I got a BMW from Auto Trader in October. The garage I got it from was dodgy as fuck but the car seemed fine. After 3 weeks oil all over my drive way, since then been in and out with constant problems. (Engine coolant system failure, new control module, new turbo with new gaskets and turbo actuator). I took the car to my regular garage since the one I got it from was dodgy (I understand now this was a mistake), I phoned the original garage and since I never took it in to them they’re saying there’s nothing they will do. Since Christmas I’ve had the car for 13 days, have it a couple days then in the garage it goes, constant problems. None of this is my fault, the garage has confirmed this, I know how to look after a car. £4,000 roughly in garage costs. Plus the money i’ve been spending on finance etc on a car I do not have. Can anyone please give advice on anything I can do to be reimbursed on some of the money I’ve spend since none of this is my fault and the car is so recently in my possession. I have been in touch with finance company (Carmoola) just waiting for the final receipts from garage to forward them.

Hey so I buy my own medical, dental, and vision insurance from Anthem rather than going through my employer. For the 2nd time, Anthem has decided to drop my medical coverage without telling me. The last time this happened, I had to get on the phone for 1 1/2 hours with them and they still couldn't identify why they dropped it. Instead they gave me some bullshit reason - "our records say you already had an active plan so we dropped this one". I don't have any other active plans. I'm 100% sure of this. I had to go through the re-application process again in December and purchase new medical coverage. Fortunately, I'm young and healthy so this isn't hard to do but it's deeply frustrating and I had to push my yearly physical forward because of it. Fast forward to now (April), I log into the Anthem portal and I see medical coverage is dropped again as of March 1st. Vision and Dental are still active but Medical is inactive. I tried calling them today (Sunday) but of course they only work M-F 8am - 5pm. The frontline phone operators are useless. ChatGPT does a better job than them. Has anyone else had this experience? What was the resolution? What can I do to prevent this moving forward?

So the title basically sums it up. I had I guy scrape the paint off the driver side front fender and a little bit off the side around the wheel well at a gas station about 4:30 am after I got off work. I got their insurance info and pictures of the damage, ID, and insurance info (Progressive). Someone gave me their number to act as a witness and it's on the video at the gas station, and the gas station employees know me from stopping by after work and said they'd act as witness too, so I didn't think it was worth calling the cops over. The problem is, is that Progressive wanted me to use their website/app to take pictures of the car and then a video of the car (inside too for some reason). Honestly it seemed like a bit of a hassle. Any other time I've had something like that happen I've just had to take it to a shop and it gets fixed. The car was in perfect condition went it happened, which they asked about when I was filling the initial claim. Unfortunately I put it off for a a couple weeks since my working nights made it so it was dark when I got home and the sun was going down when I got up to leave for work (this was about a month ago when we had less daylight), and off course I procrastinated like I shouldn't have since the car was fine to drive. Then, about 2 weeks later, I was driving home after work and was in this stretch of the highway that is really dark when something hit my car HARD. I didn't know what it was, it was just some black blur that I didn't have enough time to dodge. I pulled over really quick cause I was dragging something and I didn't know what condition my car was in. Turns out I was dragging a chunk of my fender that was broken off. Luckily my car was drivable, but I had a hole about a foot in diameter taken out of the front fender closer to the passenger side of the car. I walked back up the highway and it turns out the semi I was behind shredded a tire and it just ripped threw my car. I've seen people hit by those before and it's surprising how much damage they can do. I honestly thought I'd have more damage from the sound of it and from the feel of the impact. Now my problem is both that I didn't get the semi truck's info so I can't have them pay for that damage, and because it happened before I made the video I now have damage to the same piece of the car that was mainly damaged by the the guy at the gas station. So I've just been stressing out about how to deal with it, not knowing how I should go about handling this now that it's gotten complicated. I swear, I go years without trouble then get hit back to back. So when looking online to help figure out what to do, I found some similar stories on Reddit while trying to navigate this, but none that fit me specifically. So I'm hoping I could get some advice on how to best deal with this, or at least someone that can let me know what to expect. Sorry for the length of post, and I appreciate any help!

Insurance company sent an inspector. Contractor said roof is in amazing condition but there's always a but, since the roof is over wooden shakers it has to be replaced!!!! My agent is a total pain, she just says get it done, sure no problem because I have dam neat $16,000 to do this.🥺

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!

Is there a difference in how United Healthcare covers their insureds if it’s through the workplace vs the ACA (marketplace)? I currently have UHC through my work and it’s not as bad as people say. I’m thinking about retiring early and getting UHC via the marketplace but I’ve been reading there is a huge rate of denials or delays for basic care. Is there a difference between the two? Anyone had UHC via their work and then switched to the ACA UHC?

Hi all! So I'm in the appraisal process for my homeowners- mine is a hurricane claim (wind only not flood damage). Do they halt processing stuff like ordinance in law while they are in the appraisal process? What about personal inventory items (yes, 5 months since milton and they have done nothing with that)? I want them to see the house stripped down so we still have another month until appraisal. What should I do? I have waited a very long time to replace things. I need stuff like a frige and other essentials. Atleast for the personal items i feel like i should get atleast an "estimate/supplement" thing generated before they start using it as a tool to negotiate paying me less.They said it will be resolved at the end but they have not been forthcoming to resolve anything nor do we see an end in sight. We are kinda going out on a limb and assuming that we are going to sue even after appraisal. It's Florida and this is with citizens if that info is relevant.

FIGO Costco pet insurance. I’ve been paying $133 a month for a healthy dog. They literally only pay $50 a year toward vaccinations. I went ahead and cancelled. I just can’t justify such poor assistance for these expensive vaccinations. His vaccinations and annual checkup is $300. I am considering setting up a savings account dedicated for my dog. I should have read the fine print.

Hi everyone, I’m a female in my late twenties, not pregnant, and I live near Bowling Green, Ohio (Wood County). I’m on Buckeye Health Plan and have been with them for about 3 years. Overall, it’s been fine. I like their 24/7 nurse line, free dental coverage, and that they cover out-of-state ER visits. I travel a lot to Florida, so that’s been very helpful. That said, I’ve noticed some limitations, especially when it comes to finding mental health providers. Another limitation is medication coverage; sometimes, even when the generic version is unavailable, it’s still difficult to get the brand-name approved. I’m considering switching to a Medicaid plan that offers more options and benefits, especially in case I face bigger health issues like surgery or serious illness. From my research, CareSource, AmeriHealth Caritas, and Humana Healthy Horizons seem to have the best options. I also like when plans are good with technology and keep their websites up to date. The problem is, after searching Reddit and reading different posts, the opinions are all over the place. Finding a provider is not a problem, and I’ve already read what each plan offers. They all seem good, so that didn’t help narrow it down. I just don’t want to switch and then be stuck with a plan I don’t like for another year. I’d really appreciate hearing from anyone who has experience with these plans and could recommend a good option.

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.