I unenrolled from snapshot because it was tracking a majority of instances where I wasn’t the driver. Do you think they will increase my insurance based on the data they have already? It’s only 14 days worth.

Hello all, I am desperately trying to find health insurance coverage for my pregnant wife. She graduated college in December and went from a CNA to an RN with a start date of March 10th. Her HR told her that she would have a new open enrollment and that she could let her coverage lapse and gain new coverage when she started as an RN. This was before we knew she was pregnant and we were going abroad for a while and so we did not renew the insurance for 2025 thinking that we would just start it again in March. We thought that because she was still employed, there wouldn't be a waiting period for when she got her coverage but we found out today that she won't be covered until June. She is due in August so we definitely need tests done before June. We got denied on Pennie for a qualifying event (PA marketplace), short-term policies don't cover pregnancy, and I am under my mom's coverage so I don't have a policy she could come to. Please, if anyone has any insight into this, PLEASE help!

Good morning, So on my way to work I got rear ended at a traffic light and me and the girl who rear ended me pulled over. She apologized profusely saying she assumed I was going to run a red light. We exchanged insurance info and number. She then started texting me begging to not go through the insurance for this and that reason and that she’ll pay me $500 out of pocket if we don’t go through the insurance. I refused and went through the correct route of reporting it to her insurance… but after a couple weeks of waiting, they denied my claim reasoning that I made an unsafe lane change which I didn’t. I did swap lane from left to right and as I was merging the light turned yellow and I eased in on the break to a stop… she assumed I will run the red light which caused the crash. She hit me on the rear end and most of the damage is in the left side of my car… I showed their insurer the texts exchange between me and her… I also reasoned that it’s untrue that I made an “unsafe” lane change because why would the damage to my car be on left side? So I’m wondering what my options are? Thank you for listening!

Hey everyone, I had lemonade pet insurance for around a year but they don’t cover my dogs allergies (pre exist). They also upped my insurance to almost 50 bucks a month, before it was 35. So I dropped them and have been putting money away each week in the stock market in case of an emergency. I have been doing this for almost a year and have around 700 bucks in it now (robinhood). Obviously the stocks are down right now and I’m down 30 bucks but historically they will go up again. Just wondering if anyone else has decided to this instead, it’s nice seeing my money actually being saved rather than throwing it away with pet insurance and things they do not cover. I first got my dog and took him to the vet prior to getting insurance and that’s why they don’t cover his allergy meds. NOTE: always get pet insurance before going to the vet if you choose to get it.

This past Sunday, while watching a movie at a theater, someone ran over brand new my motorcycle in the parking lot. Thankfully the person who did, told an employee and waited for me. He gave me all of his information. I filled a claim with his insurance, The Hartford and am a little worried about it now. Within a day of filing the claim, they have switched the adjuster and the new adjuster told me, “honestly, I don’t know. I’m not going to ghost you…” when I asked for a timeline on them getting back to me. Are they just going to give me the run around?

Currently have State Farm (been with them for 12+ years), and just learned that the defensive driving and good grades no longer available for teen drivers. Just the defensive driving and steer clear. Is that the new norm for insurance companies? Trying to obtain as many discounts for my teen driver that he could be available for. Didn't know if it was time to shop around!?!? ETA: Next best option to shop around to? State Farm was pretty reasonable when I added him, and has been good to work with. Bummed about the news.

I have a somewhat unusual situation. I live in FL and my roof is 18 years old. I have been with Geico for 4 years and I recently got my PMI deleted and when I called the mortgage company they said oh we have this partnership with this broker and could get you a discounted policy. Great, did that, saved about $900 for the year, new policy started mid Jan. I told the broker about the roof and didn’t want to switch until they confirmed it was OK and he said yes. Well I just got a cancellation notice for 4/1 due to some broken shingles so will only be with them for 2.5 months unless I submit repairs. I actually already had a few roofers come out earlier in the year. I contacted them and everyone said the repair vs replacement timeline would be about the same. So, I signed a contract for a replacement and permits were submitted a few days ago. They are going to try to get it done before 4/1 but can’t guarantee it. I submitted my contract to the broker and asked for a 30-60 day extension for the cancellation. Seems to me that it would be better to keep the policy on a brand new roof and not refund me the yearly premium around 4/1 if they can wait a month or 2 but whatever. Here is my question. Should I start contacting other companies now? Do I have to disclose the cancellation notice? Will they take notice to the fact that I was with one company for years and this new company for ~2 months. I don’t have any insurance claims on anything in the past 2 decades and that is a database they can search, correct?

