I was part of a bulk submission of cards. We insured them for shipping with FedEx for $26,000. FedEx deliver the box but it was kind of damaged. PSA signed for the box then decided that they were gonna refuse delivery and return to sender. PSA just then lost the box. PSA is taking responsibility but offering a low ball replacement value to people. For example, I had vintage cards and I've done the insurance about $200 and they are offering $10 a card. Is there any recourse?

Hi everyone, On March 24, I was hit on the side of my truck from an individual. This was my first ever car accident, and we are in Florida. After he hit me, we pulled over to the side of the road and instantly I had a headache and my neck was hurting. I called the local police and they asked me if anyone needed medical attention. I stated that I had a headache and my neck hurt, but I was able to drive because I was still kind of more in shock and shook up about the incident and didn’t know what to do and wanted to get out of there. Dispatch told me unless somebody needed serious medical attention to just exchange information document the accident and file it with insurance. I got the older gentleman’s information took a video and a few pictures of the crash and left. Since that day, I have been living on ibuprofen because I have one of those annoying little headaches that won’t go away. I tend to go to get some x-rays and all of that done from medical but I was just informed from State Farm that the individual who hit me does not have bodily injury coverage. Unfortunately, I work in construction and build houses and flexibility and mobility are a key to my work. I currently am sitting in my bed and took the day off because it does hurt to rotate my neck and this headache won’t seem to go away. I’m new to all of this and any advice on what I should do next would be greatly appreciated. I really don’t want to have to come out of pocket to get myself back into working condition on something that I didn’t cause in the first place. TIA!

For the past 507 days, I’ve been dealing nonstop with AAA Insurance over my BMW X5 M. In July 2023, my car was repossessed (shit happens), but I got it redeemed in September. When I picked it up from Sacramento, multiple dashboard warning lights were on, and it smelled like something was burning. I later found out the repo guy towed my all-wheel drive vehicle by two tires from Chico to Sacramento — completely destroying the transfer case. These types of cars are supposed to be flat-bedded. I got nowhere with the repo company, so I filed a claim with my insurance (AAA) and brought the car to BMW Pajouh/Courtesy Automotive in Chico. It was in their shop from September 11 to November 3 for repairs. Then in February 2024, it started feeling like my tire was going to fall off. I took it back to BMW Chico and got a rental car from them while they looked at it. A couple days later, Nick, the service advisor (not the same one who helped during the first repair), called and asked what the issues were. I had already told them that when I dropped it off, so I was annoyed. The next day, he called again and said, “Whoever did your transfer case didn’t do it correctly.” I reminded him it was their shop that had done the work, and it had been an insurance repair — so the claim should be reopened. A few weeks went by, then I got a call from the AAA adjuster saying the new estimate was too high and they were going to total the car. I told them I would be getting a second opinion from a specialty European shop. I wasn’t able to take the car there until the following week, but I made sure to notify both BMW Chico and AAA. Then a few days later, I started getting calls and texts from both BMW and CoPart, saying they needed my authorization to tow the car to CoPart (a salvage yard). I told them I hadn’t signed anything and had NOT agreed to the total loss — I was still getting a second opinion. Later that night, I went outside and noticed the BMW rental car was gone from my parking space. I ran upstairs thinking I had left the key fob in the car and it got stolen, but it was still in my purse. My daughter reminded me my spare house keys were in the rental, and they had an AirTag on them. I checked FindMy, and sure enough — it pinged at BMW Chico. I called the dealership, and the front desk guy acted clueless. I told him my AirTag showed the car was there. He suddenly put me on hold. A few minutes later, he came back and transferred me to Michael Mumbus, the director. Mumbus told me they removed the car because they don’t allow loaners past 30 days — but it had only been 29 days, and no one had said a word to me about any rental limit. The next day I went down there to pick up my belongings from the car. I came prepared and was recording everything. Mumbus got heated with me, accused me of “holding the key fob hostage,” and said I owed them $650. I had the key fob with me, ready to return it. Then he hit me with it — “Your BMW is gone. CoPart towed it yesterday.” Blaming AAA for giving the consent. They took my car without any consent or authorization. One of the staff members handed me a printout of the repair documentation. That’s when I found out they had installed a junked transfer case in my vehicle — not remanufactured, not OEM, just a used one from a salvage yard. And my insurance policy clearly included OEM endorsement, meaning it should have been brand new from BMW. That’s when I realized not only had they done a terrible job, they had completely violated my policy. I immediately put a hold on the car at CoPart, telling them they had no legal right to it. That gave me time to start digging deeper. Over the course of the year, I reached out to more than 100 lawyers. Every single one said no. They didn’t want to go up against AAA or BMW — said it wasn’t worth the fight. So I kept pushing. I requested every document from AAA and went through everything line by line. That’s when I noticed a payment made to CoPart for $7,000 in “storage fees” — which made no sense. I filed formal complaints with: • California Department of Insurance • Bureau of Automotive Repair And then — this morning — I got the call. AAA told me they had good news: • I can take my car to any shop that does mechanical work and paint (it was severely oxidized from sitting outside this whole time)— and they’re covering all of it. • They’re paying me $35/day for 507 days of loss of use. • They’re removing the salvage title and returning the clean title back into my name. • And… the car is paid off. DMV will take 3–6 months to process the title, but I can wait. I honestly don’t know how this kind of shit always ends up happening to me, but one thing I know for sure — I never stop fighting. It’s exhausting. It’s stressful. It feels impossible. But I do not give up.

