I unenrolled from snapshot because it was tracking a majority of instances where I wasn’t the driver. Do you think they will increase my insurance based on the data they have already? It’s only 14 days worth.

hello! i know my issue isn't major, but I need help as I am desperate to solve this. Long story short, I had medical for the longest time and never had any issues until January when I was informed (when trying to make a dentist appointment) that I had a UMR blockage. I was confused but was told to call medical and get it resolved. I called them and they said to get in touch with UMR whcihc I tried but was beyond useless as they ask for a member ID which I stated multiple time I DONT HAVE, and after somehow bypassing the answering machine UMR tells me they have no records of me ever existing and to basically die in a ditch as they just hunged up on me. I explained this to medical, and they made me fill out a form to remove "other healthcare coverage," and it should be removed (I did this twice, btw). It in fact was not as I tried to make a dentist appointment again and same thing: "UMR blockage. please take this up with medical". I called medical again, and they gave me a case ID and told me to ask UMR for a "coverage termination letter," which I tried to do, but again, they told me, "We don't know you we can't do anything" and hung up on me. I explained this to Medical, and they filled out a form (the same one I did), and it should be resolved, yet I don't know if it actually be. Also, worth to mention one of the workers I spoke to told me that the UMR policy I was under was my uncles, whom I have had no contact since like five years ago and have no connection with at this point, the alleged policy began in 2023 so I don't understand how this even happened:C when I tried to report the fraud to medical they said "you cant report it here, report it to UMR and then we could try to remove the block because until then we cannot remove an active policy by law" But UMR has been beyond useless and I'm scared because I have a cavity and I know its not serious but I am afraid it could get worse Im just trying to see if anyone was in my same situation (which is very unlikely) or if I could get any recommendations on what to do because I don't know how to proceed anymore and this just pmo. Anyways thank you to whoever read this and pls help

yesterday morning i got into a fender bender. i was waiting at a red light on a 3 lane road. left lane is a left turn/u-turn lane. middle lane (the one i’m in) is a straight only lane. right lane is a right turn only lane. the light turns green (i’m first in line at this light), and i slowly start accelerating (i have become a very defensive driver because the city i live is filled with actual idiot drivers, so i never take off at an intersection for fear of someone running the red and t-boning me) to cross the intersection. all of a sudden, a car is in front of me and hits the front right of my car with the front left/side of their car. she was in the right lane and made a u turn from there (or was trying to). i feel like it’s pretty straight forward that moving to the left in capacity from a right turn only lane puts her at fault, but i don’t know how this all works. i recently turned 24 so my insurance is still a bit high, and im waiting until 25 to get comprehensive collision when it’s more affordable for me. so, i’ve had to file through their claims, bristol west. i didn’t call the police for this accident; i was rear ended really horribly two years ago in this same town and it took 2+ hours for a cop to arrive. i have a large event happening at work this week and i legitimately didn’t have the time to spare to wait for an officer to show up. neither of us were hurt, and the damage isn’t too horrible (from what i can tell) so i couldn’t risk missing my morning at work. i know this isn’t great as a police report would help with the story, but i can’t change the past. does anyone have any experience with this? the girl who hit me was very apologetic to my face, but im worried that her story/her insurance (known for high-risk drivers) will try to swindle me and i don’t have my own collision insurance. does this seem straight forward enough or am i in for a headache? thank you for your help, advice, and guidance. edit: would it be worth it to go on my cities FB page and ask if there were any witnesses? it’s a pretty common intersection and my city is relatively small. also, should i contact the police department to see if there is intersection footage? i just want to be as prepared as possible since i don’t have any dashcam footage. thanks

Hi everyone. I brought my 5 and 9 month old kittens for a wellness exam this morning to show there are no pre-existing conditions to Trupanion. The vet ended up noting that there was a very small amount of tartar on just one tooth of each cat, and it was so mild she didn’t even know if it was just food residue or tartar. It also took her multiple tries to even see it. She did however note that the dental score for my cats are both 0, meaning there is no sign of disease or tartar (?). Trupanion is now saying that for the rest of my cats lives, any dental issues (other than accidental breaks) won’t be covered since it is a pre-existing condition. I’m at a loss for what to do… I know cats often need extractions and I chose Trupanion for their dental coverage. It is so frustrating that because of that one finding that was so mild, nothing will be covered. Does anyone have any experience with this and any advice? I’ve read somewhere that someone had their vet write a note saying it was not a pre-existing condition. Has anyone else heard of this?

