Just got an increase from $385/month to $1137/month for accident and illness for my 2 dogs (about 14 yrs old in CA, USA). I've had Embrace for 10 yrs and this is absolutely insane. Should I change companies? Now that they're older, they'll have some preexisting conditions if I do new evaluations with a new provider. But I definitely can't afford this!

I have a health plan with Aetna, and for specialist office visits, the copay is $65. For outpatient diagnostic testing, there is no charge, no copay, and no deductible applied. I went to my specialist's office for a blood test with a nurse, without seeing the doctor. A few weeks later, I received a bill from the doctor's office showing that I owe $65. I called my doctor's office, and the finance department said they billed using CPT code 36415, which is correct. Then I called Aetna, and a representative said, "Because the lab is an in-house lab at my specialist's office, if I go to a doctor's office for outpatient diagnostic testing, the $65 copay applies since I received a service from the provider." Is this correct? I had blood work done at other specialists' offices last year without seeing the doctor, and I wasn't charged the $65 copay. Did Aetna change their terms this year? Has anyone had a similar experience? Is it normal for Aetna to categorize diagnostic testing done in a specialist's office as a doctor's visit?

About an year ago, I was rear ended at a stop sign by a Truck. I did not call the police as I was in a shock and didn't think through it. However, the person agreed it's his fault and shared with me his insurance details and I too the photos. The next day when the rental company looked at the damages they asked for the insurance details and only then I realised the other party's insurance was expired. The rental company used my insurance for the claims. When I called the party that hit me he said he would pay out of his pocket for the expenses but ghosted me since then. I was very new to the US then and hence did not know the legal options I had. I just saw a post today that someone got sued after an year. Can I still sue them after one year with only images of the incident and the person's expired insurance? Location: Miami, Florida My Insurance: State Farm (in Atlanta)

Been with Healthy Paws for quite some time. They were great during the life of my senior dog that recently passed away. I have another senior dog whose rate just increased by an insane amount and have been debating whether or not I should keep paying it or just cancel and set that money aside. She does have pre existing conditions so unfortunately getting her on a different plan seems pointless. I have a 8 year old cat with no pre existing conditions and a 10 month old dog. I would like to have them on pet insurance but I feel like every company I research there are some good reviews and then horrible reviews. Is pet insurance even worth it anymore? Does anyone have any good companies they would recommend? Thanks.

I'm probably going include an annoying amount of detail, so feel free to skip to the tl/dr. A little more than a week ago, I was struck by a car while riding my bike on a sidewalk (legal in my area). The driver was turning right and only checked to his left. I slowed and thought he saw me (FL allows DARK tint). I was wrong. He impacted my tire and my knee only stopping when I stuck his passenger window with my fist. My first words were "did you even fucking look?" at volume 24. That prompted a "calm down lady". I saw red about the same time that I noticed his EMT cadet uniform. The officer who responded didn't ticket him. But the crash report is clear that he is at fault. The officer asked if I would be willing to allow the driver to pay out of pocket if the damage was property only. I'm not a monster wanting to throw barrels into the path of this young man's life so I had the wheel repaired and ignored the minor cosmetic stuff. I texted him the $33 bill from my very reasonable bike guy. He swore he would send a check. (I do not want him having access to more information than he currently has). Well guess what? Yeah. I'm just done. I want to make a claim on the policy on the police report. But it's GEICO, which us also my own insurance policy. Will the pidling petty little claim red flag me to my own carrier? Tl/dr Emt cadet hit me with a car. Got very lucky with a tiny amount of damage. Will Geico ding me if I file a claim since he failed to self pay?

