I am 24, and I got my license at 19. In the past 3 years I have had 3 accidents, 2 of which the car was totaled/not worth repairing. We have Geico, and to renew the plan with me on it they’re charging is about 8k per 6 months, or about 1300 a month. When my dad tried to shop around, the only other company willing to take us on with myself as a driver was Progressive, and when all the details were filled out they wanted to charge us even more. Since I am a member of the household with a license, I have to be on any car insurance plan he gets. We have two other cars, so selling my car wouldn’t impact my dad. I was thinking that after selling my car, I could use the money to pay for ride-sharing. Also: if I turn in my license now and try to renew it next year, will the premiums go down or stay the same?

My five year-old spayed female Pomeranian mix has been insured by Healthy Paws since I got her at eight weeks. They have reimbursed me for the full amount of my coverage within 36 hours every time, no questions asked, and our monthly premium has only increased slightly over the last five years ($40 to $45). However, I have heard a lot of stories about people who have had their monthly premiums with Healthy Paws increase by obscene amounts as their dogs get older. My pup does not have any history of medical issues so far—I am considering switching to something else while she is still young and healthy. Is that a good idea? What would be a better option? Any advice would be appreciated. We live in Los Angeles. Thanks!

I just got car insurance for my new car and I got a letter days later saying they were missing a “signed application” from me. What does that even mean? I then called the customer service line and they put me on hold for an hour so I gave up. This was first acceptance car insurance

Hi everyone, my 77 year old dad is visiting me in May. It's his first time in the US. He has a COPD condition and we recently came to know from his doctor that he needs supplemental oxygen. He had to do a bunch of tests (spirometry, Hypoxic challenge) to qualify for it. The thing is once he is here and it's time To go back, the airline needs him to redo the tests that he's already done. I talked to INF and it looks like they only cover an onset of a pre existing condition. But, this counts as ongoing care. Can anyone recommend an insurance that will be helpful in this case? Thank you so much.

We were rear ended by an uninsured driver. Had to file with our provider which is USAA. Today we got the repair estimate and the car is being deemed a total loss. All it needs is a new rear bumper and an exhaust. Repairs after our deductible are $700ish. Looks like the payment to us is $280. We're freaking out a bit. His car is older. It's a 2010 Foed Escape with 150k miles. We knew it wouldn't be worth much but $280? After searching around in our area, they are going for around $3k. Is there anyway for us to keep it and fix it ourselves? My husband is a mechanic and can get all this fixed for less than $700 easily is there anyway to do this without getting a salvaged title? If not, what are our options with insurance coverage moving forward? We cannot afford to buy another car right now.

In 2024, I received a call from rep at Innovative Partners LP (my first mistake) and the rep was so convincing that I gave my cc to receive healthcare benefits. I was sent an insurance card. Innovative Partners LP partnered with Marpai Health to handle invoices from medical visits. I had 3 medical office visits (1-primary, 2-dermatology and 3-LabCorp for routine blood panel). Of the 3 visits, only dermatology visit was paid. LabCorp has sent my medical visit invoice to collections! I have been doing everything I can to get Marpai Health and Innovative Partners LP to pay their portion of this invoice. I don't know what else to do. I reported both organizations to Better Business Bureau with NO results. I have written to both organizations and nothing. What else can I do to get this LabCorp bill paid by the healthcare coverage? I know I have to pay my portion and I will .... AFTER Innovative & Marpai pay their portion. I even sent my state representatives a letter about this issue and nothing. Since August 2024, Marpai canceled their relationship with Innovative but while I was covered, there was an ongoing relationship. That they terminated their contract with Innovative is not my problem. While I was covered (from Feb to Aug 2024), they were in contractual agreement. I don't want this invoice in collections, I don't want this hanging over me. I want Innovative & Marpai to honor their paid plan benefits / coverage to me. What suggestions do you have that worked for you? Thank you!

