I'm in a pickle with a doctor's office billing after insurance says they paid. What are my next steps? Appointment in Sept 2023 with a verified in-network provider. Doctor office submitted an insurance claim under a different OON provider who I never met/saw/knew about when I went to my appointment. Insurance didn't pay but applied it to my OON deductible. Then a couple weeks later Doctor office submitted a new claim (NOT A REVISED ONE) for the same date but listed an in-network provider. Insurance covered it 100% less copay. Even though it was under a different provider, I know he works closely with the PA I saw so figured it was accurate enough for insurance purposes. I thought this was settled. From my view of EOBs it looks like insurance paid my bill and I paid my copay. Fast forward to now, I get a bill from my doctor office saying you owe us for the original appt. I had no idea there was a balance and I've been to this practice about 30 times since the original appointment in Sept 2023. I told them I have EOBs showing that they were actually paid by insurance, I forward them to them to verify. They are sticking to their guns saying I owe. I called insurance. They said it is too long ago for them to re-work the claims but from their point of view, they believe I should not owe anything beyond the initial copay. Doctor's office billing will not go over details on the phone. They want all communication to go through email, of which I've sent 2 (one with the 2 EOBs and one asking them to please look again at the second EOB which shows they were paid for the appointment), both emails they responded "please pay your bill". Where do I go from here? Insurance doesn't seem interested in stepping in to help since it's an almost 2 yr old charge. And doctor office is being very difficult to deal with. ETA: if it matters the doctor's office was recently or in the process of being bought out by a private equity company from a different state when I went in 2023. The OON provider they initially billed insurance with is the owner or CEO or something with the private equity.

My car was totaled at the beginning of July, it was the other drivers fault and she has Fred loya. I have been completely out of a car for 3 weeks and I can’t get through to anyone. I don’t know what to do. The car isn’t worth a lot, it’s a 2005 Subaru Outback, but in my area (Colorado ) I should get at least $4,000 for it, they offered me $2,200 and after I sent a bunch of comparables over they’ve been ignoring me. I have 2 jobs and I go back to school next month, I need a car. Any advice on how to get them to pay attention to me? I’m pretty poor so getting a lawyer feels out of the question, but I’m also getting desperate. Thank you in advance

I am trying to understand my Farmers insurance homeowners liability coverage and farmers isn’t being helpful at all. Basically what happened is while my wife and I were out of the country, my child accidentally kicked my sprinkler line near the drip system and broke it. Long story short, it flooded a room in my neighbors home over about a 7 day period. They just kept mopping it up and hoping it would stop. I’m not sure why they let it go on for that long but they did. Anyway it ruined some of the floor and caused some moisture to settle into the drywall. It was about a 15 ft x 15 ft area of water damage. Will my homeowners liability insurance cover the water damage in this situation?

The main pipe in my apartment building was backed up, causing some flooding in my unit (living room, kitchen, laundry room, bathroom, bedroom closet). The only thing that got completely ruined was my living room rug, so I tried to use my renters insurance to see if I could get some compensation for that, but they said something about not covering damages that don’t meet my deductible ($250). Some other things got wet due to the flood (some of my shoes, some clothes I had on the ground) but generally dried up decently the next day. They told me to call back if I saw there were other things that were damaged, but i’m not sure what falls under that label. Is it only things that are completely unsalvageable?

Should I file a claim on a plumbing/mold issue in home? Long story short- the stack going to an upstairs bathroom needs to be replaced ($2,500). Realized problem when we found water in basement. Mold remediation will be $3,000. Tile wall will need to come out in bathroom to make repairs. No idea the cost of this cosmetic issue. It’s original 1959 tile, so probably a decent amount of money to take it all out and replace on entire bathroom. Our deductible for homeowners insurance is $3,000. I’ve heard horror stories about insurance denying claims (especially due to plumbing/mold), and policy premium still going up. Also trying to gauge exactly how much our policy goes up even if the claim is handled by home owners. We have the cash to do the repairs. Is it worth it to make the claim and save the money? Or not in the long run? Thanks

