Townhouse covered by condo insurance. Pipe in the ground(HOA property) breaks, excavation needed to determine the cause and replace the pipe. Insurance denied repairing the pipe due to wear and tear which is understandable,, but shouldn't they pay the excavation which was needed to determine the cause? There was other damage that was covered. Montana condo policy. Back up water/sewer damage coverage on the HOA policy.

Sorry this is a long story Late May 2024, my husband was rear-ended, his car totaled. We have full coverage, so we opened a claim with our insurance, the same evening as the accident. Police came to take report, which they found the other driver at fault. They included that my husband was injured but refused an ambulance. We went to urgent care the next morning and he was diagnosed with a concussion and told to not work or drive for a few days. The other driver claimed to have the same insurance company, but they were actually specifically written off the policy (some kid driving his dad's truck) so he's technically uninsured. We spoke to the insurance agent many times because we've never been in an accident and didn't know what to do or expect. We were compensated for the totaled car and mentioned we'd like pain & suffering to cover the missed days of work & such. And then we just left it alone, I assumed they would investigate and make an offer that would at least cover the missed work. After about 3 months, we got a notice that a new insurance agent was taking over. We explained that my husband had lingering brain fog from the concussion and had follow-ups with his doctor regarding it. Agent#2 sent an affidavit form to sign that we had no other insurance & medical release form for my husband to fill out. We had the paperwork signed & notarized, and both sent it by mail with the business return envelope given and uploaded it via a special link sent by the agent. Again, didn't hear anything for months. I wrote an email to ask if there would be a discussion about a settlement, again ghosted. Another few months pass and we've been transferred to a new agent. She wants to have a conversation, but at this point we're a bit fed up with all these conversations leading to nowhere. I asked if we could communicate by email so that there would be a record and heard nothing until today, when Agent#3 asked me to fill out the affidavit again. It's now been 9.5 months. I'm concerned about the length of time being taken to investigate my claim. I've answered every question I've been asked, signed every form. I've had 3 different agents. In each case when I ask about a settlement or offer, I get ghosted and then eventually passed along to the next person. I'm not quite sure what more is needed. I had many conversations with the first agent. Each time I emphasized, I'm new to being in a car accident, I don't know what's the norm, so now I'm beginning to feel like I'm being taken advantage of, like there is some bad faith going on with Progressive. I must say, I was pretty upset to see them ask for a form I've already sent months ago. Are we starting over again? I don't understand. I didn't get a personal injury attorney because this sub says you don't need one. What are we missing here?

I was in a minor fender bender in a parking lot. Other driver was turning into main drive. I was passing a car that was stopped so I was hard to see. I had minor scrape to left front bumper and other driver had minor scrape to left front. Probably about $1,000 damage to each car. Exchanged info, he's an attorney who does work for state farm. I had camera in car, but actual collision was on side so actual impact not shown. Sent my info and video to State Farm. Got an answer in one day. Was told it was inconclusive, and no one was at fault. So, we both pay our deductibles. It seemed like State Farm looked at the option that would cost the company the least, especially with the speed the determination took place.

I was rear ended in January and filed a claim with state farm The girl who hit me was in her fathers car which had state farm, liability coverage she has dairyland with full coverage. I am a State Farm customer (not after this) and was assured that this matter would be settled quickly. I was told by my first adjuster that my car was a total loss, since my car was newer that it would exceed her father’s liability coverage and they would open a claim with dairyland on my behalf to get the rest. They complete the estimate, do not contact me on what their assessments were and also changed my adjuster without contacting me whatsoever with my new adjusters contact information. I had to find this out on my own by calling after hearing nothing for two weeks after the estimate was complete. They said “maybe” my settlement would be 8k flat for reasons they seem to not be able to answer, they haven’t even offered me a settlement by this point. They said they valued my car at 11k. Which honestly would be a joke if it is 8k. I talked to my adjuster on Thursday and she is reading my information on my policy and for whatever reason State Farm has put that I have dairyland as my insurance on my claim. I feel at this point my claim has been handled with complete negligence and I am at a loss on what to do, I genuinely would like to move on with my life as this has caused me a lot of emotional and psychological distress. What are questions I could ask to understand this process more, or get traction with? Why would they open a claim on my behalf just to tell me to “do it myself” later on? I have never been in a wreck like this before so this is just another learning experience, but I do not feel as if my claim is being handled properly or correctly. Any advice would be appreciated, also please don’t be rude as I am already going through enough with this debacle.