Bear with me as I’m a bit new to car insurance renewals, (this is my first car)! 😭 I have Geico So my renewal date is this month and it’s stated in email that the amount due is $353… my regularly scheduled amount paid a month is $240. I wasn’t sure if the $353 was just a renewal fee for now and after paying I would go back to paying $240 OR if the $353 was my new monthly payment. I didn’t want to wait and find out so I went to my Geico app and had a chat with a representative. I asked and was told: “I really appreciate your patience here! Okay, so the reason for the double payment you are seeing is because, although this plan does not require autopay, it does require you to be paid ahead. Since you were no longer enrolled into autopay your payment planned switch over to this plan at your renewal. If you were to decide to reenroll; your payments would all, be $237.28 monthly. But you'd need to make the payment of $237.28 on or before August 19th to be eligible. Once you do, you'll have the option to enroll and switch back over to the regular monthly plan.” This confused me because in email it says I owe $353 so I feel obligated to pay that and not ignore it. To confirm I asked them to clarify and was told to do exactly that. Ignore it and it will adjust. I responded: No problem. So sorry but l'm a bit confused because it says I owe $353 by the 19th... so do you mean I pay that and it goes down to $237? Or just ignore that and pay $237 on or before the 19th? they responded: “Correct, that is going to show this way since you're on the payment plan that requires you to be billed ahead. You pay the $237 and once you do, the billing will adjust when you enroll back into autopay and switch over to the regular monthly plan. Yep, you got it! Ignore that and it will adjust automatically once you enroll again.” I went ahead and enrolled in auto pay and it adjusted my payments to $260 after paying the $353…I’m guessing it’s because I have to pay the $237 first and then enroll in autopay? I don’t know, I’m so confused… I’m thinking of calling instead of doing an online chat just to protect myself from the madness. It doesn’t feel right because it feels like I’m ignoring my bill especially since I didn’t even know I’d be paying a little less than my usual unless I spoke to a representative. Feels like a cheat code in a sense lol… Lastly, I JUST realized that it was showing me the $260 as an updated payment (after the $353) the entire time on the email. I was just so in a rush. I’m all over the place, sorry lol… but that doesn’t change what the representative said so I’m still stumped.

My car was hit from the side by an SUV. After getting advice from this subReddit, I opted to allow USAA to use a Toyota collision shop in their STAR network to do an inspection vs. going with a non-STAR collision center/appraiser (I still can pay for this out of pocket if needed). The consensus of this subreddit was that USAA collision centers are decent and wouldn't try to skip out on repairs just to keep estimate under the 70% threshold for totaling a vehicle (that was my concern as the car was hit near the hybrid traction battery and I believe it should be replaced) The STAR-network shop contacted me individually and is demanding me to sign full work authorization forms and power of attorney before doing an inspection/estimate. In my state, I am legally entitled to an itemized estimate before authorizing any repair work. I'm okay authorizing an initial inspection but I do not want to give full repair authorization AND assign them power of attorney before reviewing and approving

I posted here a couple days ago about a stolen motorcycle (thank you all for reminding me not to commit fraud) and I called Geico about some questions I had. The told me I could get the collision and comprehensive policy right now, after the theft, and if the person who stole my motorcycle gets into a crash with a stationary object or another car and the motorcyclist is at fault I could be compensated. I got qouted for the coverage and it's $4,717.62! I paid $791.07 originally and the new total will be $5,508.69. I'm assuming since this policy covers the vehicle its more but $4,717.62 is absolutely crazy. I don't think I will be getting the policy at this point because of the depreciation on the bike makes it worth around $8,000 and the insurance would be almost half what the bike is worth. Even at rates of a new rider that seems fairly high. I apologize for the rant, QUESTION: Is this a normal quote for the policy on a motorcycle or is that something because I am a new rider?

Location: Virginia I live in Virginia — a state where “as-is” sales are firm, but not completely lock-tight. I bought a 2015 Chevy Silverado 1500 from a small used car dealer less than two weeks ago. It was sold “as-is,” but the salesman promised a 90-day free warranty at the time of sale. Later, I was told it wasn’t added because he had “already paid processing fees.” Four days after purchase, the transmission started acting up. By day five, it was shuddering, slipping, and losing power. I took it to a trusted transmission shop, and they dropped the pan and found a significant amount of metal shavings — consistent with a problem that had developed over many months. This wasn’t a sudden failure — it was clearly a pre-existing issue. I thought I was covered under the extended warranty I believed I was buying through my loan. Turns out that warranty (Route 66) denied the claim, stating the damage was pre-existing. Here’s what I’ve done so far: •Filed complaints with the BBB, Consumer Protection Agency, and the Motor Vehicle Dealer Board •Reached out to several lawyers — I’ve got two consultations scheduled, but they’re still a ways out •Still struggling to find an attorney who handles consumer auto fraud/litigation in my area •Tried contacting the dealership multiple times — I’ve: •Called both numbers posted on their door •Left voicemails •Emailed •Messaged them on Facebook •Even stopped by in person — no one was there •The last thing I heard from them was “follow up after the diagnosis” — and nothing since •I’ve also requested cancellation of the warranty since I feel it was misrepresented and clearly not helpful Now I’m stuck using money that was supposed to go toward my loan to cover the canceled warranty and looking at paying out-of-pocket for a major repair. At this point, I feel completely stuck. Has anyone else been through something like this in Virginia? Do I actually have any legal options — or is this just one of those expensive, awful life lessons?