About a week ago, I was stopped in traffic when a woman rear-ended me. I won’t go into all the details, but she was a bit evasive at the scene. She did give me her insurance information, though. I only have liability coverage through my own policy, so I filed a third-party claim with hers. I called her insurance today, and they told me she hasn’t responded to their attempts to get her statement. The evidence is pretty clear - she had a license plate cover on the front of her car, and the text from it literally left an imprint, like a stamp, dead center on the rear bumper of my car. I really need my car, but my rear bumper is sagging, and I don’t think it’s safe to keep driving it like this. Based on her behavior at the scene and the fact that she’s now ghosting her insurance, I have a strong feeling she’s just going to keep evading responsibility. Given this, I’m wondering: is it okay if I pay out of pocket to fix my car now and then sue her in California small claims court to recover the cost? If so, what kind of evidence should I gather to make my case? For example, should I ask the auto body shop for a written statement detailing the damage and cost to repair? Thanks in advance.

My neighbor scraped my car in our shared apartment garage. I park right next to her every day, and the scratch on my vehicle lines up perfectly with damage on hers. To top it off, her paint color is visibly transferred onto my car and vice versa.. She’s claiming she didn’t do it, but I’ve already filed a claim with her insurance and an adjuster has reached out. The adjuster says they’re still trying to determine liability since my neighbor is denying everything. Here’s where I’m stuck: -Should I keep working with her insurance and try to prove it to the adjuster directly? -Or should I go through my own insurance (which would mean paying a deductible upfront) and let them fight it out behind the scenes? I’d prefer to avoid paying anything out of pocket, but I also don’t want to risk her insurer denying the whole thing and leaving me with the bill. Any insight from people who’ve been through this or know the industry would be really appreciated. Thanks in advance!

I am purchasing a lakefront second home that I will use primarily as a short term rental in PA (and will use about 10% of the time personally and the home will be in my name). The sellers are transferring to me a low-power electric pontoon boat to go along with the sale. They currently also rent the home and pontoon boat as an optional add-on. The boat rental has been very popular for them and has generated a significant amount of additional rental income that I'd like to reproduce. I spoke to them about how they insure the boat and themselves from liability while renters use the boat. They provided the name of an insurance carrier that they use for the home policy and indicated the same carrier provides a personal umbrella policy that they use to cover themselves for the boat rental. As it turns out, I use the same insurance carrier so I reached out to my agent about getting similarly set-up. However, my agent, after consulting with underwriters, told me that not only do they want nothing to do with covering the boat when used by renters, but that they will not even insure the home as long as the boat is on the premises and now require proof of sale of the boat before they will insure the home even if we were to forbid renters' use of the boat. I'm suspecting that the sellers are operating a very risky operation where they didn't disclose everything to their carrier and they would not be covered in the event of an incident. So, I'm looking for advice for how I may be able to rent the home and the boat but still be legitimately covered by insurance. It was suggested to me that perhaps I could start an LLC, sell the boat to the LLC, and then operate the boat rental arm through the LLC. However, a brief search through chatgpt seems to indicate that because I would be closely tying the optional boat rental into the rental of the home, that I would be potentially stepping into all sorts of issues and the LLC would not function to "limit liability" as intended in its name. Has anyone found a solution to this and could share their experience/advice for how to make this a reality? **TLDR: How do I get liability insurance to cover me renting a low-power electric pontoon boat as an optional add-on feature for the renters of my lakefront short term rental home?**

Over the last two years my Healthy Paws Insurance premiums have gone up a total of 81%, which has forced me to remove one of pets off of my policy to make it more affordable. One of my pets is a senior, like many of the posts I'm reading here, and he has a heart condition forcing us into daily medical management per his most recent Echocardiogram. Like most of us who are appalled at our premium increases as of late for our senior kiddos, I am proposing we all sign a Petition of Opposite which will require your Name, the state of residency and your current or cancelled policy number. I will be posting this on a few sites in hopes to round up all those who feel their pets and their pockets have been treated unfairly. If anyone would like to recommend the best way to go about collecting this information, please relay that in this post. Thank you for your time, a fellow pet parent!

Just a little PSA for people who weren't aware, when you move you may lose access to your old policy. I've had my policy for 2 years and in that time one of my cats turned 15. because I'm moving, they are charging me a deductible again and also won't cover my cat on the same plan anymore due to age. I'm going from 80% coverage on an unlimited amount to a cap of $2,500. in a HCOL area. I'm obviously devastated but just wanted to share. might have chosen a different place to live if I'd known how screwed I would be.