Good morning, So on my way to work I got rear ended at a traffic light and me and the girl who rear ended me pulled over. She apologized profusely saying she assumed I was going to run a red light. We exchanged insurance info and number. She then started texting me begging to not go through the insurance for this and that reason and that she’ll pay me $500 out of pocket if we don’t go through the insurance. I refused and went through the correct route of reporting it to her insurance… but after a couple weeks of waiting, they denied my claim reasoning that I made an unsafe lane change which I didn’t. I did swap lane from left to right and as I was merging the light turned yellow and I eased in on the break to a stop… she assumed I will run the red light which caused the crash. She hit me on the rear end and most of the damage is in the left side of my car… I showed their insurer the texts exchange between me and her… I also reasoned that it’s untrue that I made an “unsafe” lane change because why would the damage to my car be on left side? So I’m wondering what my options are? Thank you for listening!

I opened a discover card in college and misused it. I am now trying to gain control of my finances and increase my credit score. I have minimal financial literacy from my parents but trying to learn now! On my credit report it does not show up as in collections just as discover ~$3,700 balance but closed (12/2022). My last payment was made 12/1/2022. I called discover and they said the balance has been marked as charged off and to reach out to Radius Global Solutions. I am not able to pay the whole amount right now but was hoping to enroll in a payment plan when I originally called discover. I could also pay some in a mass sum. What should be my next steps? Thank you in advance!

I just got car insurance for my new car and I got a letter days later saying they were missing a “signed application” from me. What does that even mean? I then called the customer service line and they put me on hold for an hour so I gave up. This was first acceptance car insurance

Hey all, Ran across something weird today. I was notified by my son’s pediatrician office that his provider was not covered under our insurance plan. We have been going to this provider without issue and picked this provider based on the fact that when we searched him on our insurance website, it listed him as in network. I contacted my insurance company, and they reported to me that on initial search based on NPI, he was a covered provider. I called the billing office back and they said to give the insurance company the tax ID to search. I did this, and my insurance said the tax ID was not covered, but when the tax ID and NPI were provided, it was listed as covered. My insurance called the billing department, and they told my insurance that they do not accept my insurance plan, only certain policies under my insurance provider, but not my specific plan. The medical office told me they would be resubmitting the prior claims since they should not have been processed as “in network” and that I would be responsible for payment since it’s out of network. I can’t make any sense of this. All prior claims from the visits were processed and covered by my insurance, but now the medical office is claiming that they have always been out of network? Why would they have been billing my insurance if they were in fact out of network? Any help or insight would be helpful!

Wondering if anyone has experience with something like this.  We bought a house (with a mortgage) a little under 2 months ago.  We were told by our agent to push off the insurance (Citizen's) inspection as much as we could, as the house was in need of renovations and we would be doing them as soon as we closed.  We did "too good" a job pushing it off, and we got a cancellation warning that it would be cancelled Aug 4th because the inspection wasn't scheduled.  We then scheduled the inspection to take place on August 4th, which happened. In the meantime, the insurance company cancelled in the insurance because apparently the inspection needs to be uploaded in their system to retract the cancellation (even though the letter only specified that it was cancelled because the inspection had not been \*scheduled\*) We spent the week trying to get it reinstated, only to find out at the end of the week that the inspection had failed, and under normal circumstances, they would give a warni

I filed three claims with Odie over a month ago. Thankfully, they were all approved. I requested direct deposit for reimbursement. This was on Monday. Today is Friday and I haven't received anything. ManyPets used to pay with 24-48 hours after approval. Anyone have any experience with Odie? How long does it take them to reimburse?

I'm going to keep this as short and to the point as possible.. Before my job forced us to change insurances, my BCBS plan had an all inclusive copay, meaning when I visited my specialist(or anyone for that matter), I paid $70. That was it. I had been getting bimonthly infusions that cost just under $10,000. All covered under the $70 copay. Rad. When we were forced to switch, we had our choice of hundreds of plans. I tried SO DAMN HARD to get insurance plans to tell me what my infusions would cost under their specific plans and got stonewalled every step of the way. I had all of my billing codes and everything. Long story short, I ended up choosing one that I believed had a similar setup to my last plan: all inclusive copay. Turns out, it is, but they are trying to bill me for the prescription used during the procedure($9,000+). I have to pay for that($300 specialty tier med) AND the copay. They couldn't explain why that is a loophole. My infusion is a buy and bill, which means it is billed under MEDICAL, not prescription benefits. What am I missing here?? TLDR: "All inclusive copays" have loopholes apparently?

I have State Farm and pay about $750 monthly for my several cars and teenager. Every carrier I quoted with (the major ones that everyone knows) All wanted $1,100 or more per month for exact same coverage. These people are crazy!!! The $750 I think is already too high. 3 cars, 1 truck, 2 adults and a teen. No accidents, tickets, or claims for anyone, ever. Going to try a local broker tomorrow. Maybe they can help. Are other people seeing the same crazy differences when getting a quote? Any good experiences using a broker and anything I should watch out for? Never used an independent broker.

I have three policies with Geico auto policy in NY that renews on the 9th auto in NJ that renews on the 10th homeowner's that renews in 7 weeks I get multi policy discounts for all of them. I want to move the NJ auto and homeowners policies to another carrier for better pricing. I'm looking to do it on the 10th after the NY policy takes effect. Once I do it the multi-policy discounts will go away. will the NY policy go up in price after the renewal takes effect? I don't pay it and it's for family members who are also on it and it's a lot of money and I want to hold off the pricing complaints as long as I can

I initially chose Trupanion because of its **per-condition deductible**, which seemed like a great deal. The idea that once you pay the deductible for a condition, you’re covered for life sounded like a financial safety net. **But there’s a catch**—what you think a condition is and what they classify it as can be entirely different. I have a **golden retriever** and live in **California**, where vet care is already expensive. Over the years, I’ve **paid thousands out of pocket** for the same recurring issues, thinking I'd eventually see the benefit of having met the deductible. Instead, I was repeatedly disappointed to find that Trupanion either classified the conditions differently or found other ways to deny meaningful coverage. Yesterday, when they pulled the same stunt yet again for one of my recent claims, I finally sat down and did the math. And what I found was infuriating: * **Total amount claimed (across multiple years):** $18,785.07 * **Total amount paid by Trupanion:** $4,074.02 * **Percentage of total expenses actually covered:** **21.69%** And this doesn’t even factor in the **monthly premiums** I paid on top of it. When I do the math, I might as well have **skipped insurance altogether** and just covered my pet’s medical bills myself. It would have cost me about the same, if not less. Now, I am considering switching to a different pet insurance. While they have a waiting period for **curable pre-existing conditions**, I am **happy to wait it out**—because let’s be honest, Trupanion isn’t paying for those conditions anyway. At this point, I might as well **put everything out of pocket** while I wait for better coverage. If you're considering Trupanion, **think twice**. Their deductible structure sounds promising, but their classification loopholes mean you might **never actually reach it** for conditions you thought were covered. At this point, I feel like I’ve wasted money that could have gone directly into my pet’s care instead of into an insurance plan that gave me little in return. I wouldn’t recommend Trupanion to anyone expecting true financial relief from pet medical expenses. **Save your money, start an emergency pet fund, and skip the frustration!**