I’m looking for a new dentist and almost every dentist I calls either is out of network for Anthem or isn’t accepting new patients. I have an HSA account so I have the funds to cover any fees that I might need to pay currently but I’m unsure moving forward if I should just drop my dental insurance and just move to a dentist that I like? I need some crown work currently so I could get that work done before dropping insurance but otherwise I just need regular cleanings and an occasional filling here and there.

I got new policy update and they was telling me that I can't get any better rate because I had 3 accidents it wasn't my fault. 2 of the accidents just policy report but never file a claim or follow up since it's not bad damage. Any advice how to take on this??

So I recently opened a new policy with GEICO for my car. A few days after opening the policy(march 2025), they added a driver without contacting me or giving me any notification. That alone increased my premium $450. The driver that was added is my GF that doesn’t live in my household or is licensed to drive(never got a DL). They claim I added her in a quote but i didn’t quote with them since ~Nov-Dec 2024(she visited during this time and left in Jan)I know you’re supposed to include any person in the household in a policy due to liability but I’m currently living alone. GEICO also claimed that they use “DMV records” to add drivers to policy on behalf of the customers if we didn’t do it already. That couldn’t be the case since my GF had no affiliation with the DMV in my state. Any advice on this matter would be appreciated

Hi there, I was in a car accident in DC that I believe was not my fault. I was attempting to turn left (had been sitting at a light for awhile). When the light turned yellow, it appeared clear and I began to turn. Out of nowhere, someone sped up and rammed into the driver side front corner of my car, going so fast he drove onto a curb, taking out a park bench, two small trees, and a trash can in the process. No airbags deployed on either car and no one was injured, luckily. Police came and we gave statements, but I got the police report back, which was rather sparse - there was nothing in the statement section, no one named at fault, and only a rudimentary sketch of the impact. Policeman told me he gave the other driver a ticket for running the light and failure to produce evidence of insurance. Since the other driver likely did not have insurance, I started a claim with mine. I have a solid policy through Travelers with uninsured motorist coverage, $500K bodily injury, $100K property damage limits. I just learned that he is now claiming he was injured (despite walking around fine, assuring me he and his passenger were totally fine that day), got a lawyer, and is saying I "T boned" him and am at fault. I did not -- his car was barely side swiped and the damage is due to him running over all of those objects. I also did not accept responsibility then or now, and I gave my statement to my adjuster. I've never been in an accident before, and now it seems it is his word against mine (to my knowledge the intersection did not have cameras). I guess it doesn't matter if it is determined to be my fault partially, or even wholly, because I am well insured either way. I just can't help but suspect he is trying to use my insurance to cover his own recklessness and failure to obtain insurance. Does anyone have experience with Travelers in a situation like this? I know at a certain amount they are likely to settle, but it doesn't sit right with me that this dude is likely to get a payout that I am effectively covering for him (and my premium will also go up).

My father was heading home 5 minutes away from home actually. When I got a call from him saying that he had been in an accident. Since it was five minutes away, I rushed over there. When I arrived, a nice lady approached me while I was recording saying that it wasn’t my fathers fault and that the other two cars involved, a Charger and a Camry were racing, speeding down the street while swerving in and out of lanes. I spoke to another witness who blamed the Charger for going 80 mph in a 40 mile zone and said that the Charger caused the accident because he collided with the other Camry. All I know is that my father got hit, the driver of the Camry was taken to the hospital. Now, my father being the nervous man that he is told the officer that he was already turning left into the resident street. My father speaks very little English. Well the officer automatically blamed my father saying that the speed of the other cars didn’t matter because they had the right of way. Well when my father came home he clarified to me that he meant he was waiting in the yellow lane waiting to turn left into the resident street when suddenly the Camry and Charger were racing down the street. My father explained that the Charger hit the Camry on the side which led the Camry to lose control and hit my father head on. I gave the officer the witnesses numbers. The witnesses indeed said that the other two cars were speeding and yet he didn’t give them tickets so that’s a bummer. Now the Camry got a lawyer against my policy. Essentially everyone got claims against each other. Now, GEICO, the Camrys insurer sent a letter to my father stating that they would not be able to pay for his work truck because their investigation concludes that the Charger was at fault for not having proper lookout. I need advice on what to do. Does this mean that the Charger will be paying my father? Does this mean that since GEICO is saying that the Charger is at fault then the Camry should drop the suit against my insurance company? What do I do!!!! Please help.

