Hello. I have mapfre insurance. I had a minor accident 2 weeks ago and submitted a claim on March 27th. They had me take pics of the damage(front bumper damage) I got my estimate from their electronic appraisal. I dropped off the car at an in network shop on Sunday, March 31st. That Monday the shop submitted a supplemental appraisal to have someone to check the car to approve more funds to get the car fixed from insurance. Since then there has not been an appraiser to come check my car at the shop. It’s been a week and it’s beginning to get frustrating. I was told many different stories on when an appraiser will come up until on Thursday an appraiser told me there was an issue in their system that prevented them from assigning an appraiser. I was told this past Friday that one has been assigned and will call the shop to schedule an appointment. The damage is minimal and the shop can fix the car in 2 days but can’t proceed without insurance. What are my options to make sure they have someone come on Monday? I’ve been without a car for a week and it’s been difficult to get around. Would love some advice on this issue!

TL;DR: my 8yo DSH cat has "slightly abnormal shape to heart," "discussed URI, allergies, etc.", and "susp. feline idiopathic cystitis" written in his vet records, all from different exams and illnesses over the last few years, but with no recurrence in illness or symptoms. Are these comments enough for insurance companies to say he has incurable preexisting conditions and deny coverage of any future health issues? I'm super late to the party (no one told me to get pet insurance when they're young), but I'm looking to get insurance for my two cats, Andy and Ollie. Given that they're basically my children and I'm finally in a position where I have a bit of income, I want to do what I can to make sure they're able to get whatever care they might need (though hopefully they never do). Both are 8 year old DSH, previously indoor/outdoor for 3 years, now indoor only, no major health issues so far (no ER visits, no chronic conditions, etc.). I've been spending a bunch of time reading up on different companies, policies, reviews, kinds of issues people run into, etc., spoke with an ASPCA rep and planned to call Lemonade and Pumpkin to ask some questions and compare rates and plans and such. With all the frustration and confusion expressed different places about claims being denied for preexisting conditions, I decided to read back through the vet records I have and see if there was anything that my cats might get dinged for. There are a few things off the bat: they're both a bit on the chonky side, but weight has been steadily coming down into good ranges. A vet noted mild tartar two years ago, which I know means there's essentially no chance of any kind of dental coverage, but that's not necessarily the end of the world. What's really got me worried is that Ollie has had a few illnesses that I could see insurance companies labeling as preexisting conditions and using to deny future coverage: * May 2024- After a wellness exam where the vet said he was in good health, he became lethargic, struggled to use his litter box, and barely ate. I got him back into the vet ASAP, and the doctor found his bladder was painful and a little swollen, diagnosed "suspected feline idiopathic cystitis (FIC)", and gave him an anti-inflammatory shot and gabapentin. Ollie responded well and recovered in a few days with no issues since. Importantly, the vet noted that the inflammation could have been caused by stress and that his bladder was full but "did not seem to be blocked" -- I know that urinary blockages are considered incurable preexisting conditions, so I'm worried that the lack of definitive language (ie "no urinary blockage") could provide enough wiggle room for them to call it an incurable PEC. * July 2023- This is the one I'm most worried about. I took them in because Ollie had been wheezing a bit after activities like playing with his brother. At some points, it sounded almost like he was trying to get a hairball out, but nothing ever came up. The vet ran some tests to check for heart disease, asthma, or a URI. His radiographs showed "no obvious signs of asthma" and "weren't a slam dunk for asthma", but unfortunately did show "potential heart issues, abnormalities on heart" and specifically that his heart was apparently a "slightly abnormal shape". She recommended a proBNP to see if his symptoms were heart-related and it came back negative, so she said it was most likely a URI and gave him antibiotic and steroid injections with instructions to come back for a trial asthma treatment if he didn't improve. Thankfully, he did improve and hasn't had any wheezing since. -- This is especially concerning because 1) asthma is an incurable PEC and even though none of his vets has ever diagnosed or trialed treatment for it, the fact that asthma was even mentioned could be enough for them to call it a PEC; and 2) the "slightly abnormal shape" of his heart just screams guaranteed denial of coverage. And if this is considered an incurable PEC, what kind of probably serious things could they potentially refuse to cover because it's tangentially related to his heart? * Also, Ollie is a snorer. It's never gotten to a point where he's stopped breathing or anything, but it was happening frequently enough that I brought it up at a wellness exam. We used to live in a house that got fairly dusty, so I asked the vet if allergies might be contributing to his snoring and if an air purifier might help. The vet records read "Disc informed O about URI, allergies, etc.". Really really hoping that me asking about allergies doesn't lead to a future issue not being covered. So yeah, I feel like there's enough in his records for insurance companies to reject so many different kinds of claims, especially claims for cardiac, respiratory, or renal health issues, by saying these illnesses (and snoring) are evidence of incurable preexisting conditions. One of the big reasons I want to get insurance is in case cancer tries to rear its ugly head, especially since both of my childhood pets died young from cancer and all my family could afford was basically just pain management. I don't want to go through that again with my boys, and there are also a ton of other big health issues that could pop up and (hopefully lmao) be covered by insurance. But as much as I want to believe that they'd be reasonable, at the end of the day, these insurance companies aren't non-profits, they exist to make as much money as they can, and there's no Pet ACA to prevent them from denying coverage because of preexisting conditions. Which brings me to my main question (sorry for taking so long to get to the point): is getting insurance for Ollie worthwhile? I'd hate to spend the money on fairly pricey premiums just for anything that might come up to not be covered. Maybe I'm just overly worried and cynical, but the fact that something small can make a massive difference in how much longer I get with my fur babies is honestly scary. Sorry again for rambling, there's just a lot to consider. Any advice or insight is very much appreciated!

