This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

Location: Indiana I have just been informed that my son's great grandma (who has never ever had her address used for our Medicare nor been approved to know anything about his or my medical info) has been receiving all of our Medicare information. I have over 5 letters for both him and I in regards to our benefit explanations, they even stopped his benefits and I had no idea!!! I'm upset because he has an upcoming appointment very soon for his 18 month check up and I don't even know if he will be covered by then. I have no idea how they even got her address. She recently moved, and I didn't even know her new address. But somehow, they have all went to her. I'm so confused as to how this has happened?! And I'm really mad that she had (if she chose to open the mail, but she did not open any of it) complete access to our information like that. What can I do about this? I plan on calling Medicare tomorrow but I really think this is a huge issue and I'm pissed honestly.

I submitted a claim for a Wellness Benefit. Date of service: Feb. 2025 Aflac denied the claim on the grounds that a Wellness Benefit had already been paid out this calendar year. But the last Wellness Benefit had been for a date of service in November 2024, so last year. The only way I can figure it is that my policy began in May 2015, and that by "calendar year" they mean May-to-April, not January-to-December. Or.... are they wrong to deny my claim?

Basically my ex lied about his dog who was his sister’s first. She has been insured since she lived with me with my ex. I put her under my GSD’s policy and I’m glad I did once she was abandoned lol. Anyways, Lemonade uncovered her past medical records that I didn’t even have. Due to this, they tried denying an entire claim, which included a new illness. I kept escalating it and finally they agreed to cover some items pre-existing and agreed the new illness was to be covered. You won’t be able to argue everything but don’t be afraid to keep pushing back if you disagree. I made them keep the case open for 6 months until it was correctly resolved. Also, Lemonade does have a phone number.

So a few years ago Freedom Mortgage bought my Mortgage from Veterans United. I qualified for a VA rate adjustment at some point down the road and they were very helpful to set up a payment system where I am paying money every two weeks shaving years off the amortization schedule. The problem arose when we had water damage to my house during a storm. After getting the insurance figured out, there was mold involved which made things tricky, I had a large check which was going to be used to pay the final contractors to put the house back together. The check was sent to me, I signed it and sent it to Freedom because it was large enough to require the involvement of the mortgage company. The problem arose when they kept moving the goalposts and demanding more paperwork, more inspections, and more reports. After nearly two months of providing them with everything they finally cut a check, for less than the originally cited amount. I was told the amount was less because they withheld money which had already been paid. They said if I wanted more money I could either give them an itemized list, down to the nails, of every penny I am asking for or get an inspection at my expense to confirm the work hasn't started. Freedom is holding my money hostage and making every step of this process impossible. I cannot stress enough to get as far away from this company as possible. The only reason I am still with them is my 2.25% APR. The scariest part is their inability to tell me what they are going to do with the extra money once we are done.

My first mistake was insuring through state farm. My second mistake was using one of the preferred shops that state farm recommends. My liftgate had a dent covering 40% of the area of the surface plus it was bent on the inside frame. State farm insist they can repair this by bending the panel back in place and filling with bondo. This is the worst way to fix this door, but State Farm doesn't care they just want a cheap repair. STATE FARM IS NOT A GOOD NEIGHBOR - THEY ARE VERY DECEPTIVE AND WHEN IT COMES TO YOUR CAR REPAIRS THEY WILL SCREW YOU BIG TIME.

Has anyone used Clements Insurance? I'll be in Bangkok for 6 months to a year and I'm looking for full coverage on expensive personal property. They say they provide that coverage, but saying and doing....

