I'm trying to figure out how much to ask for my loss of use claim. It took their Insurance 6 months to pay anything for my vehicle as they were still investigating aspects of the accident. I did end up purchasing a car out of my own money separately part way through but nothing that they helped with and I still had the totaled car sitting outside the whole time. I've tried to research what it should be but everything I read seems to assume that insurance pays out quickly. Geico is trying to say the industry standard is 14 days at $30 dollars a day. I did a free consult with a car accident attorney back at the beginning of it and he said to expect $32 per day for my car, but I just need to figure out how many days. If they should be on the hook for all 6 months they chose to wait to pay me.

Good afternoon, I was in a car accident in December, 2024. OP was found at fault within 24 hours of the claim being submitted, however, it took over 2 months to have my car repaired. My insurance company only covered 30 days of rental coverage and I paid out of pocket around $600 for the additional days needed. I submitted a claim to have that reimbursed and my insurance company stated they are filing an Arbitration. Is this usual for this case scenario? How long do these usually take to resolve? State Farm is OP's insurance and I have Amica.

I went to a urology visit at UIC in Chicago. The whole visit was around 10 minutes, no longer, since I was called in: blood pressure and oxigen check, a few questions about my health history and then came in the doctore that in two minutes, without even using special pieces of equipment, gave me the diagnosis. Only few weeks ago I recevied the bill and surprisingly I was billed twice: one bill for the doctor service and one for the use of the infastructure tislef. Basically the doctor just "rent" the room and equipment and provides the service. For the first bill, the total was covered by insurance excpet a small co-payment ($40), but the second one is covered only partly . It was $460 and after reductions, I have to pay out pocket, 250$. The code associated with this item is 99204: "New patient office or other outpatient visit, 45-59 minutes, Level 4" (https://www.ama-assn.org/practice-management/cpt/cpt-code-99204-new-patient-office-visit-45-59-minutes#:\~:text=Additional%20CPT%20resources-,CPT%C2%AE%20code%2099204%3A%20New%20patient%20office%20or,outpatient%20visit%2C%2045%2D59%20minutes) If you read thorugh the link above, this code should be applied when: "Office or other outpatient visit for the evaluation and management of a new patient, which requires a medically appropriate history and/or examination and moderate level of medical decision making. When using time for code selection, 45-59 minutes of total time is spent on the date of the encounter." Basically, none of these createria were met. Even if I descalate to Level 3, it still require 30-44 minutes and a thoroughly examination of past and current conditions. Now, what actions would you suggest me to do? Trying to reason with the hospital itslef or can BCBS help me with this matter? Fortunately, I can afford to pay this bill. But it is just frustating that it's literally a mafia, a scheme out there, and nobody does nothing. I can't imagine the people living paycheck by payecheck and being frauded by private health.

Hello, I'm new to having car insurance, when I enrolled progressive the asked me to enroll in snapshot to get "an special discount" after signing up and realizing the app had to run always on the background I deactivated it. The thing is I've been getting emails from them saying reactivate it to keep your discount. Is it really worth it to have it activated? I've seen some people saying their rate actually went up by having it on.

I'm probably going include an annoying amount of detail, so feel free to skip to the tl/dr. A little more than a week ago, I was struck by a car while riding my bike on a sidewalk (legal in my area). The driver was turning right and only checked to his left. I slowed and thought he saw me (FL allows DARK tint). I was wrong. He impacted my tire and my knee only stopping when I stuck his passenger window with my fist. My first words were "did you even fucking look?" at volume 24. That prompted a "calm down lady". I saw red about the same time that I noticed his EMT cadet uniform. The officer who responded didn't ticket him. But the crash report is clear that he is at fault. The officer asked if I would be willing to allow the driver to pay out of pocket if the damage was property only. I'm not a monster wanting to throw barrels into the path of this young man's life so I had the wheel repaired and ignored the minor cosmetic stuff. I texted him the $33 bill from my very reasonable bike guy. He swore he would send a check. (I do not want him having access to more information than he currently has). Well guess what? Yeah. I'm just done. I want to make a claim on the policy on the police report. But it's GEICO, which us also my own insurance policy. Will the pidling petty little claim red flag me to my own carrier? Tl/dr Emt cadet hit me with a car. Got very lucky with a tiny amount of damage. Will Geico ding me if I file a claim since he failed to self pay?

My insurance denied two claims. I appealed it and they denied my appeal. I received a letter letting me know I can request an external appeal through my employer. I submitted a letter, signed doctor's letter of medical necessity, signed medical records release form and a few clinical studies showing effectiveness of treatment. I received a letter in the mail today from Network Medical Review Co. The letter states: NMR has received a request for external review and has been notified from the plan that the request is eligible. NMR has accepted the request for external review. You, the claimant, may submit in writing to NMR, within 10 business days following the date of receipt of this notice, any additional information that you wish NMR to consider in reviewing your claim. NMR will review all of the information and documents timely received, and will provide written notice within 45 days after NMR receives the request for the external review. I'm not sure if my employer would send everything that was sent to them or if I have to send everything all over again. I sent them the original doctors letter of medical necessity so all I have is a copy.