This is not a rant, just a breakdown of some shady payment manipulation Citi, and perhaps other banks, are pulling with their system. I caught them trying to sneak interest charges on me and got gaslit by their customer support when I called them out. I used Citi Flex Pay, which is a low interest installment plan that lets you break up large purchases. My last statement balance was \~$1800, with \~$1200 of that being on the Flex plan. This means that my actual non-flex purchases were only \~$550, so to avoid interest, I just needed to pay that amount plus my current Flex installment (which came out to $749.15 total). Here is where they tried to screw me over: Instead of giving me the actual amount needed to avoid interest, they suggested I pay $578.67, labeled as "Remaining Adjusted New Balance + Flex Plan Monthly Payment." Looks reasonable, right? Wrong. That number doesn't actually clear all of my non-Flex charges. It leaves about $200 unpaid, which rolls over and starts accruing interest, exactly what I was trying to avoid. After double checking my math, I called support to see if I was doing the math wrong. This is where they straight-up lied to me. The rep swore up and down that $578.67 would cover everything except future Flex payments (it doesn't). He told me I must have done my math wrong (I didn't). He said I must not have read my statement correctly (I did). When I told him (verbatim), "If I pulled shit like this with a client, I would be fired," he doubled down. Then he offered to take my payment over the phone, as if I would trust them at this point. I just said goodbye and hung up. This is no mistake: Citi is intentionally misleading customers to trick them into paying just slightly less than what's actually needed to avoid interest. If I had not checked the numbers, I would have unknowingly left a balance that would have started accruing interest. They know most people won't do the math and will just trust the suggested payment amount. **This is how banks squeeze money out of people who think they are paying their balance in full.** The takeaway from this: If you use Citi Flex Pay (or any structured payment plan), do your own math. Don't just trust their suggested payment. To avoid interest, you must pay: (Non-Flex Portion of your last statement) + (This month's Flex installment). If you are unsure, manually check your statement and confirm where every charge is coming from. If Citi (or any other bank) tells you a different number, ask them to put it in writing. (Spoiler alert: they won’t, because they know they’re misleading you). The only way to avoid getting screwed is to double-check their math and never assume they have your best interest in mind. I’m sharing this because most people assume their bank is doing the right calculations for them, but they’re not. If you have a Citi Costco Visa or any card with Flex Pay, always verify before paying.

I'd love to hear from anyone who has used AKC for pre-existing conditions. My 3yo Cavapoo has suspected IBD. He's had several vet visits and a specialist visit for it. He has Pets Best insurance, which was unfortunately purchased after one trip to the vet for diarrhea when he was 3 months old. So they won't cover anything GI related AT ALL. I talked to an AKC rep today who said they will cover the IBD after 12 months of premiums, even if he continues to have issues with it and has to be seen for it during the waiting period. Can anyone verify? Thanks!

Location: Silicon Valley Type of Insurance: General Business Insurance Hello Everyone! I’m looking for recommendations for general business insurance that would cover a mobile museum exhibit featuring vintage technology (computers, gaming consoles, tube TVs, etc.). Since the exhibit involves transporting and setting up valuable equipment at different locations, I want to make sure I have the right coverage for potential risks like damage, theft, and liability. We've been turned down by 10 insurance companies (Travelers, Tivly, Liberty Mutual, State Farm, The Hartford, Collectibles, Hiscox, etc.) An agent told me that using the words “mobile, vintage technology, hands-on” is a red flag for insurance companies because we're too high-risk to insure. Any recommendations on wording to use in lieu of the ones already mentioned above? Any insurance companies or brokers you could recommend? Any advice on coverage specifics or costs would also be super helpful! Thank you!

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?!

San Francisco CA, two crap cars, one driver perfect record (me), one 22 yo driver who backed into neighbor almost two years ago My umbrella went up from about $1050/yr in 2024 to $1982. Ugh. Crazy as the car and house is so much too. Thank you for any input!