I got into a car accident almost a year ago. The person I got into the accident with was insured by State Farm, the accident was in late May, she opened the policy at the beginning of May. At the time of the accident when I called State Farm to attempt to file a claim with their party’s insurance, I was told they couldn’t find the policy in the system. Upon following up numerous times State Farm ultimately denied coverage and I had to open a claim with my insurance. I was not at fault if that matters… My vehicle was totaled out, I paid my deductible and bought a new car with the check issued by my insurance. My insurance was unable to recover my deductible from the driver or State Farm and ultimately sent the file to collections. After the file was sent to collections they were able to recover the deductible, however are unable to tell me who made the payment. Fast forward a year later I get a call from State Farm regarding the accident. Apparently the driver was covered at the time, and they’re offering a settlement. I called my insurance to inquire if they knew the driver was covered and they sent over a copy of State Farm’s written statement denying coverage… accept the person listen under “Our Insured:” doesn’t match the name of the driver which is the same name on the policy information. My question is, I already signed the release for the settlement but this something worth following up on? I spoke to State Farm to ensure the party was actually covered and they confirmed she was. Or should I just wait for payment and let it be?

I’ve been paying about 80 a month liability only on one car, added another now it’s 255 this month and 155 from here on out. For context I’m a 24 year old male in NM. I’ve had a good amount of traffic tickets idk how negatively that’s impacting my rates. I have progressive. I always hear about people paying way less than me for liability or the same as I pay for liability they get full coverage for that price. I’d like full coverage but the price would be a lot, if I’m gonna have liability only I’d like it to be nice and cheap. Am I doomed to high prices being a 24 y/o with traffic tickets? Where can I get it cheaper? You always see those insurance commercials claiming super low rates online but I don’t even waste my time figuring it’s bs. I haven’t shopped around in a long time is it worth it to now? Or even better than shopping around, maybe someone here can tell me where and how to get it much cheaper.

Trying to help my mil with her home insurance in FL. No prior claims and no flood zone. She contacted an agent who gave her a cheaper quote through citizens. We find out 6 weeks later there is still no policy. We call on her behalf and get a bunch excuses about internet glitches or something. Called citizens and they didn’t even have a record of the application. In the meantime coverage has lapsed and the mortgage company I guess has already bought its own policy. Finally last week the agent submitted a new application and just got a notice that it was denied for missing required documentation. Obviously we are contacting a different agent referred by a friend asap. But like wth? This can’t be normal right? What else should/can we be doing? Obviously this is very stressful for her going into hurricane season without a policy.

I noticed on my renewal for my auto policy with Progressive that I was listed in tier 3M. Google told me this is a high risk tier, but I have been driving for many years, have a clean driving record, and no claims. I am, based on my driving record and insurance history, a low risk driver. Is this a high risk tier? Does anyone know how these tiers are assigned? If I am incorrectly assigned to the wrong tier, how do I fix that?

Hi all, Hoping someone here can help me make sense of this or share advice on next steps. I recently had a BRCA genetic test done through Labcorp. Before the test, I received an estimate of $43.17 and got pre-authorization from Anthem. Everything looked good, so I went ahead. Now I’ve received an EOB from Anthem denying the claim. They say I’ve reached my “once per lifetime” limit for BRCA testing—and they’re expecting me to pay $3,000 out-of-pocket. I called Anthem, and they said the correct CPT codes were used and the denial is based solely on the lifetime limit. But I have never had BRCA testing before. It’s my first time. Anthem is now reviewing the case, but I’m trying to understand what might have gone wrong. My theory is that their system may have logged the pre-authorization itself as a completed test, and when the actual test was billed, it triggered the “second” test denial. Has anyone seen something like this happen? Thanks in advance!

Carvana Location: New York I’ve had my Subaru from Carvana since 2023. I recently (3 weeks ago) bought a truck on Carvana. Three days ago I was pulled over in my Subaru and the cop told me the plates were registered to my truck. He gave me 2 tickets. I have been unable to drive because Carvana still has not fixed this. My digital glove box on Carvana has all my truck information. I can’t drive the Subaru because they totally unregistered it. The truck is my brothers. Carvana says they have no idea what happened on their end. They told me they have no idea when it will be resolved. I live in the

I got a much better quote from New York life insurance for a life policy then my current State farm policy. It's my busy season of work and I was hoping to be able to docusign or just cancel over the phone. I was told I need a wet signature which means I'll have to take off a day or half off work. Part of me wants to just cancel my auto and home policies as well with them over this. Are they just being difficult with me or is this standard with State farm?

Long story short. February 12th, Progressive sent me an email saying if I don’t pay the minimum that on the 28th they would cancel my insurance BUT on February 14, they sent an email saying that they had already canceled my policy on the 3rd… They still want me to pay a full month’s bill for insurance I had for only 2 days. HECK NO. I had been fighting a case to get money back for a certain reason & they assured me that everything would work out. Apparently whoever was looking into my case, denied it (okay fine… sure) & then for some bizarre reason took it upon themselves to believe that because it was denied I wouldn’t want insurance anymore? So they canceled it themselves. Yes, I was on the phone with them about 3hrs. They all said there’s nothing that can be done but that an agent shouldn’t have the power to cancel one’s policy. If I don’t pay, it goes to collections. So why did he? How do I fight this? Please help. Thank you in advance <3

I'm in a little bit of a conundrum. I have both a Roth IRA and an Individual Brokerage Account with Charles Schwab. I also had a retirement account worth $15,000 including a Roth 401k with John Hancock, but then I changed jobs. I decided to roll the money from John Hancock over to Charles Schwab to make things more simple by having everything with the same institution. They said they would send me two checks made out to Charles Schwab. I looked today at my John Hancock account and it now says my balance is $0, so I'm guessing they have issued the checks. John Hancock said there will not be a 20% tax because it is a rollover. However, I called Schwab and they said there would be a 20% tax. I kept asking questions about it, but the gentleman said to consult a tax specialist. I don't have a tax specialist and I'm not trying to spend a lot of money to consult one. Also, Charles Schwab said the checks need to be for the exact amount going into the Roth, and the exact amount going into the Individual Brokerage Account. I never gave those numbers to John Hancock. What would you guys do in this situation? I really don't want to lose $3,000 due to taxes if I can avoid it. Also, can I trust Charles Schwab to give me the best advice for me here since they have a personal interest in getting the money into their bank?

Navy federal stated the card info was put in inaccurately but I confirmed it 3 times. Anyone ever been through this ? Do I really have to wait for a check in the mail now or can I just retry it after they open tomorrow?