Hey guys , so this happends to me , My son was involve in an car accident last year (few months ago). He was driving his scooter to school on a traffic light he make an line change and got hit by a car(He is a Minor).After few days we got the police report saying that was my sons fault. Nearly January I receive an letter from NCS saying that I need to pay them 14k！The insurance of the other guy was nationwide. It was just a small accident so this looks not normal to me. Being an minor and on an scooter on his way to school hitting by a car was very stressful and know we need to pay over 14k out of my pocket. Just want to ask if NCS a scam? Should I pay the balance?

What kind of company does this where they don’t accept my debit or credit card for monthly premiums. They will do checks, but still.

Is anybody else's Figo insurance going up 40% in 2025? My rate is going from $425/yr to $700/yr. I reached out to Figo and they blamed inflation of all things, saying nothing could be done about the price. I was told Figo was one of the better companies by all my pet owner friends & family, but they have never covered a claim and at these rates it would be cheaper for me to just put aside $50/mo. Really frustrated and looking for advice.

Hello, I have an HSA with Optum Bank that I am transferring to another institution. A couple of weeks ago, I had a phone call with Optum where they had told me to liquidate my investments before initiating the transfer. Right after we hung up the phone, I liquidated all my investments and initiated the transfer with the other institution (Fidelity). I sold X amount of shares of VFIAX at share price of $565.06. A few days after liquidating everything, there was a purchase of shares on my account using my entire account balance, purchasing shares of VFIAX at a share price $567.88. It turns out that my account had a flag named HSA auto-transfer enabled, which is the cause of this. VFIAX has dropped a significant amount since this purchase was made. As of now, it is priced at $530 per share, which will drop even lower today. I am upset because the representative from Optum did NOT inform me that auto-invest was enabled, and my entire portfolio is down about 7% due to this. I just spoke with a supervisor at Optum to see if they can reverse this transaction and they said there is nothing they can do. The only thing I can do from this point is to disable auto-invest and liquidate all my shares for a loss. Is there anything I can do about this? I'm upset that I have to take a loss due to the phone rep not telling me to disable this feature. It's also caused delay on the transfer process to Fidelity.

After paying $60 bucks a months for almost a year, SPOT has denied every single attempt at being reimbursed and rejected every appeal. The rejection to the appeal contained information that was absolutely not true like that the symptoms started in the 14 day waiting period, even though it was for an emergency surgery many months after we started the policy. When I asked what next steps were, since there was clearly incorrect information in the rejection, I was told there was nothing they could do. It's thousands of dollars, it's exactly what we pay insurance premiums for. It's the holidays and we are completely broke. We were counting on having this money reimbursed so that we could make rent this month. It's just pure cruelty and I don't understand how people like this sleep at night. AVOID THIS COMPANY LIKE THE PLAGUE.

When the adjuster was going over the fact that their car was going to be a total loss, a 2022 Kia Sorento, that they were valuing at $34,000, $9000 over my limit. I hit them doing like 7 miles an hour, but it must have done frame damage... I just didn't see them, and t-boned them as they were making a left turn, while I was trying to make a left turn. They told me that they were going to have them file a claim against their own insurance, and its "progressive versus progressive; so, it's not like they're going to fight it", and to not worry about it. I'm not about to get blindsided with a $9,000 past due bill after being told to, "not worry about it", am I?

Just got a letter from Erie Insurance a few weeks ago that my broker was dropping Erie and I need to find new insurance. I have a damaged chimney that I was planning on having an adjuster out to investigate to see if it was covered or not. I noticed the damage months ago, but decided to get quotes from brick masons before calling my agent. It took a very long time to even get anyone who would show up to quote it for me. Was told that it was structural and the chimney needed to be demoed down to the roof line and rebuilt, adding some new lintel. Quote was $7,500. I called my insurance agent and left messages on a few occasions. There does seem to be water damage under the roof, but I think it’s on old repair from where I had the chimney flashing and sheeting replaced around the base of the chimney at the roof years ago. So a few weeks ago, I get a letter stating that my policy was not renewing. I just talked to my broker and mentioned the potential claim (probably stupid move on my part) and what to do. After some questions, it looks like if I start a claim with Erie, it will show up on reports the new company can see and will have an open claim without a disposition. I could just jump ship altogether and get a new policy and hope they don’t do an inspection and find the chimney damage. I obviously need to get this fixed, and I will, but the timing of all this is terrible. If I can’t get a new policy because there is existing damage, there will be a lapse in coverage which could also screw me. Anyone got any advice? I’m thinking of just rolling the dice with a new claim and hope for no inspection, get the chimney fixed out of pocket and move on with my life. My dad recently switched from Erie to Farmer’s and they didn’t require any inspection that I’m aware of.

Hi all, I have been losing my mind trying to figure out which coverage would be best for my pup. He is a 1YO chihuahua/poodle mix who was rescued off the side of the road at 3 months with a broken hip. He has had FHO surgery which did seem to help reduce his pain and allow him to put more weight on the limb (left hindleg). He loves running and jumping around and generally acts like a happy puppy, but will likely always walk with a limp. I'm aware he may develop issues as he gets older from compensating. We currently have Pets Best, which we have not had a good experience with. We have sent them the same documents three times and every time they said they did not receive it, even when I'm actively looking at the email to their claims department while on the phone with them. Then it takes a full two months for them to review the documents, only for at the end of two months for them to close my claim because they did not receive my documents.... and thus the cycle continues....... Which insurance would you recommend? Should I just suck it up and accept that I'm likely going to have to pay in full for any orthopedic issues? I'm happy paying on the higher end ($70-$100 a month) for more full coverage that would include exam visits, medications, etc, but I'm having a hard time figuring out which insurance would work best for my pet. Any advice y'all have to give would be greatly appreciated and save me hours of going down this rabbit hole!!!

I’m so frustrated, I have a shih tzu 13 years old who doesn’t have any major problems, other than a collapse trachea and anxiety. But nationwide made my payment $300/month. How am I going to afford this?!

I've paid $3332 in premiums for my dog's insurance policy. Now, the first time I try to file a claim for a dental extraction, it is not approved because she had a pre-existing condition of "mild gingivitis" three years before our policy began. [They boast all over their website that they have the most extensive coverage for dental compared to other pet insurances](https://www.fetchpet.com/the-dig/does-pet-insurance-cover-dental-care), but they do not. My dog's gingivitis was so mild at that time the vet said it was not a concern, but apparently that is considered a pre-existing condition. Just want to warn other pet owners out there.