Location: Oklahoma Long story kind of short, I was in a car accident on Oct.4th, and the other party was at fault. At the scene they acknowledged they were at fault and their insurance looked up to date. At the moment, I felt that calling the police for a report was not worth the hassle, a mistake I know now. While at the scene the driver was on the phone with their mother and told them they were on their phone at the time of the accident, which she later denies. Additionally the drivers mother wanted to speak to me on the phone and was very adamant not to go through insurance and that they wanted to pay out of pocket, which I refused, I didn't think much of this comment in the moment but is important later. I filed a claim with the insurance they provided and a few days later they told me they were not insured at the time of the accenet. My father reached out to the drivers father as he is the person on the title of the vehicle, and this is when we found out the drivers father is the Chief of Police for a small town bordering my city where the crash occurred which is in the same county. At this point we were given updated insurance from the driver and I made the claim with their insurance, which was denied as they were denying what happened at the crash. Some context to add to this is that this was a new driver and had their license for only about a month and were 16 and were heading to their first day of work at their new job. I filled with my insurance who sent it to arbitration, and it was radio silence for 4 months and they would not even return my calls, thanks Progressive. I called today and told them I need an update today, and the new rep I got was amazing and told me everything I needed to know and they should have told me months ago. Arbitration determined the other party was at fault, which was obvious from the damage, and they were not insured at the time of the crash. So it turns out they tried to buy insurance right after the crash and did not tell anyone. Progressive wants to send them to collections to get some of my deductible back, but I would like to get my full deductible and loss of value (at the minimum). So my question is is small claims court enough for the $2k deductible and $2k loss of value, and do I need a lawyer? I have already waited 6 months, and while if I need a Lawyer I want them to get paid, but I feel like I shouldn't have to pay legal fees for this especially due to the criminal behaviour on their part.

So I've had my own insurance (Medicaid, Ohio) since July 2024 but doctors keep charging my parents' insurance (UMR) even though I'm not a member anymore. I should have been calling and having them reprocess all the claims as they came in. But instead, my parents, who recieve the Explanation of Benefits letters, let them stack up and handed me a grocery bag of over 50 of them today. I have no idea what I owe, how to find out, who to call, etc. and they dont care. If what the letters explain is truly what's in the bills (that I don't have), I suddenly owe over $20k in medical bills which I literally live paycheck to paycheck so I don't know what to do about. What in the world do I do?

I received an email recently that I would not be able to renew my 4-year-old cat's pet insurance through ManyPets due to the company no longer providing policies in the US market. They said I would be hearing from another company, Odie, about a new policy. I looked up Odie and it seems to have very low scores on Trustpilot. Has anyone else lost their ManyPets coverage? If so, who did you go with to replace it?

This past Sunday, while watching a movie at a theater, someone ran over brand new my motorcycle in the parking lot. Thankfully the person who did, told an employee and waited for me. He gave me all of his information. I filled a claim with his insurance, The Hartford and am a little worried about it now. Within a day of filing the claim, they have switched the adjuster and the new adjuster told me, “honestly, I don’t know. I’m not going to ghost you…” when I asked for a timeline on them getting back to me. Are they just going to give me the run around?

I live in California covered by AAA. Last year, March 2024, I was in an accident. I was found to be at fault. At the time I was sent a letter from AAA telling me that the other driver, who is also covered by AAA, had hired an attorney and that they were asking me to disclose my insurance policy limits. I refused and just let AAA handle it. Just yesterday, over a year later, I recieved a letter from AAA saying that they have recieved a settlement demand for the full amount that my policy will pay out, for bodily injury, and that they are in the process of evaluating the demand. They must respond to the demand by April 24, 2025. They also informed me that should the other driver file a lawsuit against me, they will be providing me with an attorney. I'm currently unemployed and am FAR from being able to pay out should they decide to pursue a lawsuit. I tried calling my insurance adjuster this morning, but of course, they were out and I had to leave a voice mail. My anxiety is sky high waiting to see how this will all play out. Any advice from someone that has gone through something similar would be greatly appreciated.

Hi I would like to hear your thoughts on Wawanesa Insurance? Plan to switch from AAA to Wawanesa. AAA double my insurance, no accident or traffic ticket. Please let me know. TIA.

I’ve been using it for my dog for a few months now and I’m starting to feel uncertain about whether it’s the best option. The claims process has been much slower than expected, with a lot of in review updates and I haven’t received any reimbursements yet. It’s making me a little nervous especially since my vet bills are starting to stack up. I’m just looking to see if others have had similar experiences and whether you think I should stick it out or switch to another insurer.

My car was damaged and repaired at an ICBC accredited shop. I got my vehicle back and immediately noticed it wasn't repaired correctly. I couldn't bring it back to the first shop again because I immigrated to the USA. ICBC allowed me to bring it into a Nissan dealership in the US to have it repaired. The damage was done to one side of my vehicle- the control arm and strut were damaged. Nissan repaired BOTH sides of my control arm and struts because they said it was needed so the car would drive correctly. ICBC is now saying they'll only pay for the one side of repair where the damage was done- saying they're only responsible for repairing the damage. Is this true? I thought they'd be responsible for insuring the car was drivable again.