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

My son was hanging out with his girlfriend’s family when her dad pulled out a couple of dirt bikes and offered to let them drive around the block on them. No helmets, no licenses, bikes aren’t registered or even road worthy. My son is 15 with a learners permit. It was 8pm, dark, and the bikes had no headlamps. Long story short, my son ended up running into a car, causing $7K in damages and losing part of a toe in the process. My insurance company will not cover this because it was outside the scope of the coverage provided for the learners permit. The driver is threatening a lawsuit. I’m angry at the girlfriend’s father. I would have never allowed him to get on that bike if I had known about it. I knew the consequences if something like this happened. In addition, the father apparently verbally told the driver he would cover the damages but he hasn’t returned my call. Can the driver sue me? Shouldn’t she just file with her insurance company for uninsured/under insured motorist coverage?

Navy federal stated the card info was put in inaccurately but I confirmed it 3 times. Anyone ever been through this ? Do I really have to wait for a check in the mail now or can I just retry it after they open tomorrow?

Windshield claim, Progressive. Hailstorms for days. Deductible: $2000 Vehicle: Toyota rav4 2020 Progressive claims person asked do I want to get paid $2000 or pay for the windshield repair and have them pay the rest? I haven't had to repair a windshield before. I didn't know what to choose. Haven't gotten a quote but I don't think it'll cost 2k? I didn't even know there would be choosing. So before I do next step, adjuster etc: What... exactly am I supposed to do here? (I am feeling... cyberpunk dystopia atm)

My vehicle needs a new windshield. It’s a lease and reading the agreement, it says the following: You are responsible for repairs of all physical damage that is not a result of normal wear and use. All service and repairs must be made with new and genuine manufacturer’s original equipment replacement parts, regardless of the terms of your insurance policy. Does this mean it has to be OEM? I have GEICO and they said they will not pay for OEM.

I'm in a little bit of a conundrum. I have both a Roth IRA and an Individual Brokerage Account with Charles Schwab. I also had a retirement account worth $15,000 including a Roth 401k with John Hancock, but then I changed jobs. I decided to roll the money from John Hancock over to Charles Schwab to make things more simple by having everything with the same institution. They said they would send me two checks made out to Charles Schwab. I looked today at my John Hancock account and it now says my balance is $0, so I'm guessing they have issued the checks. John Hancock said there will not be a 20% tax because it is a rollover. However, I called Schwab and they said there would be a 20% tax. I kept asking questions about it, but the gentleman said to consult a tax specialist. I don't have a tax specialist and I'm not trying to spend a lot of money to consult one. Also, Charles Schwab said the checks need to be for the exact amount going into the Roth, and the exact amount going into the Individual Brokerage Account. I never gave those numbers to John Hancock. What would you guys do in this situation? I really don't want to lose $3,000 due to taxes if I can avoid it. Also, can I trust Charles Schwab to give me the best advice for me here since they have a personal interest in getting the money into their bank?

My senior kitty is 16. She is/was prone to UTI's, had 3 in 8 months last year, and Embrace will no longer cover anything related to her bladder. She's very healthy otherwise. The vet saw a bladder stone and she's been on Hill's Prescription food since June, with no incidents since then. I was reimbursed under the wellness portion and quickly used up the funds I had left after her checkup. Does anyone know of a plan with a high amount of wellness coverage and less amount of insurance coverage? Thanks in advance!

Hi everyone! I appreciate any and all answers here. So I just filed my taxes for 2024 and my HR Block representative said that she urges me to switch from Covered California as soon as possible. In 2024 I had medical issues that caused me to lose my job so I switched from employer provided insurance to Covered California starting last May 2024 with the cost being $94/month. Then in August 2024 I got a new job and received a significant pay bump ($21/hr to $31/hr) and I did not know that I was supposed to report my new income to Covered California. In December 2024 after my surgery (to deal with the aforementioned medical issue) I contacted Covered California about renewing for 2025 and during that conversation I found out that I was supposed to report my income change. That led to my rate increasing to $294/month and the worker told me that I will also be facing a tax penalty and backpay for not letting them know about my new monthly income. When I prepared my taxes a few days ago she revealed that the backpay was a total of $1,100 and she said that she's seen this with a lot of her clients and even herself. She stated that with my line of work I will most likely earn more than I anticipate this year and will most likely pay even more taxes to the IRS with Covered California. She urged me to get on a new health insurance plan asap. **My current options are to contact the company that I work with (it's a third party company that I get pay from as a contractor even though I work full time hours). OR I can contact individual insurance companies and try to just get a rate directly with them.** **My questions are** **1) Am I even able to switch my insurance this late into the year? I don't have a major qualifying event aside from just wanting to leave Covered California.** **2) Are the options that I mentioned above correct or are there other solutions that I am not aware of?**

My health insurance company won’t use the word “covered.” They only use the word “consider,” even when the category is “benefits and coverage.” One of their agents told me they can’t use the word “cover.” For example, in a recent communication they said, "Home health care must be approved in advance, (pre-authorization), and is limited to 90 visits per plan year. Once approved, services provided by an In-Network PPO provider will be considered at 100 percent of the allowable charge with no co-pay. “ This statement doesn’t make any sense. They said it has been “approved.” What is left to “consider?”

I reached out to my State Farm rep about why my homeowners insurance went up 30% this year and he said “that’s just what they’ve been seeing lately” and offered to decrease my Coverage A and Increase my Dwelling coverage to bring down the premium. The total replacement cost covered would remain the same. He was selling this as effectively being identical if we would be rebuilding in case of a disaster, but something doesn’t pass the smell test. Has anyone else opted to do something similar? He was unable to articulate why State Farm would do this if the coverage was the same. He only Personal coverage would decline as a percentage of coverage A. Is there anything else I’m missing or anything else I should ask?