Ok, progressive is sending me a massive rate hike for next month, and i've had it. I need the literal cheapest option, for insurance prices , here in CA. Its insane. I cant pay 1000 a year for a crappy car, so i need the affordable answer. Hope someone has answers out there. hope.

I was in a car accident yesterday. A person ran a red light as I was entering an intersection and ripped across the front of my car. Bumper cover was destroyed, and the hood won't open now. Unfortunately there were no witnesses (no one stopped, anyway), and the other person's insurance company (Allstate) says I'm at fault (I suspect the other driver lied about running the light). Is it worth the effort trying to sue for what is likely to be $10,000 or less in damage? Will it be possible to get an attorney to take such a small case?

We purchased Spot Pet Insurance for our newly adopted rescue Golden and chose “Accident” insurance only . They happily took our application and all monthly payments since July 2024. Over the weekend, he suddenly became lame on his back right leg and was very reluctant to walk or stand up. We know it occurred between his am walk and 3 pm. After taking him to Blue Pearl and getting imaging done as well as pain meds, we submitted our invoice for reimbursement. DENIED. Reason why? We didn’t have the EXACT time of the injury. I submitted an appeal, but if it’s denied we are cancelling. We would be better off putting $100 bucks a month away in his own health account. What a bait and switch!

I have been dealing with new health issues and it’s freaking me out. I was previously on medicaid under my mother but became ineligible after I turned 19. I cannot enroll for myself because I was denied twice already for other reasons/don’t meet this “qualification.” Before that happened, I was with a provider who ordered a scan for me that showed something but I had to cancel the appointment after losing coverage. My mother then unfortunately put me under a plan under UHC but after I started having issues with them (plus all the things that’s been said about them in general), I’m thinking I should look for another. I’m not sure where to go from here though because it’s passed the enrollment deadline since a while ago and I do not meet any of the special circumstances to enroll. Both of my parents are on medicaid so that’s not an option for me anymore. (for context I am 20F in college, currently don’t work a job, and from Illinois)

I need some opinions on what to do. This is an odd situation. In past “pay up front cash” dental visits, the dentist offices, with a week or two, returned to me the covered expense/reimbursement from Blue Cross after they submitted the claim. However, this time, I went to an oral surgeon bc I needed a molar extraction that was complicated. I paid $1800 up front on credit card no problem. I would’ve paid double that with all the pain. About a week later I saw that I was covered for ~ $500 on the claim. A check was sent to oral surgeon’s office. When I called them they told me they were processing it and to be patient. This was a couple MONTHS ago. I last called on Monday 7/21 and was literally told, “check’s in the mail”. That’s pretty funny, especially since it is now Friday night and, of course, no check. Something quite fishy about this. I wonder if Blue Cross can do something. I’m interested in thoughts on this. TIA!

I cancelled my Direct Auto policy before payment was due in June, I got a letter in the mail saying I owed direct auto $289.45... I called them and wanted to know why I owed money to them when I was caught up and decided to cancel it. I only had their insurance for 3 months before I decided to go to progressive and cancel their insurance. When I was canceling the insurance over the phone in June, he didn't tell me I would owe money or anything like that. He just said "Okay, I can cancel that for you. No problem." No warning about having to pay the remaining balance of the policy or anything...

