I was in a non injury auto collision accident with another vehicle. My car sustained much worse damage than the other car. I went to get an estimate at SHOP A and it's $3,000 to fix and only need 4 days. I then filed a claim through my Geico insurance. They say there is no fault on either party so we have to pay through our own coverage. Geico has set me up with their Auto Repair Xpress (ARX) locations. The ARX shop says it may take 2 weeks of back and forth with Geico to get my car back. And I'd need to get my own rental since my insurance doesn't cover rentals. My question is, can I use SHOP A and use Geico? Or do I have to go through ARX? How will Geico determine how much they will pay for if they don't inspect my car?

I’m so disappointed right now, I call them so many times and im denied from badger care ever since I turned 19, I have to make under 15k and 1,200, and also I got fafsa but ik their policies said it’s counted but not really lol, I know I make over it, it still doesn’t help, I don’t know what to do they do give me this random ass number marketplace and should I call them? I’m sorry im so disappointed I feel bad for college students

Hi All, I’m here to both give a review and also ask a question. I’ve had lemonade insurance (wellness + accidental coverage) for about a year & 5 months now. At first, I really enjoyed it and didn’t have any issues with them, now I wouldn’t recommend if you have a pet that is known to get into incidents. I adopted my dog from a previous family who conveniently excluded his PICA issue. He is a 3 year old cavapoo who is notorious for taking anything he can get his hands on (socks, underwear, hygienic products, etc) and swallowing it. He’s had 2 surgeries (1 in March of 2024, and another in June of 2024). His first surgery was pre-policy and he was not insured with Lemonade. His second one I did receive reimbursement. We recently just went through another scare now in July 2025 (we have a behavior consult soon and take serious precautions, he is just VERY VERY sneaky) but thankfully, he was only hospitalized with fluids and passed the clothing in his stool, NO surgery was performed. Now, Lemonade is denying my claim to cover the costs of hospitalization due to “Foreign material ingestion being determined to be a Recurring Condition, which is not covered under this policy.” I reread my policy, and this is the exact language on it: “Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date.” I’d like to add the claims specialist also got his medical records incorrect in her summary and argued that the decision was also based on the surgery that happened in March BEFORE my coverage took place. I got her on the phone and corrected her inaccuracies, but she is saying based on the recurrent conditions definition, those 2 incidents (March 2024 and June 2024) fall under the “18 months prior to treatment date.” From my understanding and the actual explicit language of the policy, how can the March 2024 surgery be considered if it predates coverage and there’s no legal language stating that pre-policy incidents are included?? Am I crazy or should I escalate this with DFS??, I am in NYC. Any lawyers’ thoughts welcomed!!

So I have really bad neuropathy and have had for like 15 years. Can't feel anything below my knees. I developed a foot ulcer that was just not healing and after going to a foot specialist for 3 years my GP sent me to a wound specialist in Jan. My company had just switched to united health care so I wasn't very familiar with them. I went to the wound specialist every week or every other week for 2 months and I was actually seeing a lot of improvement and was feeling pretty good about it when my insurance told me they were denying a lot of the services so now I owe over $6,000! And this is on top of the $200 I had to pay every time just to go see him as a specialist. But the things that they are denying are things like the wound pad and the gauze that they wrapped my foot in for me to leave the office. The Doctor cuts away a lot of old flesh every time and its on the botton of my foot so am I just supposed to leave his office with a big open wound? Am I supposed to bring my own gauze? It's also saying that I got a device several times, but I never got any type of device. Also the amount that the doctor's office is charging for just a little bit of gauze is insane. It's saying that the gauze or pads are 16-48 sq in and they were just small squares so maybe my doctors office was padding the bill, but I'm not sure. I've tried appealing it but what else should I be doing? I've stopped seeing the doctor because I can't afford that so now I'm just back to not healing and having a constant worry that it's gonna get infected and I'm going to end up having my foot amputated. The claims say things like: Service description: A saline- or hydrogel-soaked gauze pad, 16-48 sq. In., used to cover a wound. The dressing protects the wound. Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Service description: Any one item used during a surgery. Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Please refer to the Exclusion and/or the Additional Coverage Details of your plan document for additional information. (CAD128) Service description Any sealant, protectant, moisturizer or ointment. The product is used no to protect nntont the the skin ckin against against tears tears or or breakdown breakdown caused caused by by tape or other adhesive material. Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Please refer to the Exclusion and/or the Additional Coverage Details of your plan document for additional information. (CAD128) Service description: A sterile pad, 16 sq. In. Or smaller, made of gel fibers to cover a wound. The pad is used as a protective dressing Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Please refer to the Exclusion and/or the Additional Coverage Details of your plan document for additional information. (CAD128)

Hey everyone, I got a call recently from a company called Wilber, saying I owe them money for an insurance-related matter. But the amount they’re asking for is way more than what I actually owe. This happened in Texas, and it caught me off guard. I tried asking for a breakdown of the charges, but it still doesn’t add up. It feels shady, and now I’m just wondering—has anyone else in Texas dealt with something similar from Wilber? Did you resolve it? Did they back off or escalate it? Just trying to figure out if I’m being taken advantage of or if this is some standard (but aggressive) practice. Any advice or shared experience would really help. Thanks in advance!

I am 20 years old and on my parents insurance. I got prescribed a medication under the impression that they would not be notified but my dad got a call about the prior authorization being approved and also a letter in the mail. Does anyone know how to change this/prevent this happening again in the future?

Hi, I’m trying to find pet insurance for my 4 month old Maine coon but Pet plan is extortionate. I don’t know any other insurance company that pays direct rather than potentially being stuck with a huge bill to pay upfront. £47 a month seems high for a young indoor kitten/cat. Why is Pet plan so expensive compared to other providers, do they offer more or is it because the pay vets direct? Can anyone advise if cheaper policy with insurer that will pay vet direct?

I’m looking for auto insurance but I keep getting ridiculous monthly quotes from $700 to $900. I’m a 2nd year college student, 20 years old had my license since I was 18, no accidents. I don’t have any car under my name, but i would be trying to get an old mercedes insured which is considered a “sports” car (family car they don’t use) for some reason. I am currently living with my parents, last time i called, progressive started charging my parents for me to NOT drive, to be an excluded driver. Which was crazy to me. I had to call and tell them I moved address. I tried getting a quote using a fake address saying I live with a friend but they started naming people in said address and asking for their DOBs (which i also read was fraudish?). I really don’t know what to do, i need to commute to school full time, but money is tight with classes, any advice ? Thanks !

When I bought my car in 2022 i was living with my dad in florida and he signed for the car with me, in order to bring my payments down a bit the dealer recommended he be listed as the owner and i am the co-owner. I have since moved to Illinois and I was looking to bring down my insurance by getting my own policy, but he ended up receiving a threat to suspend his license for the car not being insured even though it was, so i just added him to my policy anyway. Now I’m trying to get a new policy because unfortunately my dads been in like 3 accidents in the last few years so State Farm dropped me after i added him on. Does anyone know if the primary owner HAS to be insured even if across the country or if he could file something specific proving insurance without him being listed? Or would i be able to just make myself the primary owner even though i’m still financing the car?

Currently have metlife and i’m not happy. I pay $100/month for 3 of my cats. Theyve been putting me through hell & back for MONTHS over a claim I submitted for a $12 medication that will only go towards my $500 deductible anyway, every few weeks they ask me for more paperwork and information, now they want a handwritten letter from my vet explaining WHY my cat needs this medication. It’s always something new and im over it atp and realize if something ever major happens to my cat are they even gonna cover it? cause it soundd like not and i’m wasting my money.