We recently had to file our first homeowners insurance claim in the 6 years we’ve owned our house. We had a huge storm with 75+ mph winds and torrential rains, tornadoes etc. We randomly had the wood paneling in our living room (interior wall, other side is a bedroom) sustain water damage. It was wet and mushy and all warped. We want it fixed because we don’t want mold growing etc. roof is 4 years old so we aren’t sure how water got in. We also need a professional to figure out how this happened. Anyway, State Farm says it’s covered under our policy. We have a $3,000 deductible. They said they deduct the deductible from the money they send us for the repairs. We don’t pay it up front. (We are waiting for a callback from the contractor they helped us find). To me that sounds like if it’s going to cost $6,000 to fix they take off $3k and we only get $3k. My husband thinks we get the full amount for the repairs which makes no sense to me. State farm has to pay themselves the deductible. We had a total loss on a car last year and they took the deductible out of that and we got less money back for our payment. So that’s why I think we aren’t going to get the full amount (which is not going to be helpful we don’t have a ton of money right now). So anyone know who’s right?

Greetings everyone. I do but know where to go for help in this. I tried the court but that was useless. There is only one lawyer near us that takes our MetLife legal card. So my dad died augusts 2022. The estate is worth close to a million and there was no will. I tried to qualify as the administrator, but since I had to be bonded, my credit held me back, so my brother was able to qualify. Since then, he has done nothing. Two plots of land were sold for 300,000. It was sold for less than it was worth, but it was too family, and that was important to my dad. No personal items have been sold. There homes are in the country and the homes are full of mice that I’m sure have eaten everything! The cars have been sitting, uncovered the four wheelers the Farm equipment, all of it sitting and rusting. There is a double wide that’s about 15 years old and sits on a gorgeous lot and a three bedroom brick ranch that is still waiting to be sold and all of the personal effects but I cannot get my brother to do anything. He will not return a phone call or a text message. When we try to contact the court, they were of no help we don’t know what to do who returned to or what our rights are and trying to read online. It’s like it’s written in another language. I know this is a long Post, and if anybody has time to give us an idea of how to move forward from here what we can do it would be so appreciated. We are in Virginia if that makes a difference at all thank you in advance so so much.

I’ve used Embrace for over 11 years for my 4 pound chihuahua. Overall, it was a great experience. Dog is mostly healthy, has had 2 knee surgeries, but that’s it. I have cap on amount 15k per year, and an affordable deductible….until now. Just got notice today that they are upping my premiums 107% per month next year bc reasons?!?!? It’s now a small mortgage w/o explanation or justification. Has this been happening to anyone else? Is this increase legal? Is there anything that can be done about it? Insurance sucks in general, but seems extremely predatory to take my free money all these years, just f me when my boy, who could easily live to be 20, gets older. Almost begging me to cancel the policy.

Hey everyone! HOME HEALTH NURSES/WORKERS INPUT NEEDED So I haven’t been offered the job yet but I have a second round (!!!) interview on Monday :) this job requires a lot of driving, with mileage reimbursement. They said I would sometimes have to drive patients to and from doctors appointments and/or school (I’m a nurse, I would be a field case manager) and I’m just curious if any of you have been in this scenario. For car insurance do/did you apply for ride share option just in case? I am debating switching ins. companies anywho, my quote from Progressive is really high.. apparently in my state (NJ) they hiked it up just in general and a few months ago I got into an accident that I’m 100% not at fault for.

So about a month ago, I took my dog in for her routine dental cleaning. While she was under anesthetic, the vet discovered that she had gotten a stick that was wedged right across the roof of your mouth and had punctured her gums on both sides, requiring 2 of her premolars to be extracted. I filed a claim but it was denied because years ago (all the way back in 2019) there was a record of some peridontal disease at a completely different vet. Trupanion is saying they won't cover this latest incident because of that prior history, even though I've been with Trupanion since I got my pupper. Is it even worth the effort to try appealing this? I just feel like the damage to her teeth was not really caused by periodontal disease, it was more of a freak accident because she chewed a stick.

