Hi Insurance! I had a roommate with a mental health condition who wrecked my apartment when I was gone. They had to be medically detained for mental health reasons. I filed a claim right after and included police report number in it with list of items and proof of ownership. They said they accepted the proof of ownership and claim but want me to get them the copy of the police report. Now I have to wait 10 business days. Doesnt GEICO have like backend ops team or something that does this kind of work? TLDR: GEICO wants me to get them the police report, which will take 3 weeks approximately (buffer included). Why cant they do this faster themselves?

Hi, Curious if anyone else has had this issue. From what I’ve read online, it seems to be a general theme with pet insurance and I don’t think I have any rights or avenues to pursue to do anything about it. I have had Embrace pet insurance to cover my 3 pets since December of 2020. My insurance premiums renewals for my pets, that I still have the records for have been: Dec. 2022: $112.90 Dec. 2023: $133.49 Dec. 2024: $245.76 My pets are obviously getting older from when I initially took the policy. Current ages: Cat (6) Cat (10) Dog (8) Their rationale for increasing my premium is cost of vet bills increasing, my “tenure” (I’ve had embrace 5 years therefore my pets have likely developed ‘pre existing conditions’ that would not be covered if I was a new policy holder which means more money they have to pay to now cover these conditions), and the pets age. I understand things increase year over year, I’m hung up on the fact that my rate has almost doubled in a single year. I was going to file a complaint with the state insurance commissioner, but it doesn’t seem that they are technically violating any laws. I feel like I can’t switch companies because my pets have “pre existing conditions” that won’t be covered at a new place but at $300/ month I might as well save my money and pay the vet bills out of pocket. I found online that Embrace was sold to JAB Holding company for $1.5 billion dollars in 2023. So I don’t think my premiums are going up so Embrace can keep the lights on. If you have any advice, I am all ears. If you don’t have advice, take this as a recommendation to avoid Embrace pet insurance at absolutely all costs.

I was involved in an accident where a truck ran a red light and hit me. Their insurance totaled my car. I feel the offer they are willing to pay me for the total loss of my car is low balled. Is there any room for negotiating with insurance companies or do I have to accept what they offer? Anyone have experience with in this matter. The insurance is State Farm.

Got a quote from GEICO like around a week ago for 299 and month for full coverage, it’s the cheapest one I found compared to other insurance companies charging me 2x that at 18 I called GEICO and ran through the quote with him for a 2022 Hyundai Elantra limited he said it will be 304. That car ended up getting sold I found a new car I wanted clean title not a rental 7k miles 2024 Hyundai Elantra sel I got quoted $299 for it last week. Now I did another quote for the same car it’s all the same info I had last week and now it’s at $540 a month. I called and the GEICO guy said “rates can go up” and I highly doubt they go up $250 in a week. He did say my $299 quote sounded unrealistic and they whouldnt quote that when I literally have the saved quote on my GEICO app. I’m just wondering is this normal? And I can still buy the $299 a month quote right now since I did save it but I am scared they will raise my insurance prices to 550 a month after the 6 months. I do have screen shots of both quotes but just can’t add them. Should I buy the $300 a month quote since it’s the cheapest I found or will GEICO raise my rates after 6 months.

I bought a brand new 2025 Kia K5 a few weeks ago. I financed it through Kia Finance. I temporarily unfroze my credit to do so. It has been a few weeks now, and I have received two letters (one from Wells Fargo, the other I forget) stating that my request for a loan was denied because my credit is frozen. I think Kia Finance is trying to sell my loan and they cannot. What should I do? Is this going to cause a problem?

I was charged $2500 for an ultrasound required for my high risk pregnancy. My insurance provider (BCBS of IL) states that that my portion owed is $0, due to "**Discounts Applied -** Your BCBSIL plan has negotiated cost savings for you with your provider. You may still need to pay part of the bill. Check Details of Services for details of what you may owe." Under details of services, everything states I am responsible for $0. There is no copy of the EOB for this charge - every time I look it says it is "not available at this time." In the meantime I have received a bill from the in-network hospital, stating I am responsible for the full $2500 because my insurance did not cover it. I actually have 3 similar bills just like this, but only including one for simplicity of questions asked. I plan to call my BCBSIL tomorrow, but what are some questions I should ask here? Should I be verifying my cost owed is $0 and then having them contact the hospital directly to refute the bill? Or do I need to contact the hospital directly? Or is there a chance I am actually responsible here? I haven't seen this "discounts applied" verbiage before, so I am a little confused.

I am due to give birth end of May. The hospital that my obgyn is partnered/contracted with is where I went on 03/01 because I had a pregnancy scare. I went straight to Labor & Delivery and was there for a couple of hours. The on-call obgyn is the one that saw me. I have NOT received a bill yet, only an EOB from my primary insurance, stating that the claim was denied. In the EOB- it was stating that the hospital is an out of network facility. However, I’ve spoken to my insurance directly few different times who said the hospital that I went to indeed is an IN-NETWORK facility. Now the last agent I’ve spoken to today told me “address where the service was rendered is confirmed to be outside the network for the facility. Here is what adoress of the facility showing on the claim” and it’s a complete different address than the hospital I went to, like in a whole different state. The first agent that I spoke a couple weeks ago stated the claim type says “outpatient hospital non contracting”. The last time I tried contacting the hospital themselves, the agent was saying I need a bill/statement account number, which I didn’t and still don’t have because I was never sent a bill as of today and he said to wait until I get a bill. It’s been over a month and I still haven’t received a bill from the hospital from when I went to 03/01. I was going to explain my situation and how I still haven’t received a bill but the billing office is now closed. I do have secondary insurance but they didn’t even receive a claim from hospital, which I am assuming they didn’t even bill my secondary. I’m just so confused and overwhelmed! Does this sound like the hospital submitted the claim incorrectly?

I looked online for a quote for pet insurance and the people at RSPCA have called twice already trying to get me as a customer and when I say no because I wanna look around at other options… they ask if I wanna sign up until I change my mind and then cancel So annoying Does this happen to anyone else ?

Virginia Medicaid (cardinal care smiles) helped me see a dentist for the first time in a hot minute. Long story short, I just received correspondence that the crowns I need have been "partially denied." The exact denial was worded as, "We decided to partially deny the request.". They did not elaborate on why. What do I do from here? They stated "Your provider can ask to talk to our dentist that made thsi decision." So, do I have to reach out to the practice to REQUEST they advocate for me? Or were they also now notified? I was so excited to finally make headway with my dental health. I'm feeling like the grandma from that one scene in the incredibles right now haha. Thanks for any and all advice.

I enrolled my pup in Pet Best insurance last year, including the wellness coverage. I submitted a claim for a vaccination on April 19, along with the receipt and clinic record. It’s now been over two weeks, and the claim is still listed as "pending review" with no updates. I’m confused why it’s taking so long—wellness claims shouldn’t require checks for pre-existing conditions, and there’s no deductible involved. What exactly needs to be reviewed? Thankfully, it’s a small claim, but I can’t imagine the stress if it were a large expense. Has anyone else had a similar experience with Pet Best?