2019 Toyota Camry / New York / GEICO My husband was running late to work today and on the way there, there was a slow car right before the entrance to his job. He went around that car and his car slid and hit into a pole. No one got hurt. He said the car drives fine, the damage seems to be on the cosmetic side hopefully but he doesn’t know for sure that nothings leaking or broken inside. None of the sensors are going off. I wish I could post a picture. He contacted GEICO online since he’s still at work and couldn’t call. They made him take pictures without any detailed explanation about the state of the car and offered him 3k for the car. We are 4K away from paying off that car. We are not in a financial state to just get a new car and we were so excited to finally stop the crazy payments on the car. What do we do? Do we take the 3k and use it towards a new car? Or is there any chance to contact company directly and see if there’s a chance to fix the car? Sorry if my questions seem silly, I don’t know much about insurance or cars. Just want to ease some of my husbands worries if I’m able and have a clear way forward. He’s shook up and freaking out about how stupid he was to make such a mistake especially when we were about to be done paying it off. If you have any advice thank you in advance.

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?

Cigna denied my claim for a “periodic oral evaluation-established patient”, but approved adult cleaning (two per calendar year). This was the second examination and cleaning I got in the year. Reason for denial is “N4 - This claim is denied due to lack of information. If you would like to have the claim reconsidered, please submit the information requested” I contacted Cigna customer service twice and both agents said they didn’t know what the information requested was and provided no course of action. Who can I reach out to to understand what additional information is requested since Cigna doesn’t know?

Has anyone that has Nationwide (I know, I hate them for dropping so many clients and if my animals didn’t have so many conditions that would be considered “pre-existing” and not get covered elsewhere, we’d switch in a heartbeat) been experiencing issues with the website saying that the session has timed out almost immediately upon logging in? It’s been going on for me for MONTHS now and so submitting claims online is an absolute PAIN because it keeps logging me out.

Long story short, I got a bcbs plan through the marketplace last month and I kept getting bills for $0.00 saying I needed to pay or my policy would be canceled. The first time I got a bill for that amount I went online and paid a penny. Then I got another bill for the same amount of $0.00. I figured it was nothing to worry about. Fast forward to today, I have a doctors appointment tomorrow, and I get hit with an email saying my policy with bcbs has been terminated due to non-payment. Non-payment of what? Nothing? Why?

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?

I am a 37 year old female. I have one child age 10. I do not smoke or drink. I have applied for 2 life insurance policies. One thru all state 6 years ago. One thru state farm 30 days ago. I am a recovering addict and have been clean for 12 years . I have passed every drug screen since than. I keep getting denied because I'm in a matt program. I have taken this medicine for 12 years. I have been denied because on this medication. Any advice on where I can apply?

I have a 9 year old mixed lab. He was insured as soon as we got him through Healthy Paws and he has been relatively healthy since; however, we received a notice last week his premiums would be increasing from $84/mo to $194/mo. I found via reddit this was common for other California customers and reached out to a contact I found on reddit, only to receive a canned response about “increased vet costs” - no sir, vet prices do not increase 128% YoY. We also started at less than $40 a month, so costs for us had already doubled in 9 years. My dilemma: I can find pet insurance from Spot, Figo, PetsBest (literally anyone) for cheaper than $194. His only preexisting condition is hip arthritis at this point, although he does have random lumps that the vet said were harmless. No idea if those are in his medical history. Do I sign up for a different insurance company knowing I risk them doubling rates next year, and/or possibly claiming everything falls under preexisting conditions? Do I start putting away money each month and hope for the best? What would you do? I’m so frustrated as we bought into the pet insurance thing and would have been better off starting a savings account for him 9 years ago. But now here we are, tens of thousands paid to a company who actively wants to screw us over so we cancel and no savings specifically for the dog or money to throw around for vet bills.

My Simple IRA is with Edward Jones through my employer. My advisor, a glorified used car salesman, claims that it’s not fair to compare my returns with him to either the SPTMI or my own Roth IRA. His reasoning is that because it sees contributions twice a month, there’s always recent contributions that have not grown which makes the return seem lower. The account is only two years old and has about 10k in it. It shows about 12% growth for 2024 while the SPTMI and my ROTH IRA (30k, maxed early in the year, 80/20 VTSAX/ VTIAX) showed about 24%. Does his explanation hold any weight? My returns over the last rolling year are negative by <1% while my ROTH is up over 13% still just because of how strong last year was. Appreciate anyone’s input!

Basically what the title says. In July of last year I got bloodwork done at my doctors office back home after graduating from a 4 year university. A few months later I get a bill for 700$ saying that they charged it to my former school's insurance as opposed to my CA state insurance. I've gone to my doctor's office multiple times and each time they've said they'll handle it but quest keeps sending bills I'm back in college and need to save as much as I can, is there a way to resolve this with quest? A relative is saying I should send a notarized letter explaining the situation, but I've also heard if I call quest and give them my CA state insurance info it should be better. Is that still possible, or has too much time passed? What's the best thing to do now