yesterday morning i got into a fender bender. i was waiting at a red light on a 3 lane road. left lane is a left turn/u-turn lane. middle lane (the one i’m in) is a straight only lane. right lane is a right turn only lane. the light turns green (i’m first in line at this light), and i slowly start accelerating (i have become a very defensive driver because the city i live is filled with actual idiot drivers, so i never take off at an intersection for fear of someone running the red and t-boning me) to cross the intersection. all of a sudden, a car is in front of me and hits the front right of my car with the front left/side of their car. she was in the right lane and made a u turn from there (or was trying to). i feel like it’s pretty straight forward that moving to the left in capacity from a right turn only lane puts her at fault, but i don’t know how this all works. i recently turned 24 so my insurance is still a bit high, and im waiting until 25 to get comprehensive collision when it’s more affordable for me. so, i’ve had to file through their claims, bristol west. i didn’t call the police for this accident; i was rear ended really horribly two years ago in this same town and it took 2+ hours for a cop to arrive. i have a large event happening at work this week and i legitimately didn’t have the time to spare to wait for an officer to show up. neither of us were hurt, and the damage isn’t too horrible (from what i can tell) so i couldn’t risk missing my morning at work. i know this isn’t great as a police report would help with the story, but i can’t change the past. does anyone have any experience with this? the girl who hit me was very apologetic to my face, but im worried that her story/her insurance (known for high-risk drivers) will try to swindle me and i don’t have my own collision insurance. does this seem straight forward enough or am i in for a headache? thank you for your help, advice, and guidance. edit: would it be worth it to go on my cities FB page and ask if there were any witnesses? it’s a pretty common intersection and my city is relatively small. also, should i contact the police department to see if there is intersection footage? i just want to be as prepared as possible since i don’t have any dashcam footage. thanks

I’ve received a series of new and confusing EOBs denying claims I usually had had no problem getting approved quickly before. Pets Best informed me on the phone that they have a new automated system that some claims get filtered into that is causing some claims to be incorrectly denied. Wanted to update and post here because their customer service truly is so helpful and kind, and if you call them they will fix your issues by flagging your denials for manual review.

Hello people, I am a bit of a pickle right now :( I have been trying to cancel my Pets Best subscription/insurance for a good few days with no luck, the main reason why is because their prices have got up by a lot, and it simply isn’t in my budget atm, plus (knock on wood), my two cats are perfectly healthy besides the usual meowing because they aren’t allowed to eat every 5 mins. I have called them so many times but I have been put on hold for 25-30 mins. It is really frustrating because I am worried they will charge me despite low funds in my account, making my account go into the negatives. And of course, me not wanting to pay 59 bucks a month when it was originally 47 bucks a month when I first joined almost 2 years ago. If anyone has any advice, please share.

Two days ago, I had an online chat with a Geico representative about updating the odometer readings for the two cars on my policy. The chat was short and sweet and went smoothly. Today, I saw a mysterious credit card refund from Geico and logged in to find out that Geico had cancelled my auto-policy on the day I had the online chat. I called Geico just now and was told my policy was cancelled because "I called them to say I had another insurance" which is rather odd. I asked the agent to check the chat log/history to verify that no such conversation happened, but he said he does not have access and would have his supervisor (who can access chats) call me later in day. I am still waiting for this call. **What are my rights here?** Geico -- without notice -- put me and my spouse at unnecessary risk for two days as we have been driving uninsured without our knowledge. Is there anything I can do or ask for?

I got an email for my claim today saying my cat showed signs for diabetes at her exam in sept (I posted a pic of the exam notes on left and the email from embrace today on right). I don’t see anywhere it says she had diabetes. She was throwing up, but vet never said she showed signs of diabetes. My cat became diabetic late Jan, early Feb and is already in remission. Should I fight this (get a note from the vet)? Has anyone heard of successful stories?

I started getting calls asking if I am accepting new patients. I just said, I am sorry but you have the wrong number. After the fourth call I asked who they were trying to reach. I was told the name of the doctors office and read the number to me. It is my personal number and I have had it for 22 years. I went onto Blue Cross Blue Shield site and looked up the office and it does show my number. I contacted BCBS and they told me that they looked it up online and it is a different number listed there but they cannot do anything. She then told me to call the office and see if I could get them to change it in the providers portal. No one is returning my calls from this office, so no help there. I can't not answer my phone as I use it for my business. Any suggestions or insights would be greatly appreciated.

Hi, yes a throwaway account cuz im a bit nervous So starting a few weeks after changing insurance providers, the pharmacy accidentally (?) put some meds on the wrong insurance(multiple times tbh, and the last one was over 6 weeks after the insurance had been stopped?!) . i get a notice maybe a month later saying i owe them quite a large sum of money. I go back and forth for about half a year before i was able to get a check from my new insurance to cover it. It isnt even the whole amount, but it helps. Now im so frustrated w the old insurance for putting us thru so much hassle. I tried to do a payout w them for like half the amount for all the trouble and after their review, they denied that request. But what if i were to let it go to collections and then do a lump sum payout with them? Any ideas how badly that would affect my credit? Im floating typically around 800 so i have decent credit. Or does medica debt even count towards credit score? I feel like i cant find a solid answer to that…im in the midwest usa for reference. Or even, what am i mot considering by doing this? I could def use the extra money, this whole situation was not my intention. It was rly super stressful tbh. Thoughts? Thanks everyone in advance! Any suggestions advice etc welcome.

Ok, this is absolutely insane to me but coming here to see if anyone has any advice or thinks I'm overreacting. My dog's TLDR background: * almost 2 years old, GSD mix with cattle dog, pit, husky * has been exhibiting some intense anxiety (can't take him on walks) and sensitivity to noises (these send him into a panic) * our trainer noticed he had a head tremor when he was about 5 months old, but my husband and I never noticed it, neither did our first two vets. Our current vet noticed it + an eye tremor about two months ago and recommended we see a neurologist and get an MRI * Thankfully the MRI showed a normal brain but it did show an inner ear infection The MRI was almost $5k. I submitted it to Embrace and they DENIED it because they are saying his inner ear infection is related to his itchy skin that he had when we rescued him at 6 weeks old, and therefore falls under his pre-existing condition. The MRI wasn't to identify the ear infection, that's just something that happened to show up. The MRI was for his brain health to see if we could determine why his behavior has gotten so anxious and he's started showing aggression. I've included screenshots of their "reasoning" and it seems absolutely crazy to me. Has anyone experienced something similar or have advice on how to proceed?

Are there any insurances that cover dental only? I’m currently with Healthy Paws, & while they are getting more expensive for now it works for us because of the unlimited payout if we need it. But last year he had a cleaning and extractions that ended up being over $2000 when all was said and done, and if he needs more this year I’m hoping to have some coverage. TIA!

I’m 23, no accident or tickets at all currently driving a 2021 Mazda3 hatchback, no loan on the car. Currently paying 362 a month for full coverage with USAA and live in Florida. Should I look elsewhere for insurance? I’ve been with USAA 5 years now and I’m starting to think I’m over paying.