My vehicle needs a new windshield. It’s a lease and reading the agreement, it says the following: You are responsible for repairs of all physical damage that is not a result of normal wear and use. All service and repairs must be made with new and genuine manufacturer’s original equipment replacement parts, regardless of the terms of your insurance policy. Does this mean it has to be OEM? I have GEICO and they said they will not pay for OEM.

My employer is putting our retirement funds (and a very nice match) into a TIAA Group Retirement Annuity account. I really don't want my money in an annuity, but there are no other options through their retirement plan, and the match is too good to pass up. Barring a major incident, I will likely work for them until I retire, and I don't anticipate taking the annuity upon retirement because it won't be enough to live on. Moving money out of a GRA takes 10 years, and I don't think I can start that process until I leave the company, leaving me in a potentially bad spot for up to 10 years after I retire. Does anyone know if I have an option I'm not seeing? I am putting money into an IRA as well, but not nearly as much, and I anticipate the bulk of my retirement savings will be tied up in this idiotic GRA.

Hello! I have a 4 year old dog and I am looking to change my policy from healthy paws. I think they're great but I hate that I have to pay for yearly vaccinations/checkups and dont get re imbursed. Any recommendations for a good insurance that has a low deductible and will reimburse annual exams which include vaccinations, possible dental care and flea meds? Thanks in advance!

My father died and we are in process of cleaning and getting ready for resale in Illinois. I called State Farm and explained they told me the renewal in October may be subject to non renewal. And said to add a vacancy clause will be very expensive. Should I shop Around now or wait? I am executor. What happens to utilities if house isn’t insured? Someone told me they get turned off.

Location: Georgia I rented a car in canada, but am a US citizen living in Georgia. The rental company (Turo) is claiming damage that I did not cause and wants me to pay. They say if I do not pay they will “send it to collections”. The company does also exist in the US, but since the rental was in canada, do they have any ability to try and collect from me?

Hey all, I'm looking for advice on an issue that's been bugging me. I went to the orthodontist office regarding wisdom teeth extraction (in network). They already charged me a $200 consultation fee (This, I know isn't covered by my insurance). They told me my insurance isn't covered and that I can pay upfront and they can send a claim to my insurance and if it's covered they'll reimburse me. So I paid upfront, did my surgery and healed. 12 days later, I called my insurance for a follow up and I found out that there was no claim filed. And in fact my insurance DOES cover the extraction and bone graft. Im only supposed to pay 20% while insurance covers 80%. So we called the orthodontist office and told them they need to file a claim because they're in network. The front clerk basically said she'd relay the message to the billing team. Few days later, no claim was made yet. Best believe I called every single day until the matter was fixed. So finally I see a claim that they've made after 2 weeks of constant back and forth. Take in mind, I paid $5,356 out of pocket. My charges were $5,000 for TWO bone graft. $268 for the extractions and $88 for the anesthesia l'm assuming because it says "Ir". They filed a claim for $5,000, I immediately called my insurance to find out what they filed for. Apparently they filed for a completely different treatment than what l've done. And guess what? Whatever they filed for isn't even covered by my insurance. I definitely feel like this office is trying to rob me and get away their fraudulent behaviors. I spoke with the oral surgery department from my insurance and he called them today, confirmed my treatment with them and told them they need to submit a new claim for the correct treatment. Insurance told me to give it a week, if nothing is done, call them back and file a formal complaint. Will this do anything? I'm anxious and I just want my money back. I learned my lesson 100% and will NEVER pay upfront for something that should be covered by my insurance.

Hi all, I'm running into a pretty frustrating issue. I have called like 50 clinics in the Austin area and even though they appear on the list of clinics that take my insurance, they don't. Is the only option to pay out of pocket? My son is 3 and has a delay that was diagnosed at 2. We had speech therapy for a while and he is doing a lot better, but I am having issues getting it covered. I have an Aetna plan that is self-funded through my employer. If I could find a clinic, they would cover the sessions at 100%. My son is 3 and I have called the school district, but they said it would be next school year before they could assess and set him up, if his delay is even serious enough. He does not have autism, he has no other markers for it besides the speech delay.

Hello all, I was involved in a crash Saturday night around 11PM. I was in the backseat of an uber with two friends when the uber driver allegedly ran a red light (according to the other people involved in the crash) and we got in a pretty violent accident. Luckily everyone in the uber walked away unharmed expect for me. I dislocated my finger (it was sideways after the crash) , and I walked into the hospital ER (we crashed a 5 minute walk from a big hospital in our city). I was treated and had it put back into place, and now have a follow up tomorrow. I am expecting this will continue to affect me for months. I am a student, starting grad school to become a physician assistant in August. This is going to affect me in school as I will struggle to type and struggle to be able to learn the hands on clinical skills for at least first first part of the semester. This has so far been extremely painful and I am only beginning to know the extent of medical treatment I will need and recovery timeline. This was also an extremely traumatizing and upsetting experience for me. After the accident, police were called and they spoke to me and the other riders at the hospital. I also believe the other people in the crash filed a report too. When I got home from the ER I spoke with uber and reported everything and their insurance is supposed to reach out to me. I already provided my ER discharge papers and pictures of the injury. What are the next steps here? Do I just wait to hear from uber? Also, what are my chances of receiving real compensation for my pain and suffering (like a couple thousand? Or should I expect less than that?) Thank you

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

So I can upload my gap contract and everything if need be but my car was totaled (hit a deer) and they said they figure it out by my total owed at time of loss was 21,187.49 subtract insurance settlement 18,179, then they said insurance took off $1,866 due to condition of vehicle which was just normal wear and tear deductions. So l'm left with $1,141.99 GAP benefit. So they're saying my base vehicle value according to CCC was $19,416 then they subtracted $1866 due to condition adjustment then I'm left with adjusted vehicle value $17550 + tax title and fees comes to $18679 minus my $500 deductible. So l'm left with $18,179, and then my insurance said my actual cash value was $17550. So am I getting screwed here? https://ibb.co/7JHOdYML https://ibb.co/NdpH9f59 https://ibb.co/sJP16tQp Gap contract. It's through EasyCare.