Going through Reddit before I got my Italian greyhound puppy, I came to the conclusion that dog insurance was a NECESSITY with this breed. I did a lot of comparing companies as well as reading reviews of each company with different scenarios and decided on embrace. I currently pay ~$70/month and it’s been so worth it for me! Deductible of $250/year with 90% reimbursement afterwards. Well my Finn boy fractured his leg and we were devastated and overwhelmed by the guilt/fear/etc. We went straight to the ER and found out he needed surgery to have it repaired. (~$6,000). By reading the contracts and stipulations of the insurance agreement I knew it would be covered and there was no way we could have afforded it without insurance. It did take a lot of hassle on my end. I had to call them several times to get my claim moving. I had to submit all of his documents (several different times). After calling a 4th time and them claiming they did not get the documents I ended up emailing the records to them as well. My claims were then put on “hold” due to insufficient documentation. I was at my wits end trying to come up with anything else they could possibly need. I called again explaining absolutely everything and the worker put notes into the file and sent it back to the adjusters. FINALLY a couple of days later (1 month total of waiting) I finally got reimbursed 🥳. It was such a shit show but I was so relieved that it covered basically everything. My only complaint is that if you don’t pester them they don’t get anything done. The workers told me that the first claim always takes the longest to process and the next ones should only take a week or less. I hope that’s the case- hahah!

I have auto, home owners, etc and recently applied for Long Term Care Insurance with Nationwide. I did the application over the phone with the agent, then did the (hour long) Q&A. A few days/approx a week later, I got this email from the agent "Nationwide approved your application for CareMatters II Life with LTC policy." I thought the vernacular was strange, because if an application is complete, the 'application' is approved but the policy isn't. I decided to let sleeping dogs lie and left it alone. 1+ week has gone by and still no policy. I followed up with the agent and was told "they would be in touch “shortly” with an updated timeframe". A week goes by and nothing. I called the agent and he looked in the Nationwide portal and said the policy is still processing (I don't recall the exact term he said). Does anyone understand what is going on? Is Nationwide still reviewing my healthcare records? If so, why would the agent conflate "approved your application" with the more colloquial "your policy is approved".

This question is more a curiosity than anything. I have a dead 25-30’ tree leaning towards my house and an arborist confirmed it is an imminent to my home and must be removed. When I contacted my homeowners insurance, they said they would only cover damage to my roof if the tree fell, but wouldn’t cover the removal of the tree. What’s the logic behind this? I’m sure some actuary determined it just cheaper to deal with the roof, but the face value cost of replacing likely my entire roof versus the cost of removing the tree it seems like a no-brainer. I’ve already accepted that I’ll need to pay for it, I’m just curious if any insider insurance folks can clue me into the reasoning here. Thanks! ETA: Okay, I get it now. Thanks to all the folks who gave helpful responses, it cleared up a lot and might have saved me from a big headache!

My wife and I recently opened a BusyKid checking account for my 8-Year Old son. We fell for the advertising for kids bank accounts online. BusyKid (BusyKid.com) advertises that they are a smart way to teach kids banking. For an annual fee of $48 (obviously high for a checking account), they have an app that allows parents to manage the child's money, set amounts they can earn for doing certain chores, etc. Kids even have the ability to send money to charity or invest in stocks. The app is fairly user friendly as well. The app i thought justified the high annual fee.... My son used the ATM for the first time yesterday. I had to show him step by step how to use it. The first question the ATM asks is if you'd like to see your balance. I encouraged him to select yes, so that he can view his balance before withdrawal. Today, we were reviewing his transaction and realized that BusyKid charges $1.00 for a balance inquiry and $1.50 for a withdrawal (on top of the ATM fee). To say that this shocked me is an understatement. I mean this company advertises that is protective of child spending. A fee for balance inquiry? My 8-year old does not have a phone. How else is he to check his balance? For whatever reason, I glossed over these fees when opening the account so thats a shame on me. But still, this seems predatory. For a company that is aimed toward minors, unneccessary fees like that is infuriating. Anyway, that account is closing today and I am going to do everything I can to alert people of this fraud of a company. TLDR: BusyKid charges fees for Balance Inquiries and ATM withdrawals to minors who dont know any better. UPDATE: I want to make clear that I take full responsibility for opening the account, and I wasnt duped into signing up. The fee's aren't hidden, quite the contrary, they are right out in the open as we were emailed a notification of the charges. It is only a $2.50 mistake, and also a little life lesson to myself and son to read everything before signing. Hopefully BK gets rid of those fees because everything else is really attractive for managing a younger kid's money.