My first mistake was insuring through state farm. My second mistake was using one of the preferred shops that state farm recommends. My liftgate had a dent covering 40% of the area of the surface plus it was bent on the inside frame. State farm insist they can repair this by bending the panel back in place and filling with bondo. This is the worst way to fix this door, but State Farm doesn't care they just want a cheap repair. STATE FARM IS NOT A GOOD NEIGHBOR - THEY ARE VERY DECEPTIVE AND WHEN IT COMES TO YOUR CAR REPAIRS THEY WILL SCREW YOU BIG TIME.

My wife and I have car insurance through Progressive. We moved to CO 6 months ago and are paying ~$475 for 2 cars for the first 6 months. However, our premium went up to ~$625 for the next 6 month payment, and that’s after the lump sum payment discount. No clue why it raised in price because we haven’t gotten any tickets or been in any accidents and I haven’t modified the coverage at all. We did Snapshot and it says we’re going to be saving another $55 by continuing with snapshot, so I can’t imagine our driving patterns have increased our premium by $150. Online, it doesn’t say why it’s increasing. How can I reduce my premium without changing coverage? When I call and ask why my premium went up, will threatening to leave for another insurance provider force their hand to give me a lower rate? If so, what information should I come prepared with?

So I have really bad neuropathy and have had for like 15 years. Can't feel anything below my knees. I developed a foot ulcer that was just not healing and after going to a foot specialist for 3 years my GP sent me to a wound specialist in Jan. My company had just switched to united health care so I wasn't very familiar with them. I went to the wound specialist every week or every other week for 2 months and I was actually seeing a lot of improvement and was feeling pretty good about it when my insurance told me they were denying a lot of the services so now I owe over $6,000! And this is on top of the $200 I had to pay every time just to go see him as a specialist. But the things that they are denying are things like the wound pad and the gauze that they wrapped my foot in for me to leave the office. The Doctor cuts away a lot of old flesh every time and its on the botton of my foot so am I just supposed to leave his office with a big open wound? Am I supposed to bring my own gauze? It's also saying that I got a device several times, but I never got any type of device. Also the amount that the doctor's office is charging for just a little bit of gauze is insane. It's saying that the gauze or pads are 16-48 sq in and they were just small squares so maybe my doctors office was padding the bill, but I'm not sure. I've tried appealing it but what else should I be doing? I've stopped seeing the doctor because I can't afford that so now I'm just back to not healing and having a constant worry that it's gonna get infected and I'm going to end up having my foot amputated. The claims say things like: Service description: A saline- or hydrogel-soaked gauze pad, 16-48 sq. In., used to cover a wound. The dressing protects the wound. Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Service description: Any one item used during a surgery. Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Please refer to the Exclusion and/or the Additional Coverage Details of your plan document for additional information. (CAD128) Service description Any sealant, protectant, moisturizer or ointment. The product is used no to protect nntont the the skin ckin against against tears tears or or breakdown breakdown caused caused by by tape or other adhesive material. Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Please refer to the Exclusion and/or the Additional Coverage Details of your plan document for additional information. (CAD128) Service description: A sterile pad, 16 sq. In. Or smaller, made of gel fibers to cover a wound. The pad is used as a protective dressing Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Please refer to the Exclusion and/or the Additional Coverage Details of your plan document for additional information. (CAD128)

Title pretty self-explanatory. A lady hit my car in the mall parking lot while I was inside shopping. Car is a 2005 Chevy Malibu with 306K miles on it and a few minor dents and scratches. The damage caused by the lady who hit my car is significantly worse than any previous damage incurred and exceeds the value of the vehicle, so her insurance company wants to deem it a total loss and offer about $2K. I took the vehicle to a body shop to get my own estimate, which came out to be $3.7K. Insurance company doesn’t want to budge on previous estimate. I get that the car is old and not worth anything, but I’ve learned how to keep it running and can afford its maintenance. I can’t currently afford to get a new or spiffy used car, but I’m also not sure $3K is enough to get a solid cash car that won’t break down on me. I also live in Georgia, where having a salvage title isnt really an option. What would you do in the predicament? Any advice is appreciated.

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.

Hi all. Looking for guidance on what to do with my HSA. My employer used HealthEquity for our HSA provider. From what I have read, they are an abysmal option given their high fees in comparison to other providers, like Fidelity. So I have two questions: \- Would it be wise to rollover my HSA from HealthEquity to Fidelity? (At least the amount that I want to invest.) I know there is a rule that this can only be done once in a 12 month period, but I really just want to invest a lump sum at a lower fee. \- This will be my first time investing my HSA. Should I treat it like a regular investment? What do you all typically invest in, i.e. ETFs? Appreciate your help.