I was referred by my PCP to a physical therapist and was going regularly to appointments where I was only charged a $15 copay. However, after one of my appointments where my PT used a new technique (biofeedback training), my insurance is saying that service is denied and trying to charge me upwards of $400 for this one appointment. My insurance provider is United Healthcare. When I go to their website and try to "estimate cost" of this procedure (code #90912) it says that it should be covered by my $15 copay. However, when I called United to ask why it was denied, they said that there was a form called a PRA that they sent to my provider and it was not returned, so they didn't have enough information and denied it. I was told by the provider, my PT, that she never got this form and I also reached out to the billing department for the medical group, Sutter, to have them try and follow up with insurance or look into it, and was told that they would and I'd hear back within 30-45 days. Now my insurance is saying that, since they denied my first appeal, I only had so long to appeal that and the deadline is approaching. The "patient advocate" told me that either myself or the provider has to write a letter to United Healthcare Escalation center and ask for a secondary appeal, but was super vague on what exactly to say or write. I called back Sutter, since it had taken so long. They said they had 30-45 "business days" to review it, but they'd mark it as highest priority. I don't think I should wait for them, but am unsure what exactly I can say to get United to resend these forms that my provider says she never received. Any guidance?

I have a 401k with my previous employer at Principal. Principal also added $15 into a Roth IRA (unbeknownst to me). This is causing problems. I would like to roll over the 401k into my Traditional IRA at a different financial institution. Principal is charging $50 as a distribution fee. That's fine. However, they are charging an additional $50 distribution fee to rollover the $15 Roth IRA. When I go through the forms to do the rollover, Principal errors out telling me I can't rollover because "You requested a distribution amount that's greater than the maximum amount available." I am feeling very trapped by Principal and these feels extremely shady. Any advice to get through this?

I have an Amex Hilton rewards Diamond membership. I had to spend over 13K to receive certain rewards like a free room. We’re not rich, by any means, it took a long time to build up to a free room. It was my sons birthday so I called the local Hilton to see if we booked a room if we could have small party for him at the pool area and invite a few guests. They were very nice and accommodating and said absolutely and even offered for us to use their fire pit and grill as well. A week later we booked the room and went to the hotel to ask if we could see it to get an idea of sleeping arrangements. They said they couldn’t at the time. Ok, no problem, so we left. The day before our stay we got an email to choose our room and noticed the room wasn’t what I thought it was. Being a Diamond member we’re entitled to free upgrades that are available, and have always been treated kindly about that. Not at this hotel. I called Hilton cust serv line and they said they tried to get the upgrade but sounded like they’d had a problem with the hotel, and advised I try to speak to them myself. They were super nice about it, but I could tell the cs agent was frazzled after speaking with the hotel. I called the hotel and once the front desk accessed my acct and saw the free room, her attitude became awful! I am a calm steady person from years of customer service, so I didn’t feed into her snarky behavior. I felt she was lying about not having an upgraded room avail. So I called and spoke with the GM. I complained to her about the previous convo with her front desk agent and asked that she looked into it. Well, She was worse! She began saying we couldn’t have a party unless all guests were registered to our room and began changing our agreements. I told her it was no problem, we can add them on to our room, there were only a couple of teens coming, so it would’ve worked out ok. Our room could fit 6, and we only had 6 people. But She didn’t offer to do that nor did she ask if we were ok with the room. She just said this is a free room and it sounds like we cannot accommodate you here and that she was cancelling our room. We were 2 hours from the party time. I begged her not to cancel because we had guests meeting us there. She insisted she was doing it, so I told her if she did that, I would call the state attorney general because I never consented to her changing and breaking the contract. By cancelling it, it made me lose my free room. I called Hilton and asked for their district managers number. They said I’d have to call the hotel to get it. So I did and got the nasty GM again. She said because I “threatened legal action, I was banned from the property” and if I step foot there they’d call Georgia patrol. I was absolutely floored! I kept my cool and never said anything for her to go that far. I tried to do everything the correct way… asking to have the party beforehand instead of sneaking people in, tried to see the room beforehand, tried to use my diamond status to work through a misunderstanding instead of raising cane.. etc. There was no reason for her to do that. My son was looking forward to having his friends there for his birthday. I had 3 hours to call parents and make new arrangements. It turned out that the teens just wanted to ride bikes all day and barely would’ve even used the hotel. We didn’t need it after all. But I’d like to have my free room back and be removed from their “do not rent” list. Thinking about it now, I believe they just didn’t want to rent to people who use their free room. What advice would you give me? Should I file the complaint with the state Atty general or let Amex do it? Or something else all together?