I went to an out of network Health specialist. I had 2 visits for around $200 per visit paid via credit card. They told me to send my invoice/receipt to my insurance company and they would reimburse me. I submitted 2 claims to United Healthcare and they were approved as out of network which went towards that deductible. I just assumed that after that approval, a check from UHC would be sent in the mail to me. It wasn’t. I chatted with UHC customer service today and they said to contact the health specialist business to resubmit the claim as in network. Talked to the specialist business representative and they don’t deal with insurance AT ALL. They are out of network for everyone and leave it to the patient/customer to handle insurance reimbursements if applicable. I’m at a loss for what to do now. I know I have to get it sorted with UHC but idk what to say or do at this point. How do I get reimbursed? Was I not supposed to submit a claim? Should I have gone through a different process and submitted something else? I’ve never had to deal with this kind of situation before and I cannot afford to not be reimbursed. Any tips or help would be much appreciated. Thank you!

Hi, I had an accident in early May. A man smashed into the back of me while I was stopped with the indicator on to turn right. The car is driveable but its not driving normally. We exchanged details but then he went quiet so I completed an insurance claim with Youi, my insurance company. I do not have Preferred Repairer on my policy so I went to see a Youi I referred smash repair. Every step of the way I have followed their process and respond straight away with everything. I have taken the first available inspection and appointment with the repair shop. Then, on the day (July 1) I was to take my car in for repair, the repair shop tells me that I can't bring the car in because they still don't have the parts. I have contacted them again and they have said they still cannot tell me when I can bring my car in for repair. They're still waiting for parts. I am just looking for some advice on a couple of things. Is this a long time to wait to have a car repaired? Is it likely that parts can take weeks and weeks to arrive? Its for a 8yr old Lexus. Is there anything else I can do? I have asked Youi if I can just take the car to Lexus to be repaired but they said no because their preferred repairer has already ordered the parts. I just want my car fixed.

No claims in 12 years with Allstate. Hear their home claims are a nightmare. Hear good things about Amica. Carry homeowners, 2 autos, and an umbrella. Would cut my auto insurance half but double my homeowners leading to a wash prior to the amica dividend payment. Couple questions: What do you use to calculate your replacement cost for a house? Do you make any changes to that calculation if the policy has an overage waiver? My Allstate is 20% and the quoted amica is 30%. Any reason to carry additional structures if I don’t have a fence or our buildings? Any others to look into for insurance? With amicas rates in auto, it could make sense to break out my homeowners if we don’t choose to bundle.

Been with progressive commercial since start of business, 2 years, the called me last month and said the are dropping me as they don't cover my type of business in CA anymore. I pay 50k every 6 months, 10 vans, 12 drivers No claims made (that were our fault), I'd like to not pay 100k a year if possible, 1m/2m w/5m Umbrella Any other company suggestions? Thanks in advance!

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?

Has anyone had experience with Pets Best while abroad on a US base? We just moved to Korea and informed them we were stationed at a US base with a vet. Their declaration page states they will provide coverage if on a US base since it is considered US soil. We just had the worst outcome happen where the base vet could not see us and we had to take our dog off post. It ended up being large tumors with a likely cancer diagnosis. The agent said she cannot guarantee an outcome of the claims, but to submit them and cite extraordinary circumstances. Any advice or past experience. Both my dogs have been insured with them since 2021 and they have always paid out each claim no questions asked. Unsure how they will interpret my situation.

I had some large expenses come up that I couldn't afford, so I used the "Plan it" feature on my platinum card. Basically, you pay a fee, and then Amex lets you make installment payments on the charges. What I did not know at the time is that you pay interest on these payments in addition to the fees! The fees themselves were a couple hundred bucks, and I picked a 6 month payment plan under the assumption that I was paying the fees instead of interest. Am I overlooking something, or is the payment plan completely useless? I would have just carried the balance if I'd known what I was actually signing up for Edit: I confirmed with amex that I am using the "plan it" feature and not "Pay over time" so I shouldn't be paying interest, but because I have carried a balance that isn't part of the payment plan, I'm being charged interest on both. This feels pretty scummy and deceptive

