My husband has a herniated disc and possibly arthritis, and we’ve been putting off going to the doctor because we’re confused and stressed about what our insurance (Cigna Wellfleet Student) will actually cover. We’re in Rhode Island. From what we can see, the MRI isn’t fully covered under our plan, and possibly other services aren’t either. A regular doctor visit would cost us about $50 out-of-pocket (not sure about the exact term), which isn’t awful, but feels kind of pointless if we can’t afford to get the necessary tests like MRIs anyway. What’s really throwing us off is that a friend of ours, another student with the *same exact plan*, broke their foot, went to the ER, got an MRI and whatever else was needed, and only ended up paying $100 for the ER visit. That’s it. We’re super confused. We’re also hesitant to call the insurance company because we’re scared they’ll be vague or misleading on purpose, or try to hide what’s actually covered to benefit themselves. We feel really stuck and just want to make the best decision for his health without going broke. Has anyone had experience with Cigna Wellfleet Student plans, especially in RI? Any advice on how to navigate this or what we can do to get clearer answers?

Location: I live in California Hey guys! Wondering what you thought. In summer of 2022, my mom and I were visiting some extended family in Switzerland. My Swiss cousin drove me and my mom to Paris, France in his car. The last night I was there, my cousin asked me if I wanted to go take pictures at the Eiffel Tower. I said sure. He drives his car, I am in the front passenger seat next to him. No other passengers in the car. We are on the street right next to the Eiffel Tower at a red light, sitting in traffic with all cars stopped. He says "OK you can get out here and get to the sidewalk, I will pick you up in a few minutes." As I open the passenger door, a motorcycle who had been weaving in and out of traffic going maybe 15-20 mph, slams into the car door. The driver and passenger fall over and the car door is smashed. We pull over, traffic around us is stopped. An ambulance comes and help arrives. Unfortunately (worst timing ever), I had a plane to catch to go back to the US. My cousin told me to leave, he would take care of it. I found a cab, took me back to where my mom was staying, and we went to the airport and flew home. I followed up with him a few days later and he said the motorcycle driver and passenger were fine, they had suffered some cuts/bruises and a sprained ankle. I told him to please keep me posted. He never really had anything to report. Fast forward to last Friday. I get an email from an insurance company detailing the incident from 2022, with the correct date and what exactly had happened. They found me liable and at fault because I opened the passenger door and caused the injuries of the motorcycle passengers. The insurance company said they had to compensate the other party, and requested that I reimburse the full amount. It's nearly $10K USD. I know this is definitely not a scam because my cousin verified his policy number on the letter they sent me. He also informed me they called the police that night and the police never came. He took it on himself to give the other party the insurance information so that his insurance would help out. He never imagined his insurance trying to recoup the money, especially from me. What do you guys think I should do? Shouldn't the insurance cover the driver and vehicle?Am I liable as the passenger? How would an insurance company in France enforce that I pay this? Can they take me to court? Is it possible that they might try to retaliate with my cousin instead, if I ignore the letter? Thanks in advance!!!

I have a long winded question. I want to preface this by saying I am not into fraud. I am a public employee and can’t have any issues related to that. 3 years ago we had a bad hail storm in the Chicago area. We have a close friend who is an adjuster for a roofing company. We coach our kids together and he tells me “hey do you want a new roof?” He tells me everyone is getting approved after the bad hail storm. I have zero experience with this so I said “of course.” I figured that’s why I pay insurance and this guy said it so non-chalantly so I agreed to it. He comes over, looks at the roof and submits a claim. A week or two later he tells me that our insurance denied a new roof and only said they would cover $1,000 in repairs. In my mind it’s a win since we get repairs done. Fast forward a year later and we have another hail storm. Our friend says to me “this time you will definitely get a new roof.” Again, we have no idea this is an issue. He looks at our roof and submits a claim. A week later we get a call from our agent and they tell us they are likely going to drop us. This is where my wife and I panic and wonder “what the hell is going on?” We get the insurance to stop the claim and somehow they do stop it and we don’t get dropped and don’t get the repairs done. So far no issues but still we are very worried about it. Since then we have had a few roofing companies out and the prices are crazy. Like 12k just to repair and 25k to replace the whole roof. My question is this: Would you recommend that we replace the roof on our dime? We have the money to do it. This is what I’m leaning towards but what happens if we have a really bad storm with significant damage? Does State Farm drop us but still have to pay for the damages or replacement? I don’t want to replace the roof, have significant damage, and then State Farm says nope you’re dropped and we aren’t paying? OR, should I switch insurance companies before any work and then replace my roof anyway to lower the premium cost with a new insurance company? Insurance prices are ridiculous right now but state farm is still lower than any other insurance company I have had quotes from. Thank you for any advice you can provide. Edit: I agree with all the comments that the guy screwed me. I am aware that the claims follow me. I need to find an honest person who can tell me if I really need a roof replacement. If not, I’m willing to ride it out until I do actually need a replacement. The thought of doing it now came because in 5 years we will have 2 in college and one in high school. We figured we would take the expense now rather than in a few years when money is a bit tighter. Still unsure of what we will do. I don’t think I need a new roof immediately but I know it will be in the next 5-10 years.

So I recently got in my second accident in 3 years. The first one was at fault in September 2022. This one was not at fault last month. I had just started a new policy with a new company, Traveler’s and they decided to drop me after the claim was closed. However it became a word vs word accident that was supposed to go to subrogation but since I was dropped it’s not anymore. So I had to get a new policy with Progressive which on their report they listed the accident as at fault. Is there anyway to try to change this? I know I wasn’t at fault and I think the photos of the accident help prove this. Edit: I’m in Georgia

I have met my Medicare deductible. I have plan G Medicare supplement which pays all co-pays, etc. I am being billed by a doctor’s office in spite of the fact that I have no further liability for co-pays. What is the best way to resolve this as the doctors office keep sending me a bill.

We have a storm damage claim in since June 20th, adjuster came out July 2nd, he sent an estimate and a payment (which we have not yet accepted) on the 3rd. We’ve been trying to get in touch with him since the 7th to no avail (voicemail says he’ll call back within one business day). What’s my next move?

Progressive, Northern California, 5 driver/5 car policy. I’m mostly remote now at work and sold my car for a local commuter. With the new car, my annual mileage estimate went down by 5k miles per year. The car is dirt cheap, so I opted for liability only coverage. I thought I was going to save $1000 per year, but my rates stayed almost the exact same. What’s going on here? Would talking to an agent on the phone change anything?

I’m 23 buying my first car. It’s a generic 2007 Pontiac wave and I want to do uber eats with it. I got a quote from Intact and he said it would be $800 down and $500 and change a month. This feels insanely high, even for commercial insurance. Any advice? Edit: I am a new driver so i understand it’s going to be a bit higher.

Full background: I have had both my dogs insured by Trupanion for several years now, both since they were pups. One will be 7 this November, and the other just turned 4. My premiums have gone from $126/mo in 2022 to what will now be $290/mo starting in June. So more than 2x increase in 2 years. Over the years I've had a few emergency vet visits (mostly from ingesting foreign substances) and filed claims. In total they've paid out about $4100. But now I'm just not sure it's worth it anymore. Changing insurance is probably out of the question for me given the number of past incidents that would probably be considered "pre-existing conditions" now. But paying $3480 a year (and probably will just increase more) feels completely ridiculous. Should I just cancel the policy and put the money toward a savings account instead? Or is the risk not worth it? My brain tells me cancel, but it feels like a decision I can't really walk back once I do it.