unrelated tests that I had already gotten done in August. Now I found out that they're planning to charge me $220 for the incorrect tests, plus I need to go back and have more blood drawn because I still haven't done any of the tests I need for my hematology appointment. Is there anything I can do to not pay this initial $220 bill? It really feels unfair to me, mostly because I already had to pay an identical bill back in August when I got these tests done the first time. I've already called the Labcorp, my insurance, and the hematologist's office, but all of them seem really unsure about the situation. Which one should I keep calling? For extra context... I live in Maryland and make roughly $65k a year. I'm on my dad's insurance.

I am currently 2 months pregnant and just recently went for my 2nd pre-natal routine checkup. They performed a papsmear, and a ton of blood testing since I am almost 40yrs and it may be in the high risk category for pregnancy. Before I went in to see the doctor. The people at the front desk assured me that my Ambetter plan covers everything that needed to be done. But today, I received a letter in the mail from ambetter saying that I was denied for "Genetic Testing" as it falls out of their covered services. I am really stressed out about this and don't know what I should do. The people at the doctor's office told me they cover it, and ambetter is telling me otherwise. I also signed up for CHIP perinatal and wonder if that covers Genetic Testing.

Hi, I’m looking for help on disputing information on my CLUE report. Back in March 2024, in Arizona, US, I was involved in a accident which was deemed to be the other driver’s fault. The payout went out from their policy. We were both insured with Progressive at the time. When I first called to report the accident, Progressive opened a claim on my policy, I wasn’t aware it was on my policy at the time, however, I made it clear to them that the other person agreed to having been at fault and gave me their insurance details. When the adjuster first contacted me, they spotted this mistake and closed the claim on my policy with 0 payout and opened a claim on the other party’s insurance, which ended up in a payout of $1400 to me. While shopping for insurance last week, I saw that progressive is listing the above accident as a non-chargeable at fault accident with 0 payout. To get this corrected as a no-fault accident on my LexisNexis CLUE report, I will need to raise a dispute, howe

Hello! I am struggling to find a good plan for my older cat. I am moving out for college and my apartment requires my cat has insurance. My family never considered pet insurance for her, so it's quite a struggle. Im an undergrad and I love my cat a lot, I grew up with her. She's the cutest torbie short hair with a beautiful coat. But she is 12 years old, with quite a few preexisting conditions. She has arthritis issues and a pretty bad knee, a partially amputated tail from cysts, and has had teeth issues as well. Honestly, considering her pre-existing conditions, I know I will not get much from insurance besides maybe small coverage for check-ups. Lemonade will not let me file for her because of her age. If anyone has recommendations, I am considering a cheaper policy. I am looking into FIGO, but obviously, I have seen bad reviews for every company so I am pretty stuck on what to do.

Hello, I am hoping someone can provide a bit of guidance as I’m a bit confused as to how my most recent claim was handled. My Labrador has been on a fetch (formerly PetPlan) insurance policy since she was 12 weeks old. No issues with preexisting conditions and fetch covers a lot that some other insurances don’t when it comes to congenital issues. Recently she had to have TTA surgery to repair a torn knee ligament and we just got our reimbursement approved for the treatment I noticed I was about 100 dollars short in my reimbursement, but received no communication that they partially approved or denied any part of the claim. I went and checked and they coded the surgical anesthetic medications under “prescription medication” and allocated all medications used during the surgery as prescriptions, which was applied toward the 1,500 sublimit I have on my plan for prescriptions I have never seen this before and every single communication/review about fetch talks about how they covered surgeries in full and all that jazz, and it seems crazy to me that the anesthetic medications necessary for surgery would be coded the same as prescriptions and would prevent me from receiving a full reimbursement. Has anyone else experienced this with Fetch pet insurance? I’m just concerned because it is likely she will need her other knee done and if it happens within the year then this entire surgery would have killed the entire prescription sublimit I have on my policy (that was also never communicated to me in the time I spent on the phone with the customer service agent)

Hi guys, I am a foreigner who arrived to the US last year due to work. I had auto insurance for 4-5 months and wanted to change and see if I could get something cheaper. In March I finally found one who could half my monthly insurance cost which we settled the same day. The broker confirmed all details that I am a foreigner, with an international license, 7 years driving experience OUTSIDE the US. 2 weeks ago, Progressive sends me an e-mail that a automatic payment will be made in April of $1107. I had no clue what this was, as the broker told me the cost would be $106 monthly. I immediately call Progressive and they inform med that the broker most likely inserted incorrect information or misunderstood how to fill out their quoting system. They also tell me, that they send me physical mail to my address that the insurance was not eligible and the policy was updated to reflect my correct details. But I am yet to receive this mail, which according to them was sent the day after I approved the quote I was sent. What concerns me a lot… - Why did Progressive not send anything in regards to this change? - only my State ID was given to the broker and as I understand with my prior insurance company, they require my international- and foreign driver’s license to insure me - can they update it without me confirming/agreeing to this change? I have called and mailed the broker which is yet to answer and pending their response. What do you do, in this case? Location: North Carolina

I guess I should have looked into this sooner, since I got the email from Manypets back at the end of December, but I forgot about it until now when I FINALLY got an email from Odie regarding the new policy which takes effect March 1st. I have been paying $34.12 a month for each of the last 3 years on a Golden Retriever since she was 3 months old with Manypets. $500 deductible and 90% reimbursement and unlimited annual. They say your rates will be the same with Odie as they would have been with Manypets, but the new premium is $50.15 for $500/90% AND I noticed that the annual max is no $20,000 instead of unlimited. I understand rates normally go up each year but this is nearly 50%. I have seen other posts about this so just wondering if you guys are sticking with Odie or finding another company. I still have not received the email regarding the whole policy so there may be more things I find missing. And if you did switch, do you know if the new companies normally waive the waiting period as long as you have had continuous coverage with another company?

My question in the title does not in anyway mean as an attack, simply my genuine curiosity based on my personal experience. My parents recently migrated to California so we went to a certified enrollment counselor in NorCal. For some reason this counselor keeps pushing BenefitsCal and also to sign up for her clinic's health care plan. I am already a Kaiser member myself, so I wished to sign my parents up for Kaiser as well. But she kept pushing back, I assume because she benefited if we signed up for her orgs plan. The whole thing made me very uncomfortable. Wondering if anyone has experiencedthe same?