A couple months ago my car was parked and someone hit the back of it (they were parked behind me). Luckily my dash cam recorded everything. I contacted the local police and they went to the man’s house and he admitted fault saying “ I didn’t think it was that bad”. I declined pressing charges as this man was older and In just wanted his insurance info thinking it would be a simple claim. Alas, here were are with State Farm trying to get me to use their preferred body shop and only approving 60% of the estimate. I know they tout the benefits of using their contracted shops but I don’t want to do that. I got two estimates from two reputable shops showing what the cost to repair should be but they don’t want to budge. I also understand that if I go to a non contracted shop then the shop can request supplements for more money from insurance to complete the repairs. I just don’t like being liable for any monies not agreed to by State Farm if that situation were to happen. At this point I’d rather just get the amount the two shops quoted me to fix it and go that route. I’ve compiled a demand letter requesting that amount, along with 10 days of a rental care cost. I think this is fair and hoping this will resolve the claim. Think they will agree?

Location: New York I am trying to navigate the ongoing challenges in the hardship surrender of a life insurance annuity (qualified) I inherited from my father when he passed in NOV 2013. He was 82 years old when he passed and was already taking disbursements (Metlife at that time). In early 2014, I truly thought that I had requested a full pay-out on the life insurance; however, Metlife then informed me that I had already annuitized the policy (?), and it was documented on my 2014 annual FMV notice from Metlife that there was "no servicing agent on record". At that time, I did not get too upset about the mix-up because my family was doing fine financially, then. However, I am now 61 and my wife is 62; and now our financial situation has turned dire, as last year we already liquidated the other inherited life insurance annuity from Security Benefit which was super easy and paid-out within days. The reason for this eminent need is that my wife lost her job in March 2024 and she has been unsuccessful in finding a new role in this unsure job market (>500 job applications), and her NY unemployment insurance was exhausted long ago. We also have three sons, with two currently being in college in which one of them has autism in which I have dedicated my life, acting as his personal attendant of sorts to assist his K-12 education. His disability application for SSDI is still in the appeal process with the SSA, so we have paid for his first year of community college, with a great deal of assistance from me. Unfortunately, after several documented/recorded calls with Brighthouse, they have failed to provide me with a copy of my original contract, or the ability to even open an on-line account. Whenever I call them, I am not even treated as a real Brighthouse customer as my annuity contract is immortalized allowing me no visibility of my account, and I am informed that I will not be able to withdrawal the money until age 73. After 11 years, the annuity is only worth \~$28,000 (started out at $37,000 in 2013). It's not a lot of money to most people, but it could save my family at this point! I would be so grateful if the legal expert in this community could help me navigate down the correct paths to possibly resolve this solution as we really can't afford a financial planner or attorney at this time. I'm not even sure that I'm using the correct surrender request form (EF-70N-DXC 10/23) because I never get a response from Brighthouse, and I am very gracious in my communications with them.

Hi! I'm 19 and I recently bought a car and got my license. I called up progressive for car insurance since most of my family is with them and they said that I would have to pay around 484$ a month for minimum liability coverage. This surprised me because the first time my siblings enrolled with them they paid a little over 200$ and that wasn't too long ago. My car isn't new either, it's a 2007 Honda Pilot. If anyone knows any better insurance companies who aren't as expensive please let me know!

Spoke with a woman who would not directly answer any of my questions. I asked how long until they cover a CURABLE pre existing condition such as a UTI for a cat which is a common thing some cats deal with and she went on and on and on about broken bones and all this other nonsense. I tried to steer her back to the original question several times and she just couldn’t stay on topic. I don’t know if she was on something or what her deal was but it was very weird. She didn’t want to give me a direct answer. I finally asked to speak with a supervisor. She put me on hold for several minutes and came back and said no one was available. Then she message the supervisor with my question, the supervisor just answered it directly. Imagine that. I asked a question and they just answered it. I told her thank you and that was the question I was trying to get an answer to. She said I should have told her that lol. I tried to explain how this can be frustrating and a little suspicious to a pet parent that’s trying to get info. I explained that it is as if she was working me a little. Like she was saying words without answering the question and talking in circles. I would ask a question and she would answer it as if I asked another question. Very sales pitchy. It was very bizarre to say the least. She then started raising her voice and talking over me so at that point I told her to have a nice day. If you are also curious, there is no amount of time after a cat gets a uti that that they will cover it. There is no curable condition time period like some companies (usually 12 months to 18 months). My cat has had one uti a year and a half ago (she is 2 years old) and if she were to get one at any point in the future it will not be covered. The woman told me not to worry about a uti and that it’s not a big deal which made me uncomfortable. I had to give her a break down of how expensive it actually is. There is the office visit, which is often a same day emergency visit which is more expensive because a uti can come on quickly, the urinalysis, and the medications. It’s expensive. Hundreds of dollars. She then asked why I’m so concerned about a uti, maybe my cat has kidney disease or something. I said no, she does not, I would just like to know what I am paying for coverage wise, what is covered, and what to expect. She then began her sales pitch again and didn’t respond to what I said. She was off on another roll. Very unproductive and unprofessional conversation to say the least. When companies act like this and you get that pit in your stomach, it is bad deal and you need to get off it. There was nothing good about whatever that was. Really scary these people are in charge of providing insurance for beloved pets.