So like the title says I had 2 doctor visit back to back days. One I saw the PA and the other I saw the NP. But the medical claim with my insurance says I saw the doctor. I received a bill from the clinic stating I owe an additional $76.93 for the PA and nothing additional for the NP. Both doctors are from same clinic but different specialties. I reached out to my insurance and they said it was both bill coded as me seeing the doctors. Is this correct? I reached out to the billing department of the clinic and it’s been almost 2 weeks and they haven’t gotten back to me yet. Is this correct? I paid $220.63 both times (I have a high deductible plan) I think. I don’t have a copay - I pay for everything my insurance doesn’t cover(which they don’t cover very much) If you have more questions to help answer this let me know. In the last month I’ve spent $1600 in medical and I want to make sure I’m being billed a surplus amount. Edit- I’m 29F from Texas and I’m insured through my job with UHC

Struck my uninsured motorcyclist. Car incurred 17,800 in damages. Claim against my insurance in Florida (geico). Car is a 2020 dodge challenger with 60k miles. Geo is saying the total loss threshold is 75%. But everything I find online says Florida is 80%. But when I read the actual statute it reads as though it may only apply to uninsured vehicles. I believe the kbb on the car is between 22.5 and 25. Which means that 5% can make or break this car being totaled. The car is paid off and I want to avoid it being totaled at all costs. I was also told by geico I cannot get a second opinion on the repair costs. They have not given me the acv of the vehicles yet and are still working on it.

I signed up for MetLife insurance and literally the next day my cat ate a rubber baby toy causing a blockage in his stomach. The policy had no waiting period for injuries but a 14 day waiting period for "illlness." An emergency surgery/hospitalization later, now Metlife is denying my claim saying that ingestion of a foreign body constitutes an illness not an injury so it was not covered. I got my vet to write a note saying it was clearly an injury not an illness, and wrote an entire appeal....only to have it denied for the exact same reason. Anyone have a similar experience? Also has anyone utilized the part of the policy where you can appeal an appeal to a third party neutral vet? It says I would have to pay for it but I am wondering if anyone has even had success doing that?

Non-working graduate student recently approved for Medicaid, but prior to this I had purchased my schools shitty student coverage. Obviously, the coverage for Medicaid beats the school insurance. I called the school insurance and asked them if I could cancel because I want Medicaid as my primary insurance but they told me that is not possible and won't give me a pro-rated refund. I paid $2000 at the beginning of the school year for the insurance for the whole year coverage, and I figured they would be able to refund me a portion of that since I wanted to cancel, but they seemed appalled I even asked to cancel and told me to kick rocks. It wasn't even the insurer, it was the insurance broker who told me this. Am I stuck with school insurance as my primary and Medicaid as my secondary? I don't want to just stop using my school insurance and start using Medicaid as that would technically be insurance fraud? Sorry if this is a strange question; I am not well-versed in this world. Thank you for your time

My policy just renewed this month, my overall policy went from $2300 to over $2800. I had an accident back in 2023, very minor rear end tap. (I was at fault) the other party didn’t bring litigation against me until 2 months before the statute of limitations went up this year in april. My insurance company did pay out the settlement, and I was told I did not have a surcharge from this incident, and that if my insurance was to go up from this accident it would have happened in 2023 when the accident occurred. My insurance company (USAA) informed me of a state-wide increase being put into effect and that this increase on this renewal was only a portion of the overall increase. I’m just very confused, and unsure how it would increase that much if it wasn’t from this prior accident, and my driving record outside of it is totally clean. Been with this ins company for 6 years now, and I don’t want to switch as i’ve enjoyed it thus far but feel like I have to now that i’m being priced out of it. anyone in massachusetts have any insights?

Location: Ontario,Canada Background: February 2023, I had been working for three months at a manufacturing shop when a new welder was hired. He came in with no mig tickets, but had 10 years of experiance welding stick. My first mistake was trusting this guy because of his "experiance". My second mistake was agreeing to help him when I was still new to welding. I had my mig tickets at the time, so my foreman asked me to tack up a train part while the new guy held it up. I had everything ready, than I had a gut feeling something bad was about to happen, so I turned around to grab some clamps. He let go of the steel plate... HE LET GO OF THE VERY HEAVY STEEL PLATE! Next thing I know the old guys I work with are rushing over, getting this part out of my boot and off my foot. Yes I was wearing steel toe boots, but the plate feel off the table at an angle and slid under my steel toe plate. The guys ended up sitting me down as I passed out. When I came too, my formen drove me to the hospital where I had to get the bottom of my toe stitched up because the pressure blew the bottom out. Doctor: Imagine your toe is an ice cube. Now smash that ice cube with a hammer, and that's your toe. I whent to work the next day because I'm stupid and figured it would show my dedication to earning an apprenticeship and show them I was willing to work through anything, even pain. The bones in the toe kept spreading, so I ended up getting constant infections causing me to need the first section of my toe removed about 6 months after the initial Injury. After my first surgery I noticed what was left of my toe was turning black and the bone was visible. They tried taking the dead skin off and giving me two stitches unmedicated, but the toe kept dying. I ended up getting the rest of the toe amputated. I've had a C-Section, and I'd much rather have another one, then going through a toe amputation again. That's how much pain I was in. I was off for 10 months. I got paid medical leave through WSIB, but I lost 10 months of hours, 10 months of traning, my tickets expired, they refuse to give me an apprenticeship now, I have to bag for jobs. My question: Do I have the right to compensation? I'm 27, never getting my toe back and my feet are in constant pain. Favoring one foot is causing the other issues. It's a back and forth battle. Because I'm young and have to still work on my feet for the next 40+ years, the doctors don't know how my feet will hold up. I'm not looking forward to the future and my mental health crashed because of all this.