Hoping someone can provide some guidance for me as I am at point where I’m not to sure what to do. I live in MD and was in an accident a few weeks ago. It wasn’t my fault a driver jumped a stop sign and I was on the cross road and they connected me. Police came and the other driver immediately admitted fault. We are both with Statefarm so it’s been challenging dealing with this. My car is financed and the claims department wants to pay about $2k less than what I owe on the loan. I don’t have gap insurance. The claims department haven’t been the best in communication, but thankfully my Statefarm broker has been trying to help me convince them to just pay the difference on the loan because I have been a good customer with referrals and no claims. But now they have pretty much cut him off too. I also just put about $4K into the car for new tires, brakes, oil change etc. Where the bigger problem comes in, is that I don’t have funds to buy a new car or put a down payment down. I have reached out privately to the other driver to discuss additional compensation from their end to at least get me to put a down payment on a new car, I am not expecting them to buy me a new car. I am still waiting for them to respond. So here are my questions Can I request that the insurance pays for the work that I put in less than 3 months ago? Can I legally hold the other driver accountable for compensation for my loss and how would lawyers fees generally work with things like this. I am the only one that brings in an income currently for the family as my wife has just started a new business and it is still in the early stages of taking off. I really appreciate any help here.

I’ve been with PetsBest for over 3 years. I started paying about $50 and last year it went up to $78. I thought it was due to my dog becoming a senior, so I didn’t complain. Usually I have one visit to the ER per year, so I thought it was worth it. Last year she had mayor surgery to remove some tumors, but I was waiting until the last minute to get it done as they were all benign. Last week I got a letter from PetsBest informing me that my new monthly premium is going to be $190! I called and even the rep was shocked about the increase, but now I’ve been shopping around and PetsBest is actually the cheaper option! I don’t want to drop them, as she is old and I’m sure I will end up paying less, even with the high premium, but there has to be some sort of control over this companies! This is absurd!

I recently ran into some medical issues and just got my blood sent in for testing, which my office said they'd run through my insurance. Then today at work my coworker got a call from her doctor saying that her appointment had to be rescheduled or cancelled because her insurance policy came back as having been cancelled. I immediately went to check the status of my insurance and found that it had been "termed" as of a month and a half ago. According to my insurance provider, I have no medical, dental, or vision insurance. My paychecks are still having money pulled for insurance payments and I received no notice of a cancelled plan (checked emails, messages, and physical mail) but when I call my provider they tell me I'm not insured. This is the same for every other coworker I've spoken to this afternoon. I've already reached out to my employer about this and am waiting on a response, but my question is: if my medical bills come back higher because I'm "not insured", am I legally able to make my employer pay for the difference as it's their responsibility to maintain my (and my other coworkers') health insurance?

So, I’m planning on buying a Dalmatian puppy within the next few months and wanted to figure out which insurance I plan to go with before taking the puppy home. I’ve heard pretty good things about Lemonade, and they had a reasonable starting rate, but that went so high when I imput my information. It ended up being about $100/mo without add-ones such as dental or routine vet. Maybe I just don’t get insurance as I’m buying from a very good breeder who has heath testing/CHIC numbers, temperament tested parents, etc? I guess I’m just confused how a 3/mo old puppy of a breed that’s very healthy compared to a lot of breeds people have, can cost so much more than the base rate. This is my first time perusing insurance for a pet so forgive me if I’m missing something obvious here.

I am trying to move my HSA out of Fidelity for a previous job, since they will start charging fees. When I tried to open a Lively HSA, I got this message. Has anyone else run into this before? Any theories why I might be getting this? \--- Thank you for reaching back out to us. After careful consideration by our accounts team, we have determined that we will be unable to open an account for you and have no further information we can provide. There is no further need to contact us about this as our decision is final. We consider this issue closed and will not be responding further. Thank you for considering Lively, we truly wish you the best at finding another HSA provider. EDIT: I just contacted Fidelity, there are actually no fees! I'll be keeping it as it is.

I put my three dogs on MetLife’s family plan sharing one annual limit and deductible because it was the only company doing it and all the others including Fetch, who I already had, were getting way up there on premiums, especially for my oldest dog. Started out sharing $10k annual, $250 deductible, 80% reimbursement, around $115/mo. Dogs were 9, 6 and 4 mo. After one year and no claims MetLife bait and switched me, lowering my deductible to $200 and raising the price by $30. Their other offerings for less were with higher deductibles that didn’t result in anywhere near my original set up in cost. I was ticked off but ended up doing nothing about it. And yes, I know the rates go up as they age. Renewal came up and they did it again, changing my limit to $10500, lowering my deductible to $150 and raising my premium by $80 to $228/mo!!! I never put in a claim this whole time! I work at a vet hospital and get a discount, did have one dog worked up with labs that didn’t meet the deductible so didn’t bother. However, I imagine as far as other carriers are concerned he now has a “pre-existing condition “ even though we didn’t reach a diagnosis other than polydipsia. So I called MetLife and went through various policy scenarios to see what that dog would be by himself, moving the now 2 1/2 yo to to a different provider and dropping coverage on the now 11 1/2 yo which I hate to do. I ended up keeping everyone covered at $250/80%/$5k for now at $144/months. Makes me nervous as a previous dog took me up to $8500. But this buys me time to decide what to do. Has anyone here had experience actually putting in claims with MetLife? How were they in honoring claims? Did they yank you around changing coverage and raising premiums substantially at renewal?! You would think there would be some kind of reward for not needing to submit claims! These tactics are BS!!!