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Insurance companies are constantly reviewing us. Are we too old? Do we live in the wrong place? Is our credit score high enough? Well, now it's time to turn the tables. Do you charge too much? Will you pay my claim quickly? Is your coverage worse than it seems? We can review you too.
Geico - Unique claim situation - car title and registration not under my name
I am currently a policy holder with Geico and have have owned my car (beater) and insured with Geico since last 7-8years. Today I got a phone call from Geico for a claim against me and it got added to my account. (I have no current relation to this vehicle and the date and time that they mentioned I was in office)
Background (Spring/Summer 2023):
* I was briefly on my family member's insurance with Geico \~2years ago
* Family member sold/transferred the car to the new owner \~2years ago
* Family member did car's transfer paper work including release of liability
* The new owner did confirm that they went to DMV and transferred the car under their name within the 10 business day period
* Family member canceled the Geico policy which I was part of as well (secondary driver) since I would occasionally drive this car (there is an email confirmation from Geico for cancellation of the policy, also \~2 years ago)
* To reconfirm family member spoke to DMV agent through chat and they confirmed the car's title and registration was not on their name anymore (however due to privacy they didnt mention the new owners name) - Their is saved transcript from \~2years ago
But \~2years later a claim gets added on my Geico policy for this vehicle. At this point this vehicle ownership is not under me or my family. The vehicle was sold/transfer to new owner back in 2023. Assuming the new owner that took the ownership of the car got into an accident but I have nothing to do with this.
Spoke to Geico and did not get clear instructions at first and then the last customer service agent tells me to provide proof that there is no relation to this vehicle.
I and family member who owned this car previously not sure how to handle this situation.
Anybody experienced anything like this before? Appreciate any comments
Anthem Blue Cross - Denial of claim ?
I have medi-cal through anthem blue cross in association with LA care health plan. I have never had Medicare part B.
I had a ultrasound in october 2024 which was approved by my primary care provider.
I just got a letter today from the centers for medicare and Medicaid services, fargo ND.
It is saying that the ultrasound was not approved and i may be billed 220$
It also says i have not met my part B deductible of 240$
Again, i don't have medicare part B.
Im not experienced with these insurance issues. I dont know if medi-cal already paid this or not, it's been almost 6 months. Is this medicare preparing to bill me for services already paid by medi-cal ?
Thank you, input appreciated.
Lemonade Pet Insurance - Lemonade Pet Insurance Rate increase steadily, becomes 5x the price after 3 years!
We first joined at around $30 but it is now $150 just 3 years later!
While I appreciate that they respond through email, will make up reasons for care reimbursement rejection - and they don't seem to have a transparent appeal process!
Healthy Paws - Premium Doubled
I adopted my kitten in 2018, which is when I also signed up for Healthy Paws. The monthly premiums started at $24.57 and went up reasonably every year so it's now $43.17, but I just got a notice that premiums are doubling to $86.60 in 2 months.
I see there are many reports of insane increases, esp. in CA where I am, so I don't know if that's why or if it's bc she hit 7 years, but I thought I'd check - is $86 reasonable for her age?
The policy has been 90% w/$250 deductible. She's been pretty healthy w/only annual check-ups, so I was thinking I could change to 80% w/$500 to make it more reasonable.
United - How do people get surprise insurance claims??
I am in a situation where I need a surgery so will 100% hit my out of pocket maximum.
The max, 8K, is fortunately something we can readily afford. The only thing that scares me are all the scary stories about how they get completely screwed over for supposedly covered procedures and are in debt tens of thousands at once.
What I do to prevent this possibility or are those detrimental stories are from people who do not have any coverage???
My insurance is with United.
GEICO - Leased BMW Needs New Windshield. Does it have to be OEM?
My vehicle needs a new windshield. It’s a lease and reading the agreement, it says the following: You are responsible for repairs of all physical damage that is not a result of normal wear and use. All service and repairs must be made with new and genuine manufacturer’s original equipment replacement parts, regardless of the terms of your insurance policy. Does this mean it has to be OEM? I have GEICO and they said they will not pay for OEM.
Nationwide Pet Insurance - Nationwide Pet Insurance - My Pet Protection With Wellness Plan
I'm having trouble figuring out what is covered and not covered under this plan.... My dog recently had an anal abscess the size of a kiwi so it needed to be removed immediately. Deductible is $250.00, and I'm just trying to see the benefits coverage but am having the most difficult time navigating the Nationwide Pet Insurance website; it's as if they do not want us finding out what's covered to utilize our insurance to the fullest. With this operation potentially maxing out my deductible, I have some other Wellness things I want to get taken care of, such as dental, or to see if I can do anal expressions every few months. Any insight on coverage?
Her insurance - Can I fix my car first and then sue the other driver in small claims if they’re dodging their insurance?
About a week ago, I was stopped in traffic when a woman rear-ended me. I won’t go into all the details, but she was a bit evasive at the scene. She did give me her insurance information, though. I only have liability coverage through my own policy, so I filed a third-party claim with hers.
I called her insurance today, and they told me she hasn’t responded to their attempts to get her statement. The evidence is pretty clear - she had a license plate cover on the front of her car, and the text from it literally left an imprint, like a stamp, dead center on the rear bumper of my car.
I really need my car, but my rear bumper is sagging, and I don’t think it’s safe to keep driving it like this. Based on her behavior at the scene and the fact that she’s now ghosting her insurance, I have a strong feeling she’s just going to keep evading responsibility.
Given this, I’m wondering: is it okay if I pay out of pocket to fix my car now and then sue her in California small claims court to recover the cost? If so, what kind of evidence should I gather to make my case? For example, should I ask the auto body shop for a written statement detailing the damage and cost to repair?
Thanks in advance.
Turo - Rental company trying to collect on damage I did not cause
Location: Georgia
I rented a car in canada, but am a US citizen living in Georgia. The rental company (Turo) is claiming damage that I did not cause and wants me to pay. They say if I do not pay they will “send it to collections”. The company does also exist in the US, but since the rental was in canada, do they have any ability to try and collect from me?
Kaiser Permanente - Kaiser Permanente Incorrect Nonpayment Notice : Anyone else been through this?
(Head's up this is a long one)
So, I recently got a letter in the mail saying I had a late payment for my healthcare premium although I've set up auto-pay and only recently got it reinstated in February. After calling customer support last Friday, they explained that after looking at it my old (terminated) account was still showing as active and was registering that I had been delinquent on those payments and that was the reason I had received the late payment notice. They told me I actually owed $0 and it was a system error. So, I went ahead and paid my rent early and put it out of my mind thinking it had been solved. WRONG! I then got a call yesterday saying that actually, "upon reviewing your account" I actually did in fact owe $999 by the end of the month or my account would be terminated. Is that not crazy? Are tIhey really that money hungry? I've filed a complaint with them but other than that, what else can I do? I'm considering just letting my account terminate, backpay for the one prescription I received and just starting new coverage next month but will that reflect poorly on me? I'm just not sure what else to do.
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