I have $2500 in pip coverage and over $30k in medical bills. I’ve only gotten $900 in pip coverage. My lawyer said that is the offer from progressive. Why would I not get the full pip amount? I’ve also lost over $30k in income but my attorney won’t submit income loss.

hi all. i have been a silent observer of the subreddit out of curiosity due to me and my partner recently adopting a kitty. We got him on a trupanion plan via chewy pretty quickly after we got him because we thought it was the financially responsible thing to do for him. When we got him, he had a bit of a URI and we thought it would resolve on its own. However, with no improvement being shown after having him for a little over a month we took him into the vet. Unbeknownst to us we were still within our waiting period for our insurance to kick in. We didn’t think it would be a big deal, we knew we’d have to cover this visit out-of-pocket. However, our vet noted during that visit (though unrelated to the cause of the visit) that our boy had some pretty noticeable gingivitis going on. After an extensive amount of anxiety on my end, I had my partner check in with our insurance. I had a terrible feeling about his coverage. now, after being three days short of our waiting period being over, gingivitis is now on his list of pre-existing conditions. We pay extra for dental coverage through Trupanion and now I am absolutely spiraling that we won’t ever be able to get any of his emergency teeth concerns covered. i was the one who pushed to take him in, i was so worried about his URI. and now i just feel incredible guilt. we insurance to make sure he would be taken care of within our means, and i feel like we failed him. all i can see is racking up dollar signs for his upcoming dental appointment we scheduled after hearing about his teeth from our vet. i don’t know if i’m looking for advice or comfort, but i just wanted to know what y’all thought.

Santander Consumer sold the debt to Jefferson Capital, and it was removed from my credit report. Why is Santander still on my credit report and not removed as well? Btw Santander is a charge off account

My BCBS refused to pay any of my blood work. I was referred by my doctor to go to a specialist to get blood work done, over 6 months ago. Now I got this bill in the mail from Quest and found my EOB. They coded it 002 as “we do not cover experimental or investigational procedures” Ok…isn’t the entire point of blood work to investigate? Anyway, should I call my insurance or the specialist to appeal the bill? Any advice? This has never happened to me before. Thank you!

Today I bit the bullet and got Embrace. My mom has spot for her animals but only accident and illness. I chose embrace because it was a little better financially and would cover wellness exams. I wanted to see everyone’s opinions on different insurances. I get the impression that many don’t like embrace which is a little worrying to be honest, but I’m going to wait and see how I like them after I get my dogs anual done. She’s older and I just wanted her to be covered by something before I bring her in. Seeing that most if not all of the insurances will not cover anything preexisting. I did ask about a preexisting condition in my dog (torn ACLs) and if it would be covered since that hasn’t been an issue for years. The lady I talked to said that since it has been an issue in over 12 months it would be fine, which I found pretty surprising tbh. She explained it like - if your dog had a belly ache 3 years ago and it came back that’s something they’d cover. But if it was a chronic thing before you started insurance then no.

We have a storm damage claim in since June 20th, adjuster came out July 2nd, he sent an estimate and a payment (which we have not yet accepted) on the 3rd. We’ve been trying to get in touch with him since the 7th to no avail (voicemail says he’ll call back within one business day). What’s my next move?

I currently have Healthy Paws for my 4 year old (soon to be 5) dog. She has been with them since Dec of 2023, - almost 2 years - and my premiums have increased twice so far (once after the first year and then once again because I moved and I've never hit my deductible yet). My policy covers 80% with an unlimited payout and a $500 deductible. I currently pay $73 monthly but when I first got my policy it was \~$58. I see a lot of posts on this forum about the premium increases from HP and it makes me nervous for the future, especially when dogs are hitting 10 and premiums are sky rocketing to unaffordable rates. My question: if you have an elder pet, what insurance do you have, how long have you been with them, what is your policy and how much do you pay? I've found HP easy to deal with and I like having an unlimited policy, but the premium increases make me nervous. What insurance company has comparable policies that don't sky rocket their premiums as your pet gets older?

August 2017: $60.12 August 2019: $66.28 to $77.07 August 2020: $69.88 to $104.82 (50% increase) August 2021: $104.82 to $154.99 (48% increase) August 2022: $154.99 to $191.33 (23% increase) August 2023: $191.33 to $229.59 (20% increase) August 2024: $229.59 to $287.03 (25% increase) August 2025: $287.03 to $828.97 (189% increase)

So, I bought a car (my first ever car beside what was passed down to me) in Dec 2024, mind you I'm not a very materialistic guy when it comes to cars, so year did not mean much to me. The reason I bought the car was that my 74 chevy deluxe gave out and I needed a car asap for work. I am 24, My credit score at the time was a 686 and is slowly going higher. With no cosigner, my age, credit and job that makes me 40k yearly I figured APR would be a bit high but not this high especially for the car I received. Now for the car loan info:2007 corolla 56k miles at $11k Total car loan was I believe 20k for the 72 months The interest rate is 24.10% (prior to signing anything the salesmen stated it was only 12%, I should have read more but I was over the lengthy session, Lesson learned sadly) The loan is through AmericanCreditAcceptance. Anything with American, I know I am being screwed potentially. As the guy was shining through my foolishness, he stated I could have refinanced withing 4-6 mths after purchase if i wanted to but fear of looking more foolish is preventing me to do so. Should I be looking to refinance, and if so, how do I go about doing that? [A](https://www.reddit.com/r/personalfinance/?f=flair_name%3A%22Auto%22)

Can anyone give me tips on how my Ucare/DentaQuest can cover my teenagers braces because she has a very wide noticeable gap on her teeth from the fact that she was born with an extra tooth and had to get it removed and rarely smiles with her teeth anymore. She’s done 2 orthodontic evaluations for them and they keep denying her but she really does need them and that’s all she’s asking for her birthday this month but they keep telling me she needs a medical reason or doesn’t fit the certain conditions they approve but I can’t afford to pay them out of pocket.