Sorry this is a long story Late May 2024, my husband was rear-ended, his car totaled. We have full coverage, so we opened a claim with our insurance, the same evening as the accident. Police came to take report, which they found the other driver at fault. They included that my husband was injured but refused an ambulance. We went to urgent care the next morning and he was diagnosed with a concussion and told to not work or drive for a few days. The other driver claimed to have the same insurance company, but they were actually specifically written off the policy (some kid driving his dad's truck) so he's technically uninsured. We spoke to the insurance agent many times because we've never been in an accident and didn't know what to do or expect. We were compensated for the totaled car and mentioned we'd like pain & suffering to cover the missed days of work & such. And then we just left it alone, I assumed they would investigate and make an offer that would at least cover the missed work. After about 3 months, we got a notice that a new insurance agent was taking over. We explained that my husband had lingering brain fog from the concussion and had follow-ups with his doctor regarding it. Agent#2 sent an affidavit form to sign that we had no other insurance & medical release form for my husband to fill out. We had the paperwork signed & notarized, and both sent it by mail with the business return envelope given and uploaded it via a special link sent by the agent. Again, didn't hear anything for months. I wrote an email to ask if there would be a discussion about a settlement, again ghosted. Another few months pass and we've been transferred to a new agent. She wants to have a conversation, but at this point we're a bit fed up with all these conversations leading to nowhere. I asked if we could communicate by email so that there would be a record and heard nothing until today, when Agent#3 asked me to fill out the affidavit again. It's now been 9.5 months. I'm concerned about the length of time being taken to investigate my claim. I've answered every question I've been asked, signed every form. I've had 3 different agents. In each case when I ask about a settlement or offer, I get ghosted and then eventually passed along to the next person. I'm not quite sure what more is needed. I had many conversations with the first agent. Each time I emphasized, I'm new to being in a car accident, I don't know what's the norm, so now I'm beginning to feel like I'm being taken advantage of, like there is some bad faith going on with Progressive. I must say, I was pretty upset to see them ask for a form I've already sent months ago. Are we starting over again? I don't understand. I didn't get a personal injury attorney because this sub says you don't need one. What are we missing here?

Has anyone subscribed to a Metlife cat insurance lately and selected the preventive care plan (375/575)? Are the individual limits (dental, Microchip, etc)clearly outlined in the policy packet? I bought a plan for my cat in March 2024, and there was no such limit (so the preventive care limit for a dental cleaning was the same as the original policy limit). I guess they were the only one to do that and they aligned with most other insurances.

hello! i recently got lemonade for my 4 month old kitten. since then, she’s had a UTI or what seemed like one, they couldn’t really tell because she’s very tiny or something like that. i submitted my claim the ends of october and had a follow up on november 1st. the month is about to end and our claims combined to a total of 1.5k~ ish. we have not received our reimbursement yet even with all of the paperwork sent in. lemonade status is just “in review” and usually, id be patient and we have been but sometimes this money could be used for bills or going towards food or another visit if she ever got sick. it’s just infuriating emailing and getting the same automated message of “thanks for being patient.” i dont know if this is a universal experience with every pet insurance because its my first time having a cat ^^ but if anyone can recommend any better service pet insurance or if you’ve had similar experiences let me know!!

Hi! I took the SBMA MEC for just about a few months in late 2024 with a new job I started. I went to the doctors on November 12th and also received bloodwork but later I received a bill for $2000 for the bloodwork and $1265 for the Physician Office Visit. I am wondering if Minimal Essential Coverage doesn’t cover basic bloodwork? Last I was told, Labcorp was waiting to hear back from SBMA for covering the services but I guess the insurance never got back to them and I’m stuck with this bill :/ I will be contacting SBMA again and also Labcorp to see what I can do.

Who else thinks that we should ban people who provide false or misleading information in this sub? Or at least have a rule against misinformation so that we can report comments with misinformation and get people can get banned from this sub? As a broker with more than 10 years of experience and running my own agency, I have zero tolerance for misrepresentation and misinformation. This is a bit of a rant with another post's comment from an agent from Primerica r telling a consumer that they should cancel a whole life that has been in-force since 1949 because they claim that the death benefit is going to be taxable, which is lies. We should be able to ban people from this because even the OP responded like, oh, I should consider that. As someone who genuinely cares about clients and protecting their best interests, this is something that boils my blood when I read. EDIT: I'm not talking differences of opinion (e.g. Term in better than permanent). I'm talking about LIES. Verifyable proven lies. Such as "the death benefit of whole life is taxable"

Location: UK I had an accident in December of 2023, which was third parties fault totally. Unfortunately they decided to completely ignore all correspondence from my insurance company and their own for as long as they could with deadlines, and drag this whole process right out, then at the last minute dispute it. This went on and on back and forth until November 2024 (almost a year after the accident and after the threat of court proceedings) when they decided to admit fault at last, and agree to pay. The solicitors that took over the claim for us emailed to let us know, there will be no court and our excess will be returned to us shortly, great! Except it’s April 2025, and we’ve still received nothing, the last email reply from solicitor I received was in January, telling me the third parties solicitor had assured them they had requested payment from third party. Since then radio silence from solicitors and no reply. I know it’s only £400 excess but it’s a matter of principle to us and with the current cost of living we definitely need this money back! Does anybody have any legal advice or insurance advice? As I thought admiral (third party insurer) would have to refund us our excess within a certain timeframe surely..? 18 months is mad! Thank you everybody in advance for your help, you’re all amazing!!

It takes them weeks to review claims. My dog had a diarrhea cause by a bacteria. My claim and appeal got denied because my dog had a diarrhea in 2021 and needed to prove that it’s not related. I even got a letter from my vet saying it’s a bacterial infection

I was hoping someone might have some insight on pet insurance. I have a 2 yo pit bull who, in the last year, started limping. (At this point, we did not have pet insurance) In May of this year, we took him to our vet and they did X-rays and said most likely he has a partial tear in his ACL, however he couldn’t really tell in the X-ray because he wouldn’t stop wiggling for the pictures lol. Fast forward 6 months, he has a hard time getting around now on both legs because he’s over compensating with the other leg which I was told would more than likely happen. I plan to get the surgery for him asap. We got Pets best insurance a month later after his appointment in May and we are just about at the “6-month waiting period.” I’ve never dealt with pet insurance before. I am familiar with the fact they don’t cover “pre-existing conditions.” I fear that when we go back in January for a new consult that the insurance isn’t going to cover his surgery because we stupidly took him to the vet prior to getting insurance. I guess my question is, has anyone dealt with pets best insurance for this type of situation? How were they? Also, would anyone recommend a different insurance company? I know there are a select few that cover pre existing conditions. I feel like I totally screwed myself taking him to the vet for this before getting insurance. He’s only two and I refuse to let him suffer his whole life because of this. Thanks for any advice in advance. Picture for attention ❤️

Fraudulent charges trying to get them resolved since October. Last month I finally got them resolved and they sent me a letter about the claim. Closed the account, 0 balance. Today they took back a credit for 78.20 and now the account shows a balance even though it is closed I cannot pay it! Already brought in CFPB!

I'm so offended by the "hard breaking" beeping, that when I get to 40mph, I've unfortunately started driving through yellow lights and barely miss it turning to red. I've always slowed at yellow lights before Snapshot. I always go the speed limit. Realistically, there's too much traffic in my town to be able to drive safely without hard breaking. Just want to share because if I'd known, I would've opted out of it.