Hello! I was in a no-fault accident pm 2/25/25. The lady ran the red light and hit me. Here's the thing, my car is a 2023 outlander PHEV (57k miles) that just came off the lot and still had temp tags. I had the car for two weeks. Market value for my car states anywhere between 28k-32k. I called around to local banks as well to make sure I wasn't wrong in my numbers. Root insurance is only wanting to offer me $23,660. My car was in EXCELLENT condition considering it just came off the lot yet they listed it as Average. Additionally, they have forgone alloy wheels on the report for what ever reason. Am I able to dispute this? I already consulted a lawyer for the personal injury portion.

Not really sure the best place to post this question. My health insurance fully covers labwork, which I confirmed with them prior to getting an MMR immunity test earlier this month. As in they couldn't find anything in my coverage about specific tests because I have 100% coverage. So day of my appointment imagine my surprise when the phlebotomist at my doctors office says I owe $40 to quest for the lab work(in addition to my $25 copay that I paid at the front desk). I thought it was weird, but figured I'd get a refund when I got my EOB. So I hand over my debit card, she enters the info on her computer, draws my blood, and then I go on my way. Today I get the EOB for that visit and it says, as expected, I shouldn't have paid anything for that visit. So I check both my bank accounts only to find there is no $40 charge for Quest anywhere. And then I remember the same thing happened in January with Labcorp. I went to a physical Labcorp location for bloodwork ordered by my dermatologist, they said I owed some amount upfront, I handed over my card, then when I got my EOB it said I owed nothing, but when I checked my bank statements there wasn't a charge from Labcorp at all. Nothing the day of, and nothing on subsequent days for a refund. What is happening? Are they somehow able to void the charge so that it completely disappears from my bank statements when it turns out my insurance fully covered it? In the future I'm going to be getting screenshots of any posted charges(and asking for a receipt), just to prove I'm not losing my mind. If they didn't charge my card on the day of my appointment, would they have charged it later upon learning I did owe something. Can they even legally charge my card at a later date, or would they have to send me a bill in that situation? With the Labcorp charge I thought maybe I'd misremembered paying because I've been getting lab work there for years and never even had to stop at the front desk. My insurance at work did change from UHC to BCBS this year, but our coverage stayed the same. But I know for sure I handed over my debit card to the phlebotomist at my doctors office and watched her enter the card information on her computer. Though I don't remember if I got a notification of the charge on my banking app. Do I still have to keep giving them my card if I know my insurance fully covers lab work but for some reason they are lying and saying I owe money upfront and then the charges are vanishing?

I was in an accident many years ago in Michigan. I was told I had medical coverage for life for my injuries through AAA car insurance. I now live in another state and need a surgery related to the accident. I re-opened my old claim and spoke with an adjuster. She said due to the no-fault laws, she would send a billable letter to the doctor so they can bill them direct, but that they don't do pre-approvals guaranteeing any payment, and that I can't pay direct and get reimbursed either. My problem is, no one in my state is at all familiar with this and no one will accept a 'billable letter' or willing to even consider billing a car insurance company. I would gladly pay out of pocket if I could get reimbursed, but AAA says that's not allowed and they wouldn't reimburse me in that case. Am I missing something here? Is there a way to make this work or is it just a way the insurance company has found to make it nearly impossible to actually use the coverage?

hi all. i have been a silent observer of the subreddit out of curiosity due to me and my partner recently adopting a kitty. We got him on a trupanion plan via chewy pretty quickly after we got him because we thought it was the financially responsible thing to do for him. When we got him, he had a bit of a URI and we thought it would resolve on its own. However, with no improvement being shown after having him for a little over a month we took him into the vet. Unbeknownst to us we were still within our waiting period for our insurance to kick in. We didn’t think it would be a big deal, we knew we’d have to cover this visit out-of-pocket. However, our vet noted during that visit (though unrelated to the cause of the visit) that our boy had some pretty noticeable gingivitis going on. After an extensive amount of anxiety on my end, I had my partner check in with our insurance. I had a terrible feeling about his coverage. now, after being three days short of our waiting period being over, gingivitis is now on his list of pre-existing conditions. We pay extra for dental coverage through Trupanion and now I am absolutely spiraling that we won’t ever be able to get any of his emergency teeth concerns covered. i was the one who pushed to take him in, i was so worried about his URI. and now i just feel incredible guilt. we insurance to make sure he would be taken care of within our means, and i feel like we failed him. all i can see is racking up dollar signs for his upcoming dental appointment we scheduled after hearing about his teeth from our vet. i don’t know if i’m looking for advice or comfort, but i just wanted to know what y’all thought.

