My health insurance company won’t use the word “covered.” They only use the word “consider,” even when the category is “benefits and coverage.” One of their agents told me they can’t use the word “cover.” For example, in a recent communication they said, "Home health care must be approved in advance, (pre-authorization), and is limited to 90 visits per plan year. Once approved, services provided by an In-Network PPO provider will be considered at 100 percent of the allowable charge with no co-pay. “ This statement doesn’t make any sense. They said it has been “approved.” What is left to “consider?”

What happens if I don’t pay my cancellation fee from my last auto insurance company? I cancelled it before the end of the policy for the same coverage at a different company for more than 200 dollars less a month. I didn’t realize I would get a cancellation fee it’s not much but out of principal I don’t see why I have to pay this since I paid the whole month in full and cancelled before the end of the month if anything they should refund me for the days I didn’t use. they’ve been calling me and emailing and snail mailing me everyday for payment. What happens if I don’t pay the cancellation fee? All I’ve seen online is they can cancel your coverage but my coverage is with a total different company now so they can’t cancel that. Would it go on my credit report somehow?

I recently had a doctor’s visit wherein I was given Botox injections to aid with migraines. When looking up the cost ahead of time, I was told that with insurance the cost was typically $200, and without insurance it was about $600. I’ve just received the bill from my health insurance provider, and according to them, they covered approximately $2000 of the procedure which leaves me paying $750. That’s more than even the estimate WITHOUT insurance. I’m not sure how this became such a ludicrously expensive procedure compared to estimates online. Does anybody have experience with this sort of price gouging before? I’ve already called the hospital and they insist that the cost of the procedure is $2000, and then there were additional costs for “processing fees” due to my insurance. What is going on here? Let me know if there’s another subreddit I should be posing this question towards, too. Thanks!

So long story short was involved in minor car accident that I was not at fault for , this happened on 3/3/2025 and I didn’t get any information from the adjuster after having the car looked at until I decided to call to see what was going on and they somehow missed to file something so I didn’t hear back until 3/27/2025. The adjuster was adamant about me signing and cleaning my car out from the place that repaired it which I did a few days later , which it was considered a total loss and I received the estimate/ Salvage value and all of that again a few days later after having to ask for it. Now since then I cannot get a hold of anyone I’ve sent countless emails and phone calls and just today text messages to the Total Salavage department of Erie Insurance as I didn’t even agree to the repair costs or the amount they want to give back to me , I’m unsure what to do currently I just would like a status of where my vehicle is even at , I wanted to at least have one more shop to check it out and get a second opinion but now it just seems unfeasible at this point having to wait and wait and wait, so yeah first accident never dealt with anything like this so any help would be greatly appreciated!!

A few weeks ago, my driveway suddenly collapsed. After some initial inspection, it was determined that the cause was a failed 96” storm drainage pipe running underneath the driveway. This pipe is in an easement, common area, which means it’s the HOA’s responsibility—not mine as the homeowner. The CC&R’s clearly state that the Association is responsible for the maintenance, inspection, and repairs of the retention basin. It’s been 6 weeks since the incident and since then, I’ve been trying to get the HOA to take action. They had a contractor and inspector out, and they’ve submitted a claim to their insurance company. However, progress has been really slow. I haven’t received clear answers or timelines, and the damage continues slowly worsen by the day. To make things more complicated, I’m currently part of a construction defect lawsuit—along with other homeowners—against the original builder. The HOA and the law firm plan to include this drainage pipe failure in the existing lawsuit, since their initial review suggests it was likely caused by “defective construction”. The law firm says they’re now waiting for a temporary repair recommendation from a geotech engineer expert. Once they have it, they’ll send it to the HOA board for review and approval (or denial of the repair). In the meantime, I got a message from the HOA’s insurance company saying coverage is still under review, but that I have a “duty to mitigate damages and should contact MY property damage insurance (WHAT?!?!). That’s confusing and frustrating, since the drainage system that failed is owned and maintained by the HOA—not me. I’m doing my best to stay on top of everything and keep communication professional, but it’s exhausting, and the lack of urgency from all sides is really frustrating. Would love to hear your thoughts—am I being unreasonable here? What else should I consider? Location: ca

Location: Houston, Texas On July 15th 2024, I was involved in an accident with a driver. It was a two-way street and I was at the middle crossing section ready to yield to the street I need to go. I noticed a driver coming out from the plaza and looked like they are waiting to cross to the street where I was coming from. Before yielding, I made sure no incoming cars and safe to go; attempted the yield. As I turned, the car from the plaza crossed the street and a collision happened where my front hit their side. Police was called but no report was made as they said it was minor. The other driver insisted the police to give me a ticket but they didn’t and sent us home after we exchanged insurance. After that, I did all my obligations with my insurance company and they denied claims from the other driver as they said it was not my fault and I had the right to yield. Fast forward to now, I received a paper said I’m being sued for personal injury but in remember the police asked the driver questions to determine if the driver need medical attention and the driver said no. I contacted my old insurance right away to inform them about the sue paper. I don’t know what to do from here.

I bought my condo five years ago and have Homesite Insurance (according to my recent research, this is not good…). I just filed a claim with them about what my plumber suspects is a faulty toilet wax ring which has caused water damage in the condo unit below mine. Chances are my bathroom will be out of commission for a bit. My question is this: has any one had at least a neutral experience with Homesite? Any tips on how to make sure they do what they’re supposed to? I’m doing my part by brushing up on my insurance policy. Any advice on how to avoid delays is greatly appreciated! I guess I’m just looking for a little hope, lol. Thank you!

Homesite Insurance I bought my condo five years ago and have Homesite Insurance (according to my recent research, this is not good…). I just filed a claim with them about what my plumber suspects is a faulty toilet wax ring which has caused water damage in the condo unit below mine. Chances are my bathroom will be out of commission for a bit. My question is this: has any one had at least a neutral experience with Homesite? Any tips on how to make sure they do what they’re supposed to? I’m doing my part by brushing up on my insurance policy. Any advice on how to avoid delays is greatly appreciated! I guess I’m just looking for a little hope, lol. Thank you!

Hi all, I sold my business last year because it was not a profitable venture. The llc is closed and any remaining money was used to pay off equipment debts. The insurance company says I owe $10k in workers comp insurance for the previous year which they now have sent to a collections company. The business is closed and the llc is dissolved. Can they come after me personally for something like this?

Has anyone used Clements Insurance? I'll be in Bangkok for 6 months to a year and I'm looking for full coverage on expensive personal property. They say they provide that coverage, but saying and doing....