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?

Location: perth wa Last year my partner got rear ended in march 2024 while they were on the way to work. Got admitted in Fiona stanly for three days to do test and scans and lodged the claim with insurance commission of wa . They kept asking documents and stuff for 4-5 months yesterday (after 1 year going back and forth)got payed $787 from insurance commission as one of payment as a loss of salary while they are still not capable to be back to work. Is it worth proceeding it with legal ways to get compensation for the loss of salary. Salary was $950 average a week. Thank you

The accident occurred on 3/20 and was told they’re taking 100% fault. It all happened so fast, but I was on my way to work in the morning driving 45 in a 45 (it’s also dark and raining). I’m coming up to a 2-way crossroad where the guy’s road had a stop sign and mine didn’t. When I got close to the crossroad I see that he’s rolling up to the stop sign and I assume he’s stopping..because there’s a stop sign. Instead, he keeps rolling into the middle of the lane where I proceed to slam on my brakes and instinctively veer to the left to avoid him but I end up completely smashing the side of his car at 45 mph. I ended up missing that Thursday and Friday and returned to work on Monday since I was told I wouldn’t have to do much work. He ended up not even having a scratch while I have to go to the ER because I was so rattled and didn’t really know the extent of my injuries besides not being able to hear out of my left ear due to it ringing and sounding really muffled. I get a CT scan at the ER and was told that they couldn’t find anything major, so they sent me home with some muscle relaxers and a note for “light work no lifting” for work. A couple days later, I started feeling the extent of my injuries. Taking a deep breath, laughing, coughing, anything that expanded my rib cage or moved/put any pressure on my shoulder blade hurt really bad. My neck was stiff from the whiplash and I could crack my neck in ways I never had. My ear was still muffled with loud ringing and was very disorienting. This affected my sleep, work, daily activities like driving, working out, or even cleaning my apartment. It has been a week and a half since the accident and I’m still feeling all that pain. Albeit, not as significant and alarming as last week, but I still have a muffled left ear with some ringing, pain when my chest expands, shoulder blade pain, anxiety whenever I drive(which is a huge part of my job), sleeping issues, and as silly as this sounds, has destroyed my happiness. I got engaged the weekend before the accident and wanted the celebrate with friends the weekend after, but I wasn’t even able to leave our apartment to celebrate because of how much pain I was in. His insurance has offered me $2,500 for pain and suffering but I feel like that’s a slap in the face. I explained my situation to an attorney and he said it looks like they can make a decent case but said he couldn’t give me a number on how much he thought the case would be worth. So my questions are, can someone give me a ballpark estimate on how much I should negotiate for? & Do I need an attorney involved or is this a situation where I should fight the claim and negotiate myself? TL;DR I got in a high speed accident and his insurance is accepting 100% fault. I got out lucky but am still experiencing injuries like whiplash, some bruised ribs, shoulder blade pain, and muffled hearing. His insurance offered $2,500 and I don’t believe that’s enough for what I’ve gone through. How much could I counter offer for and should I get an attorney involved? Edit: I apologize, I did end up going to a primary care doctor last Friday but he told me the pain I experienced is common and went over the CT scan that the ER did and said “everything looks fine here”. I have an ear, nose, mouth appointment this Friday. Edit 2: I’m sorry if these seem like stupid questions, I’m just really young and don’t have any help outside of my mother.

I just recently got into a car accident where I was turning left on and intersection right after my light turned green, and the other driver was to my right side driving straight through the intersection with a red light. They hit me on the front right side of my car and my car was deemed totalled. I called the insurance company and she has not yet made a detailed statement on her insurance or police report (the accident happened at around 6pm on Monday). My insurance is deeming this 100% my fault. How do I get out of this? It obviously was not my fault as she ran then red, but they are saying there is no proof to her running a red light, which is true, I have none. But why does it then have to be 100% my fault? It is so so frustrating, and I would like some help going forward with this. I haven’t signed any papers for the insurance company yet and am hoping to dispute this. Do I have a leg to stand on? Thanks. Edit: I should also add that I have told my insurance company about her carrying an expired insurance sheet and her driving for Uber Eats with her car not registered as a commercial used vehicle.

After a family member had a total loss from their condo building fire, TRAVELERS Insurance paid the claim but cancelled their policy. Now, they're having issues finding Insurance companies that will insure them. Any ideas? Has anyone experienced this problem?