Long story short. February 12th, Progressive sent me an email saying if I don’t pay the minimum that on the 28th they would cancel my insurance BUT on February 14, they sent an email saying that they had already canceled my policy on the 3rd… They still want me to pay a full month’s bill for insurance I had for only 2 days. HECK NO. I had been fighting a case to get money back for a certain reason & they assured me that everything would work out. Apparently whoever was looking into my case, denied it (okay fine… sure) & then for some bizarre reason took it upon themselves to believe that because it was denied I wouldn’t want insurance anymore? So they canceled it themselves. Yes, I was on the phone with them about 3hrs. They all said there’s nothing that can be done but that an agent shouldn’t have the power to cancel one’s policy. If I don’t pay, it goes to collections. So why did he? How do I fight this? Please help. Thank you in advance <3

Location: Washington State I’m dealing with a housing situation that has gotten increasingly serious, and I could use advice on whether I have a legal case and what my next steps should be. I don’t qualify for free legal aid, but I also can’t afford to hire a lawyer outright. I’ve already spoken with the Tenants Union of Washington State, who suggested I update my complaint with the city’s code enforcement office on Monday because the situation has escalated significantly since I first reported it. They also mentioned I might be entitled to compensation that my landlord isn’t disclosing (either intentionally or not). I’m wondering if I should wait to hear from code enforcement again or if I need to start pursuing legal representation now. My story begins at the start of the new year. On January 6, I submitted a service request because the floor in my entryway was visibly warped and I was having trouble closing my front door. On January 8, maintenance came out, removed the weather stripping from the bottom of the door, and marked the request as complete even though no inspection was done and the root issue wasn’t addressed. At that point, I figured I had at least documented the damage in case they tried to blame me later, but I had no idea how bad things were about to get. On March 26, I submitted another repair request because there was now visible water damage and possible mold along the baseboards next to my front door, along with the floorboards becoming even more warped. In my bathroom, there was a significant colony of black, furry mold that had grown between the wall and a small stepstool I had propped up against it. I had also noticed that there were "blisters" in the paint on the walls in the hallway leading up to my apartment where water had obviously started to pool. Maintenance showed up the next day, told me they would "call someone," and once again closed the ticket without fixing or really even looking at anything. On March 29, I went into the leasing office to speak with someone in person because I felt like the issue was not being addressed properly and I wanted some answers. I explained the problem to the leasing agent and he asked me to send him an email describing the issue (which I did) and that I should open yet another repair request for the issue (which I also did.) On April 1, the maintenance person showed up again. This time, he brought a pipe wrench and literally tried to hammer down the warped floorboards (no joke). Then he sprayed two sprays of mold inhibitor on the wall next to the front door “just in case.” That afternoon, I was told that a water restoration company would be out the next day to inspect the unit. The water restoration company came first thing on April 2, while I was still in bed. They found significant moisture behind the walls and suspected the presence of mold. The property manager came by a few minutes before noon, took photos, and informed me that my apartment was currently uninhabitable. He told me to file a claim with my renter’s insurance for a hotel. I work from home and was in the middle of my work day when he told me that the water restoration company would be arriving shortly to start dismantling my bathroom to start looking for the cause of the leak. I ended up making a claim with my renter's insurance (even though I believe property management is responsible for the cost of temporary housing) but without a statement of cause, my insurance wouldn't help me find a place to stay so I had to make arrangements on my own for myself and my dog. I'm currently staying in a hotel down the street from my apartment building that is being charged to my credit card. On April 3, the leasing manager called me to inform me that my apartment is unlivable and they have no timeline for repairs, so I have the option to either break my lease with no penalty or move into another unit (with them paying the moving costs). I asked him to send the offer via email because I needed a written record of the offer before I would even consider anything. He sent me an email the next day (April 4) briefly outlining my two options: either I transfer to another one-bedroom unit in the building at my current rental rate, or I break my lease with no penalties. That’s it. He didn't even include the offer to cover moving expenses to the new unit. I'm stuck in a frustrating situation with no real solutions. My renter's insurance isn’t covering my hotel costs because they won’t pay without a statement of cause, which I still don’t have. Even if they do cover it, I’ll still be out $250 because of my deductible. I expect the property management company to take responsibility for that since the damage was caused by their neglect. The options they’ve offered don’t even begin to address the full scope of the inconvenience and stress I’m dealing with. There’s no mention of covering the moving costs, or even offering rent relief for the time I’ve been displaced. Neither of these options account for the impact this situation has had on me and my dog. What should I be doing next? I’ve already filed a complaint with the city’s code enforcement office and plan to follow up on Monday, but I’m not sure if I should be waiting for them or moving ahead with other options, including legal advice. I know I can’t afford to hire a lawyer outright, but I also feel like I’m being jerked around by the property management company and my renter's insurance. Any advice on what steps I should take next?

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

I’m 20 Male, In California, 2 years driving record with a Clean history. I’m buying a New Ford Maverick 2025 XLT and looking for insurance but I keep getting quoted around $2300 total for ONLY 6 months. This seems insane I know my age and new car and more plays a role, but even then it seems absurd how much it is for just 6 months not even an annual term. Is there anything I can do, or people that might offer me better prices or discounts. I’ve tried most companies and feel as if I won’t get anything better then $2,100 from Progressive.