I see a lot of hate on this device. Much of it is deserved, but I think the biggest issue is that most people are using the app and not the plug-in device. I’ve had my current one for three months and have a perfect score. I used it on another vehicle and got 30% off my premium. It’s not a “scam” as many call it, well not precisely. Progressive does want you to fail. If you live in the middle of a large city and you drive in rush hour traffic every day – I would not recommend getting it. Find cheaper insurance. Again, NO ONE should EVER use the snapshot app. It monitors EVERYTHING. Please don’t use it. The plug-in device ONLY monitors how hard you brake, how fast you take off (press the gas) and time of day. There’s no gps on the device. It doesn’t know if you’re speeding or if you’re using your phone. Here are tricks that work for me: 1) You have to pretend like you’re driving on ICE. Pretend the road is covered in black ice the whole time and drive accordingly. It’s anxiety-inducing, but it actually works. 2) Every single move you make with your car needs to be endlessly thought out: your route, all the stoplights on your route, traffic, times of day. 3) You have to stay far behind cars. Watch every car in front of you like a hawk. You basically have to look at each car as if it’s going to pull in front of you or brake hard. Expect it. 4) You need to take the back roads. If that’s going to delay you, leave early. 5) One of the riskiest parts are stop lights. That’s why you try to avoid all major roads. 6) Don’t drive late at night. Take an Uber. If your job is 3rd shift, don’t use the device. 7) Use another vehicle if you have one and use the snapshot vehicle twice a week to go somewhere near home or somewhere easy to get to. 8) Buy a “this car is monitored by GPS” or “student driver” magnet or sticker so that you get less road rage from people. This is what’s helped me. Hope it helps you. Remember: THE ROAD IS ICE. Make it into a game if you have to.

As the title states, I was involved in a slow motorcycle collision with a Tesla. I was lane filtering the far right lane on a 3 lane one way street. The Tesla turned right into a parking lot from the center lane without indicating directly into me. The video shows I was in the city (Downtown San Diego) marked lane going 20 mph but due to parked cars in designated parking spots to the right, Geico immediately claimed I would likely be found at fault. This is because my insurance claimed it “technically” isn’t a lane due to parked cars for some reason. This call was not 30 minutes after filing the claim at the scene of the accident. The agent over the phone made it very apparent they weren’t going to fight the fact that the Tesla who turned did not indicate nor check mirrors/blind spots. Sorry for the long read but can I fight my case to my own insurance (Geico) to avoid an at fault claim.

I have Delta Dental PPO. I get 2 free cleanings per year. One xray per year. Earlier this year, I got a cleaning and X-rays done at one dental office, but they dropped me as a patient because they stopped accepting Delta Dental. For my second cleaning, I scheduled with a different dental office. The receptionist there has been difficult to deal with. I explained that I already had my X-rays done at a different office and only needed a cleaning. She pushed back and said, “How can you get a cleaning without X-rays?” She asked if i can email the xray images, so I contacted my old office and had them send the X-rays to me and then i sent the all the xray images to the new office. After i emailed the xray images, the receptionist said I would probably need to get new X-rays anyway, but that I could wait and see what the dentist says. I explained that I’m only allowed one set of X-rays per year under my plan and that I’m not due for another one until next February. She said, "I KNOW! But how can we provide proper care without knowing what is going on." I reiterated that I only need a cleaning and can wait until next year for another x ray and she seemed to understand but not without an attitude. When I showed up for my appointment, she incorrectly said she checked my insurance and that I was eligible for another “free” X-ray anyway so it doesnt matter. I reminded her that I had already emailed them and dont need them again. She asked what email address?? She couldn’t find them in my chart until I opened up my phone to show my sent messages, then suddenly she “found” them and said never mind. Despite that, they still insisted on doing a single bitewing X-ray and said I would need to return on a separate day for the cleaning. I’m frustrated because I feel like I’m being forced into extra appointments and services I may not need or be covered for. Will I be charged out of pocket for this second X-ray, even though I already had one set done earlier this year? I thought Delta only covered one set annually. Has anyone else dealt with something similar? I also want to add that the other receptionists, dental assistants, and dentists have all been very nice and easy to work with. It's just this one receptionist that is very difficult to deal with.