I am a trusting person. I will state this upfront. We switched home insurance carriers last year. I was told by someone that they discontinued our vinyl siding and to purchase or look for a matching endorsement for it when I switched. I talked with the insurance salesman who I asked if they have a matching endorsement for vinyl siding. He said “it is not needed” i then asked clearly “if one side of our house is damaged and the siding has been discontinued you will replace all of the siding correct?” His response was “yes we will make it right, we will make you whole” Low and behold. Massive hail damage to one side of our house. Our siding is discontinued. Insurance says we will just try and match it to the best we can. Is there any recourse here?

I’ve had my two dogs insured with Healthy Paws for almost a decade, and at first, it seemed like a great choice, claims were really easy, they seemed like they cared by sending good will messages after a claim etc. Monthly premiums started at around $30–$40 per pet, then slowly crept up—$50, $70, $90. It was annoying but manageable, thought it was normal as dogs aged and there was also inflation. Then, things went off the rails, I think it's because they were acquired by a bigger company (that's my speculation tho). My premium was already high at around \~$250/month for both dogs, but now they want **\~$550/month**— more than double overnight! No new benefits, no explanation, just pure corporate greed. It’s clear they’re taking advantage of longtime customers with older pets, knowing we have fewer options due to pre-existing conditions. It’s a disgusting, predatory practice. They assume people won’t leave, but I’d rather pay another company—even if it costs more—than reward this behavior. **I'd say avoid Healthy Paws at all costs.** Also if anybody had changed insurances at a similar point and were happy after please let me know!

Hey everyone, This is a follow-up to my earlier post about trying to cancel my Wawanesa auto insurance (I’m the guy paying $750/month for a commercial plan meant for Uber Eats, which I barely do anymore). My regular broker had gone silent for a while, but I finally got in touch. Here’s the update:- My broker confirmed I can cancel the policy early. However, he says I’ll have to pay two months' worth of premium upfront as a penalty — that’s around $1,500. The new policy I’m eyeing (with TD Bank) is non-commercial and about $450/month, but they also require 2 months paid upfront to start coverage — that’s another $900. So basically, to switch policies, I’d need to cough up $2,400–$2,500 upfront, just to get out of this $750/month cycle. Now I’m stuck asking myself: Is it even worth switching, or should I just suck it up and keep paying monthly till my current policy ends in November? Will I even save enough in the long run to justify the upfront hit? Has anyone else dealt with a similar situation — switching from commercial to personal auto insurance mid-term? Any creative options or negotiation tips I could try with either Wawanesa or TD? I’m still trying to be financially smart here — just don’t want to end up spending more just to spend less later. Appreciate all your input!

Location: Philly, Pa Any ideas??? Back in July our dog bit our neighbor. One of the kids let the dog out, and he bit them. We knew from the jump we were going to get sued. We got a lawyer when we received a letter from theirs. They wanted our homeowners insurance info. Welp..... come to find out, ours doesn't cover animal injuries or damage. So, after a month or 2, they asked if we wanted to just settle out of court. Of course we did. They came at us with a settlement. We weren't able to get the full amount but came back to them with a lump sum right away then asked to make 2 monthly payments to settle the rest. After weeks, they declined it and we received a letter from a new attorney asking for our homeowners insurance. Ummm... we already told them we didn't have coverage. So, our lawyer was going to get with them, we paid him another retainer (ughhhh), and he told us there was nothing to do as of now until he hears something. He said he would get back to us. It's been 2 months and still have not heard anything. What is going on???? Like we were going give them exactly what they wanted. They were just playing with us I guess and now we just wait??? Any ideas on why the wait game? I just want this over with. And just in case you all want to know, we are not made of money. We have 2 kids in college and 2 little kids. We live pay check to pay check and had to get a loan to pay the lawyer and that settlement they first asked for. It was a totally misfortunate accident, we were devastated for them, and are deeply sorry. We are good people with a good family. Thanks

Accident Location: USA, florida (my residence and my driver license is central usa) i once had a car accident while driving rental car in florida Rental car's insurance company charged me for Diminished Value and say if i don't pay that they will get to some florida state's govt agency and take away my driver's license. What are they saying basically and is this even possible? The car accident case was dismissed and i'm not guilty.