I looked online for a quote for pet insurance and the people at RSPCA have called twice already trying to get me as a customer and when I say no because I wanna look around at other options… they ask if I wanna sign up until I change my mind and then cancel So annoying Does this happen to anyone else ?

Hey! I have a question. I reside in Tallahassee, Florida. I have one car here (2025 Toyota Corolla) and a car in Miami (2005 Toyota Camry). I informed Geico that the Camry is in Miami, and my sister is the primary driver. Geico informed me yesterday that they will drop the car from my insurance because they think that it’s her car (it’s my car in my name). They told me I needed the registration that shows the car is mine, and it needs to show the address where I’m at, which is the mailing address in Tallahassee (I go between Tallahassee and Miami). Anyone has been through this? Please advise.

I have BCBS Horizon of NJ PPO. It’s my dad’s plan thru his work at a large sales company that has no religious affiliation. He’s worked there only a few years definitely after 2019. His job is in NC, I’m a MD resident. Currently battling insurance for a bilateral salpingectomy which is a form of permanent contraceptive and falls under preventive care and the ACA. My plan offers preventive care 100% covered in network. My insurance is telling me it’s covered at 80% after my deductible is met ($1200). One rep even told me my plan must not be aca compliant then. I looked into that and BCBS NJ horizon has not offered a non aca compliant plan since 2013. This rep is flat out lying, right? Well she gets a supervisor involved and he can’t confidently say whether my plan is aca compliant or not. It covers birth control 100% (I currently am on a 100% covered by them birth control). I think they may be looking it up as an outpatient surgery and not as preventative care. How do I tell them to look at it from preventative care and not outpatient surgery? Is it even possible for my plan to not be aca compliant? I’m currently in communication with an hr person from my dad’s company. She hasn’t gotten back to me yet and I really want to sleep tonight. My surgery is March 27th and I really can’t afford for it to not be 100% covered. Please help 🙏 💜

I have a long winded question. I want to preface this by saying I am not into fraud. I am a public employee and can’t have any issues related to that. 3 years ago we had a bad hail storm in the Chicago area. We have a close friend who is an adjuster for a roofing company. We coach our kids together and he tells me “hey do you want a new roof?” He tells me everyone is getting approved after the bad hail storm. I have zero experience with this so I said “of course.” I figured that’s why I pay insurance and this guy said it so non-chalantly so I agreed to it. He comes over, looks at the roof and submits a claim. A week or two later he tells me that our insurance denied a new roof and only said they would cover $1,000 in repairs. In my mind it’s a win since we get repairs done. Fast forward a year later and we have another hail storm. Our friend says to me “this time you will definitely get a new roof.” Again, we have no idea this is an issue. He looks at our roof and submits a claim. A week later we get a call from our agent and they tell us they are likely going to drop us. This is where my wife and I panic and wonder “what the hell is going on?” We get the insurance to stop the claim and somehow they do stop it and we don’t get dropped and don’t get the repairs done. So far no issues but still we are very worried about it. Since then we have had a few roofing companies out and the prices are crazy. Like 12k just to repair and 25k to replace the whole roof. My question is this: Would you recommend that we replace the roof on our dime? We have the money to do it. This is what I’m leaning towards but what happens if we have a really bad storm with significant damage? Does State Farm drop us but still have to pay for the damages or replacement? I don’t want to replace the roof, have significant damage, and then State Farm says nope you’re dropped and we aren’t paying? OR, should I switch insurance companies before any work and then replace my roof anyway to lower the premium cost with a new insurance company? Insurance prices are ridiculous right now but state farm is still lower than any other insurance company I have had quotes from. Thank you for any advice you can provide. Edit: I agree with all the comments that the guy screwed me. I am aware that the claims follow me. I need to find an honest person who can tell me if I really need a roof replacement. If not, I’m willing to ride it out until I do actually need a replacement. The thought of doing it now came because in 5 years we will have 2 in college and one in high school. We figured we would take the expense now rather than in a few years when money is a bit tighter. Still unsure of what we will do. I don’t think I need a new roof immediately but I know it will be in the next 5-10 years.

Hello, So last year I got bit by a stray dog and had to go get my rabies shot. I went to urgent care first where they told me to go to the ED (nonprofit) down the road to get the shots. I went to the ED, got the shots, and went on my merry way. I got a bill yesterday for the shots where my insurance (TriWest as a dependent) paid for $25,000 of the $28,000 and the hospital left the $3,000 balance to me. Is there any way I can find out if the hospital gives assistance? I’m a college student and I can’t afford such a high bill with every other bill I have so I just want to pick your brain on ways I could possibly reduce this. I am in Texas, and I currently have no income. Thank you!

I was paying my mortgage online, noticed that mortgage paid my hazard insurance at $4860, when I was paying like $2800 prior year, called agent and asked Wtf, 10 days later he got it to 3800/yr, cars at Geico because best rate, Went to GEICO for homeowners and bundled with my car insurance now $2,680. Also GEICO takes 10minutes to get a quote.

Two weeks ago, I got rear-ended by a commercial truck owned by a logistics company, X. I originally filed the claim through their insurance company, Y (as listed on the driver information exchange). A few days later, insurance company Y told me that company X would cover the accident and gave me a claim number with X. I can only get in touch with X by email (which has very slow correspondence), and their phone line is always busy. After I sent them all the information they requested, the only response I got was that they are "reviewing" the case and will discuss it after that—without mentioning how long it will take. Since they are not an insurance company, I assume they don’t handle claims in the standard way. Now it's been more than two weeks, and I still have no idea how they plan to address this. Are there any legal requirements for how soon they need to respond and resolve the issue? (I do not want to go through my own insurance and pay out of pocket.) What actions can I take to push them to make progress on this? Any suggestions or advice would be greatly appreciated!!!!

My five year-old spayed female Pomeranian mix has been insured by Healthy Paws since I got her at eight weeks. They have reimbursed me for the full amount of my coverage within 36 hours every time, no questions asked, and our monthly premium has only increased slightly over the last five years ($40 to $45). However, I have heard a lot of stories about people who have had their monthly premiums with Healthy Paws increase by obscene amounts as their dogs get older. My pup does not have any history of medical issues so far—I am considering switching to something else while she is still young and healthy. Is that a good idea? What would be a better option? Any advice would be appreciated. We live in Los Angeles. Thanks!

My Dr wants to enroll me in a weight loss support group program. I have a high deductible plan with UHC so I will essentially be paying out of pocket until I meet my annual deductible. Dr's office asked me to call my insurance to check if it's covered, and they told me the billing codes. UHC said it's covered, but the cost ranges from $30-250 (per 20 minute session) depending on what the provider charges. They will pay 90% after I meet my deductible. They say that they don't know how much a particular provider will charge. I asked my Dr what they would charge, and they said the price is set by the insurance company. Who is lying?

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?