My primary care provider is a PA with a family practice. I have seen her many times and paid just my office copay. My last visit was billed as a specialist visit and is requiring the specialist copay. My insurance is saying that they consider PA's to be specialists so are billed accordingly but could not explain why every other visit was billed as an office visit. On their provider directory her copay is listed as the office visit one. I confirmed with my doctor's billing department that they did not bill it any differently so it should not require the specialist copay. I've spent days calling my insurance but every time they "review" the claim they come up with the same answer. Any ideas on how I can get this fixed?

I currently have Progressive but they just jacked up rates without even a "hey we are going to raise your premium from next month". Erie Insurance is highly recommended but they seem to have strict criteria such as 3 year residency status (which is what an agent told me) hence am looking for other options. I am looking for good customer service - does not give you the run around when you need them. Decent prices. I am not looking for the lowest rates but at the same time something that is fair. And transparent. I kinda feel cheated by Progressive who slyly raised the rates. Am based in PA if that matters. Any suggestions welcome. Thank you.

Earlier this year, I was involved in an accident where I was side swiped by a gardener truck. I was on a residential street and slowed down to look for parking. The gardener truck was behind me but decided to pass me, and when I drove forward a little to park further up, the truck merged back into my lane and struck my car with the equipment hanging off its trunk. They sustained no damages while my drivers side window shattered, mirror broke off, and fender/door sustained damages. Around 2 months ago, we received a letter from their insurance saying they assessed 55% negligence on their insured driver and 45% on me. They were also willing to pay for 55% of my damages. My insurance decided to take them to arbitration. During this time I received 2 letters from my representative. The first said that while the other insurance company has accepted full responsibility for the accident, they have not been able to reach a settlement for damages paid. I then received a second letter a month later saying that the arbitrator has ruled in favor of the other party. This seemed like a complete 180. I was shocked to learn of their final decision and emailed my representative asking if any of my $1,000 deductible would be recovered. She said no and sent me a copy of the arbitration decision which stated the following duties breached on my end: vehicle failed to keep appropriate lookout and they failed to maintain safe parking maneuvering. Is there anything I can do at this point? I know the arbitration decision is binding and final but I am honestly just stunned, especially because it felt like the truck failed to safely pass my car. I spoke with my insurance and they said my premium will most likely double. Is this fair?

I booked a flight from LAX to Hanoi through Priceline, flying with Cathay Pacific and transiting through Hong Kong. I had a valid visa for Vietnam, but I was denied boarding because my layover in Hong Kong was 12 hours and 25 minutes, just over the 12-hour limit for visa-free transit. This wasn’t disclosed at the time of booking, and when I asked for help at the airport, Cathay Pacific’s staff couldn’t assist me—they just told me to call their scheduling department. When I called, they initially quoted me $800 to reschedule to a later flight (11 PM), which I agreed to. After a long hold, I asked if I could take the 10 PM flight instead, and they said it would cost another $700. Frustrated but wanting to get there at the same time as my wife, I agreed. They put me on hold again, and then told me they couldn’t book it because it was too last-minute. Suddenly, the only option left was a $4,000 ticket, which I declined. Instead, they promised me a rebooking for the next day that would still arrive on Monday, which was essential for my plans. I agreed. When they finally called back, they had booked me on a flight arriving Tuesday, not Monday—not what I agreed to. And by that time, they had already charged my card. Now, I’ve lost: • My original $900 ticket (Priceline) • The $800 + $700 for rebooking • A $60 cancellation fee • They even charged me toll fees for the call I feel like I was misled, overcharged, and given incorrect information multiple times. Priceline and Cathay Pacific never warned me about the 12-hour transit rule, and Cathay Pacific kept changing the price and booking me on a flight I didn’t agree to. What are my options to get my money back? Can I dispute the charges? Do I have any legal recourse?