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 enrolled my pup in Pet Best insurance last year, including the wellness coverage. I submitted a claim for a vaccination on April 19, along with the receipt and clinic record. It’s now been over two weeks, and the claim is still listed as "pending review" with no updates. I’m confused why it’s taking so long—wellness claims shouldn’t require checks for pre-existing conditions, and there’s no deductible involved. What exactly needs to be reviewed? Thankfully, it’s a small claim, but I can’t imagine the stress if it were a large expense. Has anyone else had a similar experience with Pet Best?

I have had embrace for 10 years on my dog and cage and have had claims and have a 90% Reimbursement Rate they are awesome . Over the years rate increase were always as expected .I just got my Renewal and it sky rocketed from $220 a month to $340! Any one else experiencing a dramatic rate increase?

Hi, I’m looking for help on disputing information on my CLUE report. Back in March 2024, in Arizona, US, I was involved in a accident which was deemed to be the other driver’s fault. The payout went out from their policy. We were both insured with Progressive at the time. When I first called to report the accident, Progressive opened a claim on my policy, I wasn’t aware it was on my policy at the time, however, I made it clear to them that the other person agreed to having been at fault and gave me their insurance details. When the adjuster first contacted me, they spotted this mistake and closed the claim on my policy with 0 payout and opened a claim on the other party’s insurance, which ended up in a payout of $1400 to me. While shopping for insurance last week, I saw that progressive is listing the above accident as a non-chargeable at fault accident with 0 payout. To get this corrected as a no-fault accident on my LexisNexis CLUE report, I will need to raise a dispute, howe

What kind of company does this where they don’t accept my debit or credit card for monthly premiums. They will do checks, but still.

My stepdad passed away mid march, he told me years ago if anything ever happened to him that he had life insurance. The past week ive been trying to figure out his policy number to get more information regarding all of this. I still don’t know his policy # but now have a claim number and they have emailed a document that I need to sign. In order to access those documents I need a “code” which is the date of birth/date of death, unfortunately the first agent got the date of death wrong so I got locked out, they had to resend it again. Today I finally receive the email again, I STILL cannot access it because they keep putting in the wrong date.

Hi all, I am looking for advice regarding my vehicle that was determined to be a total loss from a collision a couple months ago. It’s my first wreck and figuring out what to do every step of the way has been a total struggle. The communication between me, the insurance adjuster, and the shop has been absolutely terrible (with some information intentionally left out, it feels like) and I could use any help I can get. I’m in Oklahoma btw. A couple months ago my ‘08 Mercury Mariner was rear-ended. Her insurance company, State Farm, determined it to be a total loss and offered me $7000 for the vehicle or $5800 to retain it. The vehicle has sentimental value to me (was my grandma’s car) and only has 64,000 miles on it and since it’s been in the family so long I know its history (NO mechanical problems whatsoever) so I would really like to retain and repair it. The shop that did the estimate provided a quote of $5100 to repair it. The insurance adjuster said the title would be clean if I retain the vehicle. My main question is, if I put the full $5100 into repairing the vehicle and I get hit again, will I get less money from insurance since the vehicle was already a total loss at some point (even with a clean title)? The adjuster said that that wasn’t true but also said the car had to be repaired “back to brand new” which seems like an impossibility/possible loophole that can be used later if there’s another wreck. My brother thinks I should put as little money as possible into it so if I get hit again I can have some of that $5800 to put towards a new car. Like I said, total idiot when it comes to this kind of thing so any advice or clarification is welcome. Thank you in advance!

I'm in a little bit of a conundrum. I have both a Roth IRA and an Individual Brokerage Account with Charles Schwab. I also had a retirement account worth $15,000 including a Roth 401k with John Hancock, but then I changed jobs. I decided to roll the money from John Hancock over to Charles Schwab to make things more simple by having everything with the same institution. They said they would send me two checks made out to Charles Schwab. I looked today at my John Hancock account and it now says my balance is $0, so I'm guessing they have issued the checks. John Hancock said there will not be a 20% tax because it is a rollover. However, I called Schwab and they said there would be a 20% tax. I kept asking questions about it, but the gentleman said to consult a tax specialist. I don't have a tax specialist and I'm not trying to spend a lot of money to consult one. Also, Charles Schwab said the checks need to be for the exact amount going into the Roth, and the exact amount going into the Individual Brokerage Account. I never gave those numbers to John Hancock. What would you guys do in this situation? I really don't want to lose $3,000 due to taxes if I can avoid it. Also, can I trust Charles Schwab to give me the best advice for me here since they have a personal interest in getting the money into their bank?

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!!

Just a little PSA for people who weren't aware, when you move you may lose access to your old policy. I've had my policy for 2 years and in that time one of my cats turned 15. because I'm moving, they are charging me a deductible again and also won't cover my cat on the same plan anymore due to age. I'm going from 80% coverage on an unlimited amount to a cap of $2,500. in a HCOL area. I'm obviously devastated but just wanted to share. might have chosen a different place to live if I'd known how screwed I would be.