My spouse was in a not at fault accident that resulted in being in the hospital for two weeks. Since I had zero info on the other driver and the police report would take awhile I decided to open a claim with my insurance the same day of the accident while I was at the hospital. On the call, which I recorded, my intake adjuster stated they would pack up and ship our personal items from the vehicle and not to worry about it, just focus on the spouse getting better. There is no need to go to the impound lot. Fast forward two weeks and I asked my total loss adjuster where our stuff was and they said they have no notes from the intake adjuster to pack anything up and they'll make a note to do so now. Long story short, they cannot find our stuff nor can they find photos of the third party inspection of the vehicle after two months of back and forth. They said they don't pay for lost personal items and if I want the $1600 in items reimbursed I would need to open a homeowners claim and prove they were in the vehicle. While I understand this may be standard operating procedure, I told them I don't think it's right that we are being punished with a new claim after the intake adjuster failed to take due care and ship our items and how can we prove items were in a vehicle if they told us not to worry about it and no need to go to our vehicle in the impound lot while themselves are unable to find photos. I provided the recorded call and requested a supervisor, now my own insurance won't respond and has ghosted me. Shouldn't my insurance be held responsible if they offered to ship our items and failed to do what they said which sounds like negligence? Should I request this from the at-fault insurance company instead? Would filing a department of insurance complaint do anything? EDIT: TX

My husband and I are currently in the process of selling our home. The new owners are using a USDA loan. The first 4 weeks of the closing process were a breeze. Our home passed appraisal and we were told the buyers got their loan approval. The issues started last Thursday. We were supposed to close this past Friday, however I received a phone call from our realtor explaining that the buyers had not been notified that the needed to submit a copy of their W2. They had to go out on a Thursday night to H&R Block to get this final copy. Everything was submitted to USDA on Friday and we were told by the Title office that we were going to close today. It is now Tuesday and after a stressful weekend, we thought we were going to close today. I received an email from our realtor stating that the USDA system is down and we are having to extend closing once again , but this time they are not setting a date because it is unknown when that system will be back up and running. The title office claims that as soon as we get the approval, we will close but I am starting to get VERY frustrated that we are being lied to. Has anything like this happened to anyone??

Over halfway through pregnancy. Blue Cross Blue Shield of Texas on Monday stopped the majority of my local hospitals from being in network. Was told to fill out a continuation of care and I would be fine. I’ve called BCBS customer service and have received either non-answers, or have been told that since I’m pregnant, the only thing they will cover is my OB’s costs. That means: labwork would be out of network, my hospital/facility fee would be out of network, my child’s care would be out of network once they are born. My OB only delivers at the out of network hospital system. I’ve been trying really hard to find someone that is in network in my area to take me as a new patient due to being so far along. Any insight?

When I call an in-network practice, they usually tell me the next available appointment is in four to six weeks—or that the doctor isn’t taking new patients, it goes without saying all of this is contrary to information updated by my insurance weekly. I push a little or ask about seeing an available doctor, the conversation suddenly shifts to my insurance. As soon as they find out I have a subsidized plan, I sometimes get told they don’t accept it. Is this happening because of recent changes in federal policies, budgets, or staffing? Are providers running into issues processing claims from these plans?

I am.in south jersey and I am looking for a new car insurance i have plymouth rock and they just doubled my car insurance to 400 a month for one car.

I managed two older buildings one built in 1950 and one built in 1900. The company's own them for 13 years and never had a insurance claim. Country financial, which is owned by Farmers I believe, did a risk analysis is dropping 45% of their older homes Are there any companies out there that are easier to cover older rental properties with older rust but still in good condition?

I recently had to cancel my insurance policy within 24 hours, and I was charged a $12 enrollment fee. Dianna, a manager from MetLife Pet Insurance, mentioned that while they will refund the premium, the $12 enrollment fee is non-refundable and isn’t included in the premium. Just a friendly heads-up for fellow pet owners!

I’m confused and need some advice on my current situation. I was involved in a rear end accident, not at fault. Car is drivable with a minor dent in the trunk and paint chipped. The facts: - car is a 2014 Lexus es 350 - The person at fault has Liberty Mutual - initial estimate from their in network shop was $2100 - after they began working on it the supplement charges ended up close to $8700 after being in the shop for about a week and having a rental Today I got a call saying that the car was deemed total loss because cost to repair is over the 75% threshold. I still owe on it the car. What options do I have? Could I take it to another shop to get a lower estimate? There current labor charges were over $5k. I feel like as the victim of this I’m still getting the bad deal by not only losing my drivable car but also potentially paying out of pocket for the gap and rental. What should I do?

I was previously with ManyPets and paid about $64/month for my pet’s insurance. Now that ManyPets has discontinued its US operations, my policy is being transitioned to Odie. However, under this transition I’m forced to pay $71/month for a plan that only offers a $20k annual limit at 90% reimbursement. What makes it worse is that new Odie Direct customers can get a policy for $37/month with a $40k annual limit—but of course, switching to that means starting a new policy (with waiting periods and loss of coverage for pre-existing conditions). I had no say in this change, and I’m feeling like I’m being unfairly charged more for lower benefits. Has anyone else experienced something similar? • Is there any legal angle or consumer protection law that might help contest these changes? • Should I try negotiating further with Odie or consider switching to Odie Direct despite the downsides? • What have your experiences been in situations like this? Any insights, advice, or similar stories would be greatly appreciated!

I recently ran into some medical issues and just got my blood sent in for testing, which my office said they'd run through my insurance. Then today at work my coworker got a call from her doctor saying that her appointment had to be rescheduled or cancelled because her insurance policy came back as having been cancelled. I immediately went to check the status of my insurance and found that it had been "termed" as of a month and a half ago. According to my insurance provider, I have no medical, dental, or vision insurance. My paychecks are still having money pulled for insurance payments and I received no notice of a cancelled plan (checked emails, messages, and physical mail) but when I call my provider they tell me I'm not insured. This is the same for every other coworker I've spoken to this afternoon. I've already reached out to my employer about this and am waiting on a response, but my question is: if my medical bills come back higher because I'm "not insured", am I legally able to make my employer pay for the difference as it's their responsibility to maintain my (and my other coworkers') health insurance?