I have had a commercial policy with the same carrier for 13 years under my ownership, but as far as I know my parents and grandparents have used the same carrier since the 1970s. Does this matter? Is a claim a claim and you get dropped or treated the same as anyone else that just signed on with them last year? I called my carrier and wanted to talk to my underwriter to verify my agent is actually trying to implement the changes i have asked for. In the past my last broker lied to me about putting in for higher fire coverage, and how I caught them was by calling my underwriter. This time when I called I got someone in member services but she wouldn't transfer me and was super passive aggressive, laughed at me etc. I want to actually use a company that's not hostile to me trying to verify if my agent is actually doing what they say. Long story short after what I believe is 49 years with one company I want to know if it's worth staying or if it matters?

i hope this is the right subreddit for this! i just found out that my dietitian for an ed is no longer fully covered by insurance and my weekly appointments are now going to cost 90 dollars. i’m wondering if there’s a way to get insurance to continue to cover? like could i have my primary care physician or psychiatrist refer me to a dietitian? tbf i am not as aware of how insurance works as i should be so i have no idea if its even a possibility. edit for clarity: my insurance has not changed. i live in michigan and use blue cross blue shield. i was unaware that they will only fully cover a certain number of appointments and i have reached that number.

I knew this was coming from seeing it happen to others but I got my policy renewal notice and our annual cost went from $347 to $505. I know this is far from the worst increase but it is still annoying. He hasn’t had a claim since 2023 and is only 4 years old. Is there anything I can do or say to them that might get this lowered a bit? I worry what his premium will look like a few years from now if they continue with increases at this level. I also am bringing home a puppy next month and have been going back and forth about insuring them through PetsBest or trying something new like AKC or Trupanion. Any thoughts on that?

Progressive offered me $750 for diminished value based on costs they incurred for the claim. They did not even consider the actual cash value of the vehicle. For context, this is in Texas and the claim was made on the other parties insurance and I was found at no fault. The car is a brand new BMW M2 and the total repairs estimated around $4-$5k including labor. There’s definitely more than $750 of diminished value since this is a performance car and now has an incident on the car fax. According to the representative, they are not willing to offer more even if I get an estimate of the actual cash value. Do I have any options outside of just accepting what I was given?

My spouse was in a not at fault accident that resulted in being in the hospital for two weeks. Since I had zero info on the other driver and the police report would take awhile I decided to open a claim with my insurance the same day of the accident while I was at the hospital. On the call, which I recorded, my intake adjuster stated they would pack up and ship our personal items from the vehicle and not to worry about it, just focus on the spouse getting better. There is no need to go to the impound lot. Fast forward two weeks and I asked my total loss adjuster where our stuff was and they said they have no notes from the intake adjuster to pack anything up and they'll make a note to do so now. Long story short, they cannot find our stuff nor can they find photos of the third party inspection of the vehicle after two months of back and forth. They said they don't pay for lost personal items and if I want the $1600 in items reimbursed I would need to open a homeowners claim and prove they were in the vehicle. While I understand this may be standard operating procedure, I told them I don't think it's right that we are being punished with a new claim after the intake adjuster failed to take due care and ship our items and how can we prove items were in a vehicle if they told us not to worry about it and no need to go to our vehicle in the impound lot while themselves are unable to find photos. I provided the recorded call and requested a supervisor, now my own insurance won't respond and has ghosted me. Shouldn't my insurance be held responsible if they offered to ship our items and failed to do what they said which sounds like negligence? Should I request this from the at-fault insurance company instead? Would filing a department of insurance complaint do anything? EDIT: TX