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?

Hi all, I have an employer health insurance plan through my union and apparently a few months ago they had to abruptly change their mental health portion of my insurance plan. I am trying to get a therapist but my therapist says my insurance is not accepted because I am a part of a health concept plan but my employer who handles my insurance says I am not apart of the plan anymore and that I have anthem PPO. I’m in a constant loop of insurance saying one thing and my provider saying the other. The Union who handles my insurance tells me to tell the provider to call them but my provider uses a system to verify coverage. I’m not sure who to call or how to get this resolved. When I called anthem they transferred me to my union. When I called the union they said anthem handles that portion of the plan. I think I’ve been passed along every department now. Any advice would help.

Hi all - I was wondering what the likelihood that my Appeal that I finally sent in will be successful or if I'm just going to continue getting the runaround from United Healthcare. At this stage is it worth doing anything else (or do I have to wait until the Appeal plays out?) Some details... The claim that I filed with United Healthcare had all the correct, relevant, and necessary information including the in-network Tax ID, the Practice’s pertinent information, the doctor’s name, itemized receipts (two – one paid with FSA and one paid with credit card), and other pertinent claim-related information. United Healthcare processed the claim as out-of-network, but the Practice is in network, which made me receive +/- $3,000 less in reimbursement than I should have (due to that money going to an out-of-network deductible). I have called United Healthcare more than 15 times now across 3 months to see what else is needed and to fix the wrongly coded EOB and I’m always told that United Healthcare made a processing error and will fix it – but it never happens months and months later. The EOB erroneously states that this was an out of network event, but everything was in-network, and I have coverage for the procedure on my plan. Once again, every time I have called United Healthcare, they have told me that I’m right, that they are ‘backing out’ of the old claim and will fix it, and every time nothing has been fixed. I just called earlier this week, and the 15th advocate I spoke with (after taking 20 minutes to look over all the times I called and notes) said I was 100% absolutely correct, I should have received an EOB saying it was in-network, and the determination was wrong, but folks keep coding it – inexplicably – as out of network. She encouraged me to appeal....which I just did. Expectations of what may come next? Thank you.

Sold my other car and bought one at the same time, then returned the second car and got a full refund. All of this happened within 7 days of each other. Geico said I can't take off the car I returned, despite it not being in my name, without fully losing coverage which will then cause a lapse in my continuous insurance coverage. They basically said I either keep the car on until I find another one, or fully cancel my policy which puts me in a not-so-great spot. Geico offers non-owner auto insurance, and they couldn't give me a reason they couldnt insure me without a car, only the above "solution".... so if I cancel my policy and try to get a new one, Ill have to pay a down payment again and be subjetc to higher rates because I had a "lapse in coverage". What would you do?

Has anybody been able to buy one or get a quote. I am trying and while insurance companies website mention they exist - I am not able to get a quote and the call center agents are equally clueless. Edit - Geico Licensed Insurance Agent said that they are not issuing any NNO (Named Non Owner) Policy currently. So lets see how easy it is to get one.

I'm a 24 year old male in NE with UnitedHealthcare. I make approximately $82k gross. I've had UHC for a few years now and have always done my yearly preventive checkup, which was always 100% covered until now. I've contacted both my provider and UHC trying to figure out why I'm suddenly being billed. When I check my claims, the labs given were mostly covered by my plan, with small amounts for each service charged to me. * Labs: * 80061 LIPID PANE, * 84439 ASSAY OF FREE THYROXINE, * 80050 GENERAL HEALTH PANEL, * 81001 URINALYSIS AUTO W/SCOPE, * 36415 COLL VENOUS BLD VENIPUNCTURE * If I have to pay my deductible before labs being covered, why are they covering ~77% of my cost anyways? If they're 100% covered, why do I have any deductible? * My insurance says it was coded incorrectly, but my provider says it was correct. * I asked my insurance to compare my previous years' coding to my current claim, and they said it was the exact same thing. CPT and Z codes. * I was given a follow-up call and sent [this pdf](https://www.uhcprovider.com/content/dam/provider/docs/public/policies/comm-medical-drug/preventive-care-services.pdf) which details which codes are considered preventive, and I think I see my labs aren't? But I don't really understand what it all means, and either way it's the same coding as previous years, so why were they covered before but not now? Why cover them partially? * If the guidelines have changed, am I responsible for tracking that and telling my doctor what to do at my yearly checkups? * Is there a super simple explanation for why I'm being charged? Does the insurance have a max payout which the provider over-charged, leaving me to pay the rest? How can I tell? Thanks, this is all very confusing and frustrating to deal with. I don't know much about insurance or anything, but I feel like this is wrong somehow.