So from just looking on here it seems that this happens often. I got my vehicle yesterday afternoon after them having my car for a lil over a month. I didn’t look at my car much yesterday. This afternoon I went outside and was looking at the stuff on there bill of said repairs for the insurance company. A couple small things look fixed but most stuff looks the same as before as in not touched. The thing is what do I do now? I also had just called said place and the person was busy and in telling the person on the phone if they just ripped insurance company’s off he was dead silent.

I’m thinking about getting MetLife pet insurance for my dog and wanna know if it’s actually worth it. I’ve seen they cover stuff like vaccines, dental cleanings, flea/tick meds and give about 80% back after a $250 deductible. The price seems okay too. But I’ve also heard some people had their claims denied for weird reasons (like needing medical records from before they adopted their dog which makes no sense). So I’m kinda torn. Would really appreciate honest opinions. Thanks.

My husband and I are working through paying off our debt. I have a personal loan through OneMain we are wanting to pay off ASAP I got a payoff last week good through tomorrow, but then on Monday I called in and canceled the optional product of Credit Insurance and Disability Insurance. The issue is, the cancelation of those products applied to the overall balance that includes pre-calculated interest, but it did not come off of the payoff amount. I called customer service and they said the payoff amount is basically already assuming the cancelation of those optional products. Does that sound right?

I was rear-ended in late January by a driver insured by Maryland Auto Insurance. I filed a claim with my insurance company (Progressive) who deemed that the other party was liable for damages. I reached out to both the other insured and MD Auto Insurance, and was given the run around for over a month— with MD Auto Insurance saying that their insured had not been returning their calls and the other party stating that MD Auto Insurance was not answering their calls. Progressive got involved and tried to call MD Auto Insurance 2x after I basically begged them to, and they weren’t able to reach them and gave up. I consulted some lawyers online to see if I had a case, and they all recommended using my insurance (i.e. paying my $750 deductible for the damages, Progressive paying the rest and having Progressive attempt to get my money back through subrogation). I spoke with Progressive who said that not all subrogation attempts are successful, and that they most often aren’t… meaning that my desuctible would just be lost completely. I ended up going that route because the damage on my car was such an eye sore. I paid $750 and Progrssive ended up paying $761 (total cost of repair was ~$1,500. The repairs were completely last week. Today, I received an ~$1,800 check from MD Auto Insurance for the damages to my car. They did not call me at all to accept liability or tell me that they were mailing a check. So now, I have an $1,800 check to cover the damages though the car has already been fixed and I have paid my deductible. Should I tell Progressive about this check or should I just cash it without telling them? To be honest, Progressive really pissed me off when they wouldn’t assist me in talking to MD Auto… they called twice and gave up so easily while I called multiple times a day for weeks. I’m afraid however that in the subrogation process, MD Auto Insurance will tell Progressive and then MD Auto will adjust the amount (they estimated $1,800 in damages, but the repair was actually $1,500), and I will lost that extra $300. Other possibility is that the subrogation process will fail because MD Auto rarely answers the phone and has such a long and terrible phone system, and Progressive would close the case and I would be allowed to keep the money in total. What should I do? TLDR: I was rear ended, other party gave me the run around to avoid liability, my insurance paid (after I paid a $750 deductible), and I just received a check from the other parties insurance. Do I let my insurance know?

Hi everyone, I’m 24 years old and have been under my moms auto insurance (geico) since I was 19 years old. My bill initially used to be $175 however after my mom got into a car accident it went up to $230. Unfortunately I had an incident in October 2024 where I fit a pedestrian (he’s okay) and now I have to pay $450 monthly. Is there anything I can do to lower it ? I don’t know 100% that the insurance went up because of the incident that I had but I’m assuming it’s because of that. I tried getting quotes at other insurance companies solo however they’re quoting be about $400 monthly for insurance under my name alone. Can someone please give me advice

We were uninsured for awhile, and honestly, it wasn't that bad. We had a 94% discount from the hospital we used and had a great experience with them for many years. Fast forward to last year, we officially got insurance. Cigna. We have an HSA account and a high deductible. We spend SO much money, but I view this as paying for peace of mind so if anything horrendous happened we would be covered. Now, I just got word that our hospital is discontinuing service with Cigna and everything is going to be considered out-of-network. This is a blow to our family because 2 out of the 4 of us require specialists. My son is medically complex and the hospital has a children's hospital wing where he sees 5 specialists a year and may need surgery in the coming years. I've spent years finding a medical team that works for our family and they're all at this establishment. It's all being pulled out from under us...it takes effect in 3 weeks. I don't know what to do now....should we go back to being uninsured? How do we shop around for insurance? Should I look into catastrophic insurance? A friend recommended US Health Group but after searching this sub I'm hesitant. Key points: 1) We make too much money for any form of government assistance (however, we are NOT wealthy) 2) We live 2 hours away from the next closest children's hospital and I have yet to find out if they accept Cigna. 3) How do I vet an insurance company? TIA

I recently took my cat in for a mouth surgery to remove an infected tooth. The bill came out to be almost $600. Since I wasn’t enrolled in the wellness rewards it only covered $108 after a $200 deductible. When I pay $130 a month for both of my cats. When I first got this it was $60 for both of them and it has now doubled over the years to only cover a 1/6th of my cats surgery? I can’t believe it. Any recommendations for any pet insurance for my cats? They are pretty healthy overall indoor cats, I just like to keep this for my peace of mind in case anything happened but with this recent increase year and now this, I can’t justify embrace.

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?**

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

Every six months I get a big envelope from Statefarm with all my car insurance details and prices. It also comes with a bunch of small booklets, think they are called "endorsements". Anyways the one I got said I would owe around $350 . It also says "This is not a bill". Now today I got my bill electronically. But it says I owe $450+. Unfortunately, I recycled the original paper bill that said I should owe $350. Was that $350 likely for some shorter duration? I did remove something from my insurance a few weeks ago so maybe they sent me some pro-rated amounts?