I was laid off effective 3/31. (Thanks, Trump and Musk.) I filled out the application with PENNIE on 3/31. Got approved and told I have 60 days to select a plan. I called PA/PENNIE then. I didn't have my COBRA info yet so couldn't make an informed decision. I just logged back on to PENNIE and while it still says "you have 52 days to choose a plan," the effective date is coming up as May 1st, not retro to April 1st (like how COBRA works). I've called and the rep is not well-informed. The last time I called, another rep said "yes you can choose later and it goes retroactive."

I was hit by a Lyft driver back on 11/17/2024. They didn’t check their blind spot and merged into me on the freeway. My car’s front bumper is cracked and messed up, I had to change that tire, and my windshield wiper fluid tank is cracked. I don’t have proof of the accident but I filed a police report as soon as the incident happened and I recorded the situation right after. I think it’s very obvious (from the damages and location of the accident) that her car hit my car. This problem became complicated because they were using a Hertz rental vehicle, not their own car. The driver gave me their insurance information and she claimed that she bought “extra insurance” to cover incidents. I come to find out, her Hertz insurance doesn’t cover the incident because she was driving for Lyft? And Lyft is now saying, “If we agree to pay for some or all of your property damage on behalf of our policyholder, we will only consider reasonable rental expenses, for a vehicle comparable to the damaged vehicle, and/or reasonable storage expenses for reimbursement.” Does this mean they will not be paying for any of my actual damages?? I unfortunately do not have collision coverage, I only have California state minimum requirement. I’m looking to switch but full coverage was just way out of my budget at the moment ($400+ per month). Please help :( I don’t really know what to do next. I’d appreciate any advice!!

I applied for a comenity card through Forever21 (big mistake). I had a total debt of $300 dollars on that account. The customer representative took down the wrong address and name so I never received a physical credit card resulting in not being able to make the payment. I had to leave country for a month and I couldn’t receive any calls from comenity resulting in a 60 days late payment. My credit score plummeted from 715 to 533 (Feb 2024). I am trying to get my credit score up. Despite my $2000 spending every month on my Amex card, my credit score has gone up to 581. I moved to US in 2022 so I don’t have a long payment history. What are my options here? Should I contact comenity? Or should I try to contact Transunion? I’m worried that I will get not get an apartment now that my lease is coming to an end.

Hey everyone, looking for some advice. Back on February 6th, I got into an accident when the roads were icy, and sleet was coming down. I was driving under the speed limit, but my car swerved and I stupidly slammed the breaks (didn’t know that was literally the no.1 no no) and ended up swerving into a different land and a truck ended up hitting me on the passenger back side. The car was totaled. Fast forward to now—I just got a notice from progressive saying I was found at fault. They included a form where I can contest it, but it costs $50 to do so. The form asks me to describe what happened, including the weather conditions. There was a decent gap between when I stopped swerving and when the truck hit me, so I feel like I might have somewhat of a case? But even then, is it even worth sending the $50, or is it just a formality with no real chance of overturning their decision? At the scene, the police told me the other guy had a dash cam, and I don’t have any other proof that I wouldn’t be at fault. Also, would this at-fault ruling impact my insurance premiums down the line? Appreciate any insight!

Seeking advice from folks involved in the auto insurance industry... A bit of background. We've been insured with State Farm continuously for over 30 years, getting both home and auto insurance from them. A couple of weeks ago we received a notice that they were dropping us from our auto coverage because there were 4 claims on our record: 1. An accident where my wife was at fault, where she hit a car in a parking lot. Our insurance ended up paying out about $3,000 for that accident (mostly to other driver.. very little damage to our car) 2. An accident where my 17 year old daughter rear-ended another car at low speed. There was minimal damage to the other vehicle (scratches on the bumper) but due to the age of the car my daughter was driving, the amount of damage to her car was high enough that the vehicle was totaled, and the insurance paid about $6k to us for the totaled vehicle. 3. My older daughter was riding her bike (pedaled bike, not a motorcycle) 4 years ago and was hit by a car who illegally ran a stop sign. The other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim to anyone. In Texas apparently anytime there is an accident with a bike and police are called, it gets reported to your insurance. 4. My older driver was riding her bike again 2 years ago and was again hit by a car who rear ended her as she was legally riding on a city street. Again, the other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim. State Farm said that those 4 accidents were enough to drop us from coverage. (Technically, it's a non-renew, when our policy ends in about 3 weeks.) While I personally strongly disagree with them considering the 2 bike accidents, their representative told me that they are within their rights to do so, and that they have indeed done so, and that "there is nothing you can do to appeal". That upsets me, but that actually isn't my question! Because we're being dropped, we've searched for alternative insurance. I have obtained quotes from a variety of companies, and found that Progressive is offering coverage that is comparable (actually, a little better) than the State Farm coverage we had, at a fairly significant reduction in cost over what we had been paying State Farm, so we're switching as soon as our current term with State Farm ends in a few weeks. On one of our vehicles that is currently insured (with comprehensive and collision coverage), we sustained hail damage on the car a couple of years ago, resulting in dents to a number of the body panels and a crack in the windshield. None of these things bothered us that much, and we've just let them go. However, we are considering filing a claim for that damage before we leave State Farm and getting them repaired. I'm not sure what the total cost will be, and it's a somewhat older car, so I'm worried that MAYBE the cost of repairs could end up reaching the dollar threshold where they would total the car, but there is nothing whatsoever else wrong with the car. Here's my real question: If we did file this claim with State Farm before we leave them, is there a potential that this could come back to bite us later with Progressive? Would having this claim for hail damage impact our rate with Progressive, either now or later? Also, if they did decide to total the car, it's almost certain we would choose to buy the vehicle back (not relinquish title) and then hopefully fix the damage on our own, as best we could, using whatever State Farm paid out after the buyback. However, would the fact that the car had been totaled impact its future insurability or our rates for insurance coverage? (We've had a history of always getting "full coverage" on our cars, even though they are paid off.) My understanding is that Texas does not require a salvage title on a vehicle if it is totaled due to hail damage, although I'm not positive of that. Any advice from folks "in the know"? Thanks so much!

