I (23, F) had my first pap smear this year and during the exam, the doctor ordered I have labs done as well. He collected my sample, but now I have a bill in the mail because the lab did testing. I am just so confused because I thought this would be covered since it’s part of my preventive annual exam. I am not sure what to do, should I call insurance or the lab who did the testing? Do I call the doctors office? Do I call insurance and ask to appeal? This is my first time navigating this and I’m not quite sure what to do.

Ever since they merged it with the main app, it hasn't worked for me. The tab just says "Something went wrong and we can't display your Drive Safe & Save info right now." How do I get it to work? I just got an email saying I need to complete steps on that tab or else I will lose my discount.

Hi all, Looking for some advice on this situation: I had a motorcycle insurance policy with Hastings Direct while riding on a CBT (A1/A2 licence). A few days ago, I passed my full A licence and phoned them to update my details. They then told me that, due to their underwriting criteria, they can no longer insure me with a full licence — and that the policy would be cancelled from the 18th of July 2025. Shortly after the call, I received an official email confirming the cancellation. It states: “We’re writing to let you know that your bike insurance policy has been cancelled… This is because of the new information provided. Based on these details, it means we can no longer cover you.” However, during the phone call, I specifically asked if I’d need to declare this cancellation to other insurers. The rep told me no, I wouldn’t have to, because it wasn’t cancelled due to anything I did wrong (no missed payments, no claims, no dishonesty). They said it was purely down to a change in licence type and eligibility. I’ve emailed them asking for that in writing to cover myself — but in the meantime: ⸻ My questions are: 1. Do I actually need to declare this as a cancellation when applying for future bike insurance? 2. If I don’t declare it (based on what Hastings told me), can another insurer later void my policy if they find out? 3. Has anyone else experienced something similar? ⸻ I’m trying to avoid getting hit with sky-high premiums over something that wasn’t my fault. Any advice from people in the industry or who’ve been through similar would be much appreciated! I’ll be pretty shocked if I find out I need to declare this going forward as the policy cancellation outcome has been completely out of my control. Simply phoned to let them know I have now passed my MOD2, I wasn’t looking to change my bike or anything else whatsoever and wanted to continue my policy for the time being with my 2011 Honda CBR. Also worth mentioning — Hastings waived any cancellation fees, and I’m getting a refund for the unused portion of the policy. That seems to suggest they don’t consider it a “bad cancellation,” but I want to make sure I’m not risking non-disclosure by trusting what they said on the phone. Thanks in advance.

Has anyone ever heard of a requirement that a wood fence needs to have 5 feet of metal between the house and the fence for homeowner's insurance? State Farm is mandating that we replace 5 feet of our wood fence that is closest to the house with metal for the policy to go through.

I have 2 dogs, 7 and 6 years old. They both have had some issues with lower back pain and suspected arthritis but not diagnosed. I got an email notifying me of my embrace insurance premium going to almost double! Can I switch insurance despite them being this old and having received physical therapy? Or are they pre-existing conditions that will prevent a new insurer from writing a new policy?

This is a bit lengthy, but I would genuinely appreciate help figuring out this (apparently) complex and unusual situation. My car was parked in a spot next to my house when it was damaged by a van. I happen to have video showing the entire thing, and there is no question that the door of the other vehicle caused the damage - police and insurance company have made that determination. Seems simple enough BUT my insurance company is suddenly all flippy floppy over who is at fault. The van, which was disabled, was unloaded from a tow truck. While the owner of the van pushed the vehicle, the tow truck driver steered the van backwards from the bed of the truck into the parking spot next to mine. While he is steering and looking over his shoulder, the van’s driver’s door is open and grinds into the rear side of my car. Both of them pause when the door hits my car, looking at each other like “whoops… let’s pretend that didn’t happen”. Neither of them notice my camera, and they do no leave a note or contact the police. That is super rude and illegal, but not likely relevant to this post. So, Henrico (VA) Police Officer files a report and says the tow truck driver is at fault. I assumed the owner of the van would be responsible, but two friends of mine who are attorneys also believe the tow company is responsible. When I contacted the towing company, they sent someone out who said they weren’t admitting fault, but if the company’s owner reviewed the video and saw that what I told them is indeed what happened, they would prefer to pay out of pocket rather than go through insurance. Not once did they say anything about it possibly being the van owner’s responsibility. My initial communication with my insurance company supported what everyone else said: the towing company is responsible. Their next step was to contact them and get their insurance information. After not hearing back from them for several weeks, I called this afternoon and asked for an update. The first person I spoke with said it looked like my adjuster had only done one thing since my claim was filed: type a note stating the towing company uses the same auto insurance company that I do. She looked through all of the evidence I’d submitted and, after viewing the video, she said she didn’t understand why this had not already been resolved. She then gave me the phone number for my adjuster’s manager. I get ahold of the manager and I asked her to please let me know what’s going on, and if there was at least a new claim against the towing company in motion. She said “I think this needs to go through the van owner’s insurance. The tow company’s insurance isn’t going to pay this claim”. She said she’ll call me when she’s had time to thoroughly review the claim. I would love thoughts from anyone who has worked in auto insurance, has had a similar experience, is a professional or recreational attorney, loves deciphering motor and insurance laws, or is just hella good at navigating these issues. *I’m in Virginia*

I am getting some MRI's done at a outpatient facility and wanted to get an estimate by my insurance on my copay. My insurance asked me to get the NPI /taxid for the radiologist that will be doing the MRI so they can get the best estimate. I have BCBS I contacted the outpatient facility (NJ imaging network), and they gave me an NPI number but thats the NPI nubmer of the facility. I asked for NPI number of the radiologist, but they said that they bill under the facility, not the radiologist. How am I supposed to get an accurate estimate here? Also by "provider" billing I mean physician billing

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

I am in the habit of constantly asking clarifying questions and I ask the same ones over and over again to different people (I call frequently) and I get different answers all the time. I never truly know what's covered or how much it's going to cost. It's so much BS. The medical facilities give me more accurate information than Priority Health does. 3 Priority Health people have told me my son receives unlimited therapy visits because of his diagnosis, but I know that's not true, and I've had only 2 people tell me the correct number of visits he gets for his diagnosis. The pediatric office even knew the correct answer. How is this legal for them to be so wrong all the time? Ughhhhh

My husband lost his job a month after I gave birth and is on unemployment now. I applied for Medicaid and now my son and I are on it. However, we both got a card for some Amerigroup plan which is through Medicaid? My son's pediatrician only takes Medicaid and not this plan but I'm confused. Is this not still Medicaid? And if not, why would we get put on this plan from Medicaid when we never asked to be put on it? Can I reject this and just have us on plain ol Medicaid? Who am I supposed to call to get this fixed? Age: 32, Son is 5 months. State: GA. Estimated income: $30,000 from unemployment. 3 person household I don't understand how this works. Can someone explain it to me like I'm 5 lol.