Hey guys, im a 24 year old male living in Ontario and just got hit with a complete blindside. I’ve been insured on multiple vehichles through different companies since 2018, no tickets, pullovers or anything. I just bought a new truck and found out when getting quotes that I have 2 at fault accidents on my record. The first was July of 2021, my 67 mustang hit a pothole and caused some minor damage to the fender. I called intact and asked some questions and they said the only way I would get any money towards repairs is if I put it through as an at fault-after hearing this I said no thanks and paid it myself. They never said anything about this going on my record, the whole point of me paying out of pocket was to avoid this. The second was on my truck in Feb 2024. I was in Colorado and my brother needed to move my truck out of the driveway, it was late at night and a neighbour was parked somewhere it was hard to see and he bumped into it. My truck was fine and I was away so I didn’t deal with any of it directly but my brother used his personal insurance to pay out the damages but this is on my record as at fault for me. Is there anything I can do to get this off the record? I’ve talked to so many insurance agents who just shrug and say they won’t insure me and that the circumstances don’t matter. I’ve had insurance since I was 17, paid over $25,000 since then and cost insurance companies $0 and they won’t insure me.

Wondering if anyone has experience with something like this.  We bought a house (with a mortgage) a little under 2 months ago.  We were told by our agent to push off the insurance (Citizen's) inspection as much as we could, as the house was in need of renovations and we would be doing them as soon as we closed.  We did "too good" a job pushing it off, and we got a cancellation warning that it would be cancelled Aug 4th because the inspection wasn't scheduled.  We then scheduled the inspection to take place on August 4th, which happened. In the meantime, the insurance company cancelled in the insurance because apparently the inspection needs to be uploaded in their system to retract the cancellation (even though the letter only specified that it was cancelled because the inspection had not been \*scheduled\*) We spent the week trying to get it reinstated, only to find out at the end of the week that the inspection had failed, and under normal circumstances, they would give a warni

I have a BCBS of Illinois community health plan, and I've been looking to find a dermatologist that's in network and when I go on the website look under the "in network" tab, everyone I call says they do not accept my insurence. This isn't the first time I've dealt with this either... Even when I call and get a list from that it's the same story. Am I doing something wrong? By the sounds of it a lot of the offices I call make it seem like they asked to be removed from these lists and never were.

\*EDIT: I've been corrected by a few people-- The person I was interacting with was probably a medical technician/phlebotomist, not a nurse. Sorry for the mix-up in the title. Hi all. I have a problem, and I'm not sure what to do. Earlier this week I (24F) went to a Labcorp office to get blood tests done in advance of my hematology appointment (this is something I have to do multiple times a year). When I got there and was checked in, the medical technician\* asked me if I was there on the orders of "Doctor Smith" (fake name). I told her that while Doctor Smith was one of my doctors, I was actually there at the request of my hematologist, "Doctor Johnson." The Labcorp worker told me that there was nothing from Doctor Johnson's office in the system, and the request from Doctor Smith was the only one she could see, so it HAD to be the right one. Since she was the expert, I assumed she was right and went along with it. Well, that was a bad move. Instead of giving me the tests I needed, the medical technician\* redid ten completely unrelated tests that I had already gotten done in August. Now I found out that they're planning to charge me $220 for the incorrect tests, plus I need to go back and have more blood drawn because I still haven't done any of the tests I need for my hematology appointment. Is there anything I can do to not pay this initial $220 bill? It really feels unfair to me, mostly because I already had to pay an identical bill back in August when I got these tests done the first time. I've already called the Labcorp, my insurance, and the hematologist's office, but all of them seem really unsure about the situation. Which one should I keep calling? For extra context... I live in Maryland and make roughly $65k a year. I'm on my dad's insurance.

I’m not having a good experience with Pet’s Best. Started my policy in November for a 3yr old rescue. It has been about 4 weeks since I submitted my last claim. Emails came saying they’ve reached out to (wrong vet) for medical records. I call my vet and they get emailed to PB within minutes. Today I get another email asking for my help. I forward the same email from my vet to them. Then sign in to see they have all the medical records and have labeled them “valid”. It’s almost like they’re holding off until I get charged for another month. Meanwhile, they reimbursed for hookworm medication within a week of submitting the claim. That was my latest claim.

I’m looking for auto insurance but I keep getting ridiculous monthly quotes from $700 to $900. I’m a 2nd year college student, 20 years old had my license since I was 18, no accidents. I don’t have any car under my name, but i would be trying to get an old mercedes insured which is considered a “sports” car (family car they don’t use) for some reason. I am currently living with my parents, last time i called, progressive started charging my parents for me to NOT drive, to be an excluded driver. Which was crazy to me. I had to call and tell them I moved address. I tried getting a quote using a fake address saying I live with a friend but they started naming people in said address and asking for their DOBs (which i also read was fraudish?). I really don’t know what to do, i need to commute to school full time, but money is tight with classes, any advice ? Thanks !

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

After spending Friday with my 5 yo shihpoo in the ER with newly diagnosed IVDD, I went to submit my $600 claim only to discover my Wellness policy that I have had for the past 5 years was “expired”. I contacted Nationwide today and was informed that the policy is “no longer carried in your area and you need to reapply”. Now my dog has pre-existing conditions. I don’t remember receiving any correspondence regarding this (my policy was on autopay every month and canceled on May 1). Anyone else in a similar boat? I know Nationwide has been discussed ad nauseum, so my apologies if this is redundant.

I had a great experience with Nationwide for my previous dog, who had epilepsy and developed a lot of complications. We hit our plan’s annual limit halfway through the year, every year — and they paid out thousands without much hassle. Genuinely smooth process. So naturally, when I got my new puppy (Alfie), I went back to get a quote. But they quoted me over $200/month. I’m guessing it’s because of my history of high claims, even though this is a totally new dog and policy. I ended up going with Lemonade (for wellness/preventative) and Trupanion (for emergencies/accidents), and I’m paying less than $100 total per month. Just wanted to share in case others are running into similar pricing surprises with Nationwide. Happy to answer questions about my setup!

Back in 2023/2024 we had a tree brand fall on the A frame of our Highlander. We called state farm, they decided after an assessment a repair would do the trick. They wouldn’t let us use Toyota without paying 50% out of pocket. So we ended up using their preferred shop. Long story short, the replaced the windshield and “repaired” the A frame. It was still leaking and we went back, they “repaired it again” and it was fine (minus the water stains on the head liner). It’s been about 16 months or so, and it is leaking again. No additional accidents or anything. My wife and I are incredible tired of dealing with this. Anyone have any tips on dealing with state farm for this situation? The value of the Highlander went down 10K just from the accident alone which is crazy state farm wouldn’t give us compensation for(IMO). We honestly would prefer to have a new Camry or something at this point and not worry about mold, stains, or possible leaks again. TIA.