My dog just turned 8 and her insurance with pets best doubled. Where im at financially is not great, im just able to get by with my exisiting bills, part of why i have pet in isurance, for the chance something terrible happens like a broken tooth or torn tendon or whatever may happen. Shes healthy. Has allergies but theyre not on her med record as far as i know. I just am trying ti debate if i should set the money aside each month for an emergency fund for her, rather than pay the insurance fee. My fear is something qill happen before i have a good savings, though i usually try to have $1000 emegency money for pet or car stuff, im not quite there yet atm. I have decent credit so if something happe ef im sure i can do a payment plan of some sort. Idk im just wondering if its worth it anymore at the price theyre expecting. My 3 yo dog is clumsy as hell so im keeping his insurance. I just know theres going to be a day he falls the wrong way and tears a tendon or something hahaha! Any advice is really welcome, im just so broke these days and i really want to find the best option that ensures my pup can get the treatment she may need in an emergency.

I was hit by a Lyft driver back on 11/17/2024. They didn’t check their blind spot and merged into me on the freeway. My car’s front bumper is cracked and messed up, I had to change that tire, and my windshield wiper fluid tank is cracked. I don’t have proof of the accident but I filed a police report as soon as the incident happened and I recorded the situation right after. I think it’s very obvious (from the damages and location of the accident) that her car hit my car. This problem became complicated because they were using a Hertz rental vehicle, not their own car. The driver gave me their insurance information and she claimed that she bought “extra insurance” to cover incidents. I come to find out, her Hertz insurance doesn’t cover the incident because she was driving for Lyft? And Lyft is now saying, “If we agree to pay for some or all of your property damage on behalf of our policyholder, we will only consider reasonable rental expenses, for a vehicle comparable to the damaged vehicle, and/or reasonable storage expenses for reimbursement.” Does this mean they will not be paying for any of my actual damages?? I unfortunately do not have collision coverage, I only have California state minimum requirement. I’m looking to switch but full coverage was just way out of my budget at the moment ($400+ per month). Please help :( I don’t really know what to do next. I’d appreciate any advice!!

I've posted about my claim before. Insurance company low balled me on the settlement for my stolen car. Offered me 23k total I didn't agree, they didn't want to negotiate and told me to invoke appraisal clause. They rep calls we over a week later and told me good news their appraiser came up with 26k and something. Told me I don't have to get an appraiser anymore. Sounded good to me. Next day I get a call, they made a mistake and weren't supposed to tell me that amount since that's the amount their appraiser came up with for when I actually invoke the appraisal clause. I'm confused so I have two questions: Can they legally backtrack like that after they already told me I didn't have to get an appraiser and the amount they were at? And also, technically if I get an appraiser he or she should be able to get me more than their estimate right?

Hey everyone, I had lemonade pet insurance for around a year but they don’t cover my dogs allergies (pre exist). They also upped my insurance to almost 50 bucks a month, before it was 35. So I dropped them and have been putting money away each week in the stock market in case of an emergency. I have been doing this for almost a year and have around 700 bucks in it now (robinhood). Obviously the stocks are down right now and I’m down 30 bucks but historically they will go up again. Just wondering if anyone else has decided to this instead, it’s nice seeing my money actually being saved rather than throwing it away with pet insurance and things they do not cover. I first got my dog and took him to the vet prior to getting insurance and that’s why they don’t cover his allergy meds. NOTE: always get pet insurance before going to the vet if you choose to get it.

After months of insurance I finally needed to go to the vet. Submitted a claim. They wont reimburse anything saying its all pre existing but it never happened before! Beware!

Location: Southern California, USA My roommate and I had a year fixed lease in a 2b/2b, ending summer 2025. A month ago I discovered a leak coming from the wall in my closet. Landlord brought plumbers to check it out, they opened the wall a bit and discovered cracked pipes. The next week I was asked to leave for 2 weeks for repairs, in which I used renters insurance to cover my hotel (waiting on reimbursement still, but it should be coming). After the 2 weeks, landlord couldn’t get a response from HOA on when the repair would be completed. Landlord suggested I break my lease and move since she wasn’t sure about the timeline (pipes only impacted my room, not my roommates). While trying to figure out my plans, she sent my roommate and I a text on Friday (3/28) afternoon that she is terminating our lease due to mold, and we need to be out by Wednesday (4/2) or sooner - she offered to reimburse March rent and give us $600 each for the inconvenience. Any advice on 1) is she allowed to do this and 2) how we can get more money or time? 2 business days is such short notice to make arrangements and the cost to move will be more than $600 TLDR: landlord terminated lease due to mold, have to be out in 2 business days. I haven’t been able to live there for all of March