My car was involved in an accident around July 4th, 2024. A little bit of backstory about the car. I had purchased a car used at the end of December for about $12k in cash. It felt like a solid car to drive, was well within its KBB value, and was signed off by a mechanic before its purchase. I needed a car for work since I had been reprimanded by my boss for not returning to the office when our Return to Office mandate was in place. I was eventually laid off for being out of compliance with this mandate a month later. Below is the account of the incident from my sister, who was driving during the time of the accident: * 7:15 pm - Leave the house to go to Whole Foods. * 7:50 pm - Gets pulled over by a police officer for having the taillights out. The two side tail lights were out, but the top one was still working. The officer mentions this to her and says that she should go home before it gets too dark. * 7:51 pm - Makes a stop at Whole Foods since she was a minute away * 8:38 pm - Leaves Whole Foods * 8:45 pm - He had to make an emergency stop for a flock of geese and gets rear-ended. She mentioned that she was able to stop, and there were other drivers around here who were also able to stop, but the person behind > her most likely wasn't paying attention. * 8:47 pm - The police were called onto the scene. * 9:00 pm - My brother arrives to pick up my sister, and my car was towed to a lot. I was not able to get any information from the police department on the stop that was made before that night. When I tried to file a claim through my insurance (Progressive), my claims specialist mentioned that there was nothing that they could do since I only had accident coverage, not collision. However, they felt that the other party was completely liable for the accident. From the accident report, I was able to get ahold of the other party's claims specialist (Allstate). They had mentioned that their party already filed a claim and that they would be reaching out to the driver for an account of what happened that night; my sister mentioned everything that I had written above. The specialist called back the following day, stating that the case would be going to arbitration and that I would be notified by mail on the resolution. She also mentioned that I could supply any information about the car to help my case. I provided some pictures of the car as well as the still functioning top taillight. I called back around the end of August to see if anything had been settled, but they again mentioned that I would be contacted by mail when a resolution had been reached. Fast forward to December of 2024, and I still hadn't received anything in the mail. Since I lost my job in February and was struggling to find work, I had to terminate my lease at my current apartment. And since I would be moving back to my childhood home, I wanted to make sure that the letter that I would be receiving was going to the right place. When I contacted the other party's specialist, they mentioned that not only was the case primarily for their party's damages, but it was also thrown out in September. They also let me know they would only be willing to cover 50% of the damages to my vehicle since my sister was aware that the car had 1/3 working taillights. With this in mind, I decided to call a few collision specialists in the area to get an estimate of the damages. Of the few places that I reached out to, only one would give me some information without going through insurance; that of which they mentionedd it would be anestimatedd $8k - $14k in repairs. Considering what I paid for that car, I'm not too sure what to do. I feel that the only thing that I can do now is try and see what I can get back from the scrapyard. Also, this is the first vehicle that I've ever owned, so I'm new to insurance and accidents as a whole. I also still don't have a job at the moment, so it probably wouldn't be in my best interests to try and spend $4-7k in repairs. The car is at my house for the time being, but I'd rather do something with it sooner than later. Typing this out makes me realize how terrible the decisions that were made have been up until this point. Any help would be greatly appreciated.

I am being found partially at fault for an accident I was not involved in, and I need some advice. Here's the situation: I was driving up to a busy intersection where the traffic lights were not working. I was in the left turn lane, waiting for my turn to go. Cars to my left were crossing, and once they passed, it would be my turn to proceed. As those cars started passing, I began to pull out, but I noticed a car behind them, still approaching the intersection. This car did not stop and just went through, even though it was not their turn. I kept going a little, hoping they would stop since it was clearly not their turn, but when they didn’t, I stopped to let them pass. At this point, I was already in the intersection, close to their path but not in the way. They could have passed me without hitting me. However, as they started to pass and I was completely stopped, they suddenly swerved left. I think they either didn’t notice me initially or assumed I was still moving forward, and they ended up hitting the car in the lane to their left—another car that also went out of turn. Since I didn’t think I was involved in the incident, I didn’t stop and just continued on my way. About a week later, I received an email saying that a claim had been filed. The car that was hit was a Tesla, and it had a camera that recorded my license plate number. I called my adjuster, and they told me the police report placed me at fault. The report claimed the officer saw video footage from the Tesla showing that I didn’t have the right of way and went when it wasn’t my turn. I asked my adjuster if he had seen the footage, and he said the attorney (both cars are claiming injuries and filing lawsuits) had sent only the footage from the Tesla's side camera. The attorney refused to provide footage from the front camera. Even from the side camera, my adjuster noticed a car ahead of the one that swerved which would indicate they went behind the car in front of them and did not have the right of way because they never stopped at the stop sign., but when he pointed it out, the attorney claimed he was mistaken and insisted the other driver had the right of way, not me. They refuse to provide any other videos or even a longer version of the video that would show they never stopped at the intersection. I actually have a dashcam in my car, but I didn’t think to save the footage, and by the time the claim was filed, it had been overwritten on my memory card. I gave a full statement to my adjuster detailing my version of the incident. I also contacted the insurance companies for both other vehicles (both GEICO), and they said they were accepting 100% liability for the car that swerved and didn’t need my statement. Two weeks later, my adjuster called and told me that, because the police report said the officer saw video footage placing me at fault and both claimants agreed I was at fault, he would be accepting 50% liability and paying out policy limits to the injured parties. Is there anything I can do at this point? I requested the body-worn camera footage, but it would cost $245 and wouldn’t be available for 6-9 months, so that seems pointless. I am actually a PD claims adjuster myself, but I’m just flabbergasted and don’t know what else I can do.

I will try to make it brief but can answer any additional questions. My wife and I started the process to have a baby. I was insured with Kaiser Permeante (KP) and went to my KP OB. I requested a specific genetic test to be completed (in writing). The DR ordered the wrong test, and instead of the largest panel I received the smallest panel. The records that were sent to me with the results have the name of the largest genetic test despite it actually being the smallest genetic test. I did not realize the error until a couple of months later when my wife and I had selected donors and had to go to a genetic counselor to ensure we did not have any of the same diseases. I was unable to move forward with me selected donors because I did not have the appropriate genetic test. At this time, I was no longer insured with KP and was now insured with BCBS. I went back to KP a requested they proved the correct test, they were unable to without drawing blood again. I proceeded with obtaining the correct genetic test under my new insurance. While waiting for the results both of my two donors were no longer available for purchase and I am now in the process of locating another donor. My wife and I are black, and we are only interested in a black donor. There is a national shortage of black donors and the two donors that we selected were high quality donors (attorney and a doctor). KP has acknowledged their mistake (in writing) and reimbursed me for the cost of the incorrect test. Can I sue the doctor for ordering the wrong test?