I'm 41 and live in New Jersey. I work for a non-profit and make around $35k per year. A few months ago, I saw my GP for a regular check-up and mentioned that, in my job, people often speak confidentially, whisper, or are just low talkers, and I sometimes have trouble understanding them when it seems like there is an expectation that I should not, which can get frustrating. I said that I have not had my hearing tested since I was in grade school like 25 years ago and asked whether that's something that should be checked from time to time. She said sure and wrote me a referral to get a hearing test. So I went to the website for my insurance (Horizon, aka Blue Cross Blue Shield) to search for providers and easily found an audiology office that's tier-1 in my network a few blocks away. I called them, explained that I hadn't had my hearing checked in decades and was looking for a regular test with my doctor's referral, and gave them my insurance information so they could verify that they're in my network. I went for the test, which didn't really tell me much, and later I received the finalized claim notification and was surprised to see that I owe $1,041.85. I argued with the billing department, and then I argued with the insurance company. There are two different issues here, I've been told. First, insurance explained that the medical coding was for a diagnostic hearing test rather than a routine (annual) hearing test. (Obviously, no one ever gave me an option for which type of test I wanted to receive.) An insurance representative talked to the billing department while I was on the phone and was unable to convince them to change their coding; they insisted that they had coded it correctly and that it would be illegal to change it. Insurance doesn't consider it preventive care if it's a diagnostic test, even though their Preventive Health Guidelines document mentions "Doctor will ask about hearing difficulties and refer for further diagnosis" under "Other Recommended Screenings/Tests." When I escalated and spoke with a different insurance representative, she figured out the other issue, which became the main focus: I was billed as a hospital outpatient, not as a visitor to a specialist office. She was not able to change that by working with the billing department and filed an appeal internally with the insurance company on my behalf. About a month later, just the other day, I received a denial of the appeal in the mail. I can still file my own appeal, but I'm not sure how to get a different result. In the meantime, my "payment is overdue," and I'm worried about it going to collections and affecting my credit. The billing department isn't doing anything to hold the timeline even though I've told them repeatedly that I'm arguing with insurance about the bill and had them note it on my file. If I gave the audiology office my insurance up-front, didn't they have an obligation to inform me that the service wouldn't be covered? If I found the provider through my insurance website as in-network, didn't they have an obligation to inform me that the office was considered hospital outpatient and not a specialist practitioner? I should note that I live right by a hospital in a major healthcare city, and many of the facilities throughout the city are under their umbrella. My GP's office is also part of the hospital system. Their name is on the door. I use the same patient portal for my doctor visits as I got this bill through. So why, when my GP is a regular office visit, would this audiology office bill me as a hospital outpatient? I've had health insurance for almost 17 years through my job but only recently started exercising it at all. It's absolutely insane to me that I can be billed an amount like this without anyone letting me know up front that I'm agreeing to pay for a costly service rather than just a co-pay. I'm dealing with some dental stuff right now that's not covered by my plan, and the dentist's office has been extremely clear and forthcoming about costs months in advance. In contrast, this hearing test bill feels like a scam. Does anyone have any recommendations for what I can do from here? Also, does the No Surprises Act help me with this at all?

I was rear ended by a State Farm customer and they have accepted responsibility. I have been extremely nice until now but I am done. I asked about a rental car and told them it didn't have to be a big F150 like I drive and I could get by with something small because I work from home and don't go out much. They said great, go rent something and then file for reimbursement when I get my truck back. Since when am I responsible for renting the car and paying for it up front? They won't give me anything in writing that says they'll reimburse me for a specific daily amount or number of days. The letter says "reasonable cost" which is just way to vague. What's reasonable to me might not be reasonable to them. And I'm not, but what if I wasn't able to rent a car myself because I don't have a credit card or checking account. Side question - if I say I need a truck do they have to cover the cost of renting a truck?

Hello, hurricane damage claim. State Farm. Upon reviewing my latest final estimate, I noticed that it is missing around $34k of damage for items: hazardous material/asbestos removal, water remediation and tree removal. These items have already been included in previous estimates but they are not listed in the most recent one. Two line items are removed completely and the tree removal was deducted from previous demolition line item now showing $500 when it was $9000 (with tree removal) This estimate has increased based on some other items like additional roofing repairs and other things to the tune of about $40k, but with the removal of $34k in line items it only goes a little higher. I am concerned why those items would be removed. I have a call into the adjuster but looking to see if anyone has any ideas. I can’t tell if they took it out to see if we’d notice and playing games or what. Those items have already been paid previously and the roof is complete as well so it doesn’t make sense to me.