Just like it sounds. I was involved in an accident a month ago. Other person was declared fault. My insurance is handling it well. Unfort, every time the at fault persons insurance calls me and leaves a message, it’s a different adjustor? I’m curious to why that is. I only have 2 from my own insurance calling me, the regular adjustor and the person above him just in case we have more questions or he can’t answer a question himself. I just think it’s wierd that the other insurance company has tons of adjusters and it is annoying. Don’t know how they don’t miscommunication with one another. I honestly tell the other place to talk with my adjustor.

I've had Fetch since my dog was less than a year old. The only pre existing condition he had at the time was allergies. I knew IVDD was common with the breed (French Bulldog), so I wanted some cushion in the event he ever needed surgery. He is now 6, and has been diagnosed with IVDD, but hasn't required surgery and hasn't had any signs in over a year now. The only other condition he has had was lyme, but that was taken care of so I'm not concerned about that either (never met the deductible with that treatment). Fetch doubled my rate a couple years ago, so I dropped my coverage to $5k and deductible to $750, 80% coverage. I've been paying about $712 annually for 4 years now. Just got an email that they're increasing this to $1650. I can't justify that for the crap coverage I'm getting, but I KNOW something is going to happen as soon as I cancel. I'm coming to terms that no matter who I switch to, IVDD will not be covered, so I'm mostly now thinking of any other issues he may have as he's getting older. I'm looking at **Spot, Pets Best, and Embrace**. They all have better coverage amounts for under $100/month. Spot says: '...we will no longer consider a condition to be pre-existing if it has been cured and free of symptoms and treatment for 180 days, with the exception of knee and ligament conditions". Anyone have experience with this? Seems too good to be true. They're quoting me $80/month for 10k limit, 70% reimbursement, 1k deductible. Also open to any other recommendations!

I sent the check for mortgage payment to Newrez on April 4th with USPS. still havent seen the payment made on the account Should I be concerned that in the case they proc.ess the check later, that they wont apply it to principle or could be taken as payment for next months bill?

I have a pair of Sphynx cats—both female, spayed, and 1.5 years old. Right now, I have Trupanion for their pet insurance, and overall, I’ve had a good experience with them. That said, one of my girls had an allergic reaction earlier this year that required multiple follow-up visits, and the out-of-pocket costs for exams alone really added up. I reached out to Trupanion, and they said I’m allowed to have a separate wellness plan from another provider to help cover things like exam fees and routine care. So now I’m on the hunt for a solid wellness plan—mainly one that covers exams, vaccines, and most importantly, the annual HCM screening for both girls. Trupanion might or might not cover that since it’s kind of a gray area between diagnostic and preventive. I’m betting they’ll treat it as preventive, so I want a backup plan. Any recommendations for wellness plans or other insurance options? Every time I think I’ve found a good one, I come across a flood of awful reviews (though I know that’s just the nature of insurance). I do plan to call and confirm coverage details before signing up, and I’ll also ask if they can review my girls’ vet records to determine what they’d consider pre-existing. Thanks in advance for any suggestions!

Anyone familiar with this? Or the MassHealth system in general? I am behind befuddled here. Received notices over the weekend that my children’s MassHealth Standard was downgraded to MassHealth Family Assistance. Mine stayed the same. Dads was terminated. We are not married. Dad goes through the VA and does not need health insurance. He is 100% disabled through the VA but still employable ‘outside his field’. The kids have been on MassHealth for at least 7 years now. Dad got a job last year, we reported the income, nothing changed except for his no longer needing health insurance as he didn’t realize the VA was sufficient (we are required to carry health insurance in Massachusetts). I received these letters this weekend and cannot get a live person on the phone. I don’t know if I need to find the kids a new health plan or not. The letter is not clear, at all, as to what my next steps are and coverage ‘ends’ from MassHealth Standard on this coming Saturday. One of my children was born with several medical conditions and we pretty much live at the doctor/specialist. If anyone had any guidance or advice I’d gladly take it!