Location: Inland Empire, CA Date of accident: 07/09 @10:30am This is my first car accident ever and I need help. I have a 2012 honda civic coupe and I was driving from one traffic light to the next staying in the right about to turn right at the next light into a shopping complex. There was a car speeding at the first traffic light in the lane closest to the left turning lane (there was only 4 lanes; 2 turning, 2 middle going straight) which I noticed and decided to keep some distance. Before I got to the second light, I was passing a gas station and I gave a quick glance to see the entrance in which I was about to turn into and next thing I know I get hit on my driver side. We pull into the gas station and exchange information. Come to find out he 20yr marine driving gov vehicle apparently he wasn’t supposed to be driving. I call the police and they said they would not come because there was no injuries to me or my mom or the other folks in the other car. As of right now I have emotional trauma and anxiety whenever I get on the road again. My adrenaline was so heightened I wouldn’t even have noticed if there was an injuries. His recruiter pulls up and says he would take the fault instead and that way less damage to them. I said as long as I’m taken care of with the right amount for my car I don’t care (this might have been a mistake and said in heightened anxiety and panic so please let me know if I was wrong, I gave a report with my insurance saying it was the recruiter already so :/ if so can I fix it?). I was okay knowing i might be able to drive my car a few miles back to the house but less than a quarter mile and the car started smoking so we had to get it towed. My front driver tire is tilted inward and my bumper and fender faced real damages. My panic and anxiety starts setting in real bad so first though obviously reach out to my insurance. I have GEICO (come to find out I don’t have collision coverage which is a factor I entrusted to my dad but story for a different day) and they have GSA (they are with USMC). My insurance already said I’m not at fault but can’t do much for me right now (they can reimburse a rental though). The people involved said they filed a report with GSA (implying I hit them which I figured but the footage says otherwise) and I’m going to put a claim in to GSA but I’m just waiting to get a quote on the damages. I’m told this process is going to be long and brutal so I could use all the help I can get. People are saying get a lawyer and some are saying don’t get one and I don’t know how to navigate that. My car is old so it’s only worth a little (170k over a decade old with a salvaged title with some issues like AC and wheel bearing) and it doesn’t make sense to me to put whatever money I get into it when I can put it for a new car. This is my first car so I’ve been super emotional and I have been stressed through this process as I feel like I’m navigating it mainly alone. I have also missed a few days of work because I don’t have a vehicle to get there. Any advice and help would be greatly appreciated. I’ll need all the help I can get. I have footage I can provide as well of the accident.

So a state trooper pulled me over the other day because my license plates were suspended. Turns out my old insurance company didn’t notify the MVA when I switched providers, so the plates got flagged. The trooper asked for my license — I only have a learner’s permit — and I handed it over, along with my passenger’s license since he has a full one. When the trooper came back, he told me that my permit was suspended and then took it from me. I went to the MVA and paid a $400 fine for the plates, and while I was there, they told me my permit was suspended because I never completed a Driver Improvement Program (DIP) from two years ago. Thing is — I actually did complete it. I called the driving school, and they admitted they forgot to submit the completion to the MVA. They basically just said “sorry,” but now I’ve got a court date, and the letter says there’s a possibility of jail time. Now I’m freaking out. I’ve got about $1,000 to my name. Should I try to hire a lawyer, or go with a public defender? I really don’t want to risk going to jail over something like this. Location: Frederick,Maryland

In 2024, I received a call from rep at Innovative Partners LP (my first mistake) and the rep was so convincing that I gave my cc to receive healthcare benefits. I was sent an insurance card. Innovative Partners LP partnered with Marpai Health to handle invoices from medical visits. I had 3 medical office visits (1-primary, 2-dermatology and 3-LabCorp for routine blood panel). Of the 3 visits, only dermatology visit was paid. LabCorp has sent my medical visit invoice to collections! I have been doing everything I can to get Marpai Health and Innovative Partners LP to pay their portion of this invoice. I don't know what else to do. I reported both organizations to Better Business Bureau with NO results. I have written to both organizations and nothing. What else can I do to get this LabCorp bill paid by the healthcare coverage? I know I have to pay my portion and I will .... AFTER Innovative & Marpai pay their portion. I even sent my state representatives a letter about this issue and nothing. Since August 2024, Marpai canceled their relationship with Innovative but while I was covered, there was an ongoing relationship. That they terminated their contract with Innovative is not my problem. While I was covered (from Feb to Aug 2024), they were in contractual agreement. I don't want this invoice in collections, I don't want this hanging over me. I want Innovative & Marpai to honor their paid plan benefits / coverage to me. What suggestions do you have that worked for you? Thank you!

Hi all. Looking for guidance on what to do with my HSA. My employer used HealthEquity for our HSA provider. From what I have read, they are an abysmal option given their high fees in comparison to other providers, like Fidelity. So I have two questions: \- Would it be wise to rollover my HSA from HealthEquity to Fidelity? (At least the amount that I want to invest.) I know there is a rule that this can only be done once in a 12 month period, but I really just want to invest a lump sum at a lower fee. \- This will be my first time investing my HSA. Should I treat it like a regular investment? What do you all typically invest in, i.e. ETFs? Appreciate your help.

Like many Californians, got dropped by Farmers last year and the only option was CalFAIR for our fire policy. Paid the quarterly in February online and on time, got a letter today saying that the premium “was not honored by your financial institution”. Double checked my banking app, it showed the amount was paid with no problem. The running balance on my account was around $2-3000 at that time, no way it was NSF for a $676 debit. Plus, my account has NSF protection, where if I do go over (which I haven’t in decades), money from savings is transferred into checking to cover the overdraft. Basically, impossible to be NSF. So now I get to wait on hold Monday morning for however long, and what do I say when/if I get to a real person? How do I prove this was paid? Do I call the bank first?