Can anyone give me an idea of what to do? Allstate misrepresented how many sq feet our house is. My spouse (who does most of the bills etc) did not notice this for literally years, and made a phone call as soon as they did. It's a difference of about a thousand dollars a year. Allstate readjusted the sq footage. They gave us one year's overpayment back, and basically told us too bad about the rest, and there's nothing they can do about it. Well of course there is something they can do about it, they just chose not to. They gave us a year back. We got our next bill in the mail last week, and they had put the wrong sq footage on it again! Needless to say this is super aggravating. Their refusal to do anything is really absurd. They stole from us and don't care at all. You know how it is...every person we talk to just sends us to someone else. Is there anything I can do? Any advice would be so appreciated.

I have an 8month old puppy. He had some bile vomiting before our insurance kicked in. Long story short, he was sick recently and we thought he swallowed something. When I put the claim in Lemonade denied me. They said vomiting is a "pre-exisiting" condition. Which is nuts? Has anyone dealt with this? Am I crazy to want to switch insurances? Will this ever go away?

Hello, Can someone with experience using Trupanion confirm how their reimbursement actually works? Here’s the situation: Let’s say my total invoice is $1,200 (excluding tax and for a single condition). My deductible is $1,000, which has already been met. That leaves $200 of eligible costs. Based on my understanding, I would then pay 10% of the remaining $200 ($20), and Trupanion would cover the other 90% ($180). However, when I submitted a recent claim, Trupanion told me that the 10% co-pay is calculated based on the total invoice **before** the deductible is applied. So according to them, I’m responsible for 10% of $1,200 ($120), **plus** the $1,000 deductible, and they only covered $80. But their own website says this: "Co-payments, also known as coinsurance, represent the proportion of eligible veterinary expenses that the pet parent is responsible for after the deductible has been met. For example, if a pet insurance plan offers a 90% reimbursement rate, **the policyholder would be responsible for paying the remaining 10% of the eligible expenses after the deductible has been satisfied**." This seems contradictory. Has anyone else experienced this? Am I misunderstanding something?

I’m currently with Prgrssive insurance I star with them about 3 years ago I’m 27yo. First car insurance with them paid $700 for 6 months the following year they bumped out the price for $850+ for 6 months and this year I got $900 for 6 months. No accident zero report at all why they kept bumping my prices? I’m from New Jersey. I’m thinking of switching insurance and your recommendation or what I need to do to pay around $700 for 6 months if possible, thank you!

Hi, My one year old cat had to go to the vet this week for a limp. I processed his paperwork and submitted a claim toward his deductible and Spot denied it. Looks like he needs surgery and it’s going to be costly- I’m worried they will deny this too. Am I able to switch insurance companies now if I’m having issues with spot? Or would a new company just not cover this at all? This is my first pet with insurance and I’m frustrated.

I am scheduled for surgery next week with a specialist. I’ve waited a very long time to get this care and am chronically ill from my health problems. I received notice from the hospital billing department today that in fact the hospital is out-of-network with my insurance. This is after at least 6 months of appointments at this hospital and with this surgeon’s office. My insurance was billed for the other pre-op appointments. The billing office informed me today that I would have to pay about 49k up front to even be seen by the doctor for the surgery at this point. I pressed both my insurance and the hospital as to how this could happen. According to the hospital billing office, they had my insurance numbers but not my card on file (I’m quite sure I gave them my physical cards at one of my in-person appointments). They said someone had entered the wrong plan into the system (one that was covered by the hospital) and just discovered this. Something feels very wrong to me, not to mention the psychological stress of having been preparing for a hopefully life-changing surgery that is likely to be off the table. I have the option to file an out-of-network gap exception or use another recommended surgeon, but I am enraged that this mistake was made. I don’t understand how the hospital could just now find out that my insurance is out-of-network. Can anyone advise—is this fishy? What might I do to get my surgery next week? My FMLA is approved, my friend paid money to fly to stay with and take care of me, and childcare and meals are organized. I find the whole thing unacceptable but don’t know how to advocate for myself. My plan is Highmark Blue Cross Community PPO.

Had collision (not gap) . Lots of body damage, but totally drivable. Quoted at $1500 in repairs (after deductible), The car is an EV and I’ve wanted to trade it for a gas car, but I owe way way more than it’s worth so haven’t. The claims adjuster told me repeatedly on the phone they’d negotiate with the lienholder if I had their tow truck come and pick it up and progressive could total it so obviously I happily agreed. Claims adjuster gets back to me, says they’ll send my leinholder 3k after my deductible (this is a fair value of the car) and I’ll still be responsible for the remainder of the balance. The remaining balance is 9K. (I know, I know..) I asked what happened to negotiating, he just gaslighted me that that’s not his job and he said he’d *maybe* negotiate. So I ask for my car back, he said, no I can’t have my car back. How is that possible? I haven’t signed anything yet, but I don’t get why they pressured me to agree to paying out my lienholder 3k vs 1500 payout to me (after deductible) I’ll be left with no car and 9K in debt? How can that be legal? Help? Edit : by asking for my car back I meant , can I have my car back and then they send me the original check for the body damage repairs

Hello, I bought a vehicle in New York.. had it shipped to California.. Vehicle arrived damaged during transport.. Transport Company stayed at a rest stop, another vehicle/truck backed up and hit Transport Trailer where my vehicle is secured.. Truck at fault denied my insurance claim.. Per the Insurance they don’t have coverage.. I filed a claim against the Transport Company who was transporting my vehicle, Progressive their insurance denied the claim with reason of Transport Company not cooperating with there investigation and unable to verify information that is necessary to confirm valid coverage for the incident.. What’s my next step? any advice? I’d like to avoid filing a claim against my insurance.. also, should I lawyer up? any suggestions? location is California.. Thanks

Are there any stated income HELOCs out there? I dragged my feet on UMPQUA which auto approved up to 100k, but when I finally got around to applying, they changed their DTI from 50 to 40% and their estimated DTI for me came 38-43% so it triggered stips. I don't need a HELOC, but would like to open one just in case. Figure is popular, but requires you to draw the full applied amount for, and they charge you 5% off that (big no thanks). I have about $200k in room for 85% CLTV, but I'm ok with max limits of $100k for auto approvals. Anything full doc is not worth my time, so I don't want to go down those avenues, and I don't want anything that requires a draw at open that you get a fat charge on. Thanks!

Hello, I doubt I can do anything about this but I'll ask anyway. My broker automatically froze my account yesterday because I supposedly made a large amount of orders (less than 10 a day on average). The average of those orders were positive so I'm unsure why the amount matters, not like i was losing money. I had an ongoing call that I was keeping waiting (hoping) for the price to go up and placing puts as the price was decreasing, so i was slowly making back the unrealised loss (and I did more than make up for it before tariff struck). Anyway, yesterday I tried to place a put but noticed my account was frozen, asked why and the help center told me the reason above and that it was there to protect me. Anyway, tariff happened today so the earlier mentioned call escalated in price which triggered their automatic order closure when the account reaches 25% of its value. Since my account was frozen i was unable to place a put to stop the fall in price and such. They did prevent me from placing a put just before the tariff struck yesterday, and while it was happening. So i was wondering if I could ask them for any sort of compensations or if I should cry. the broker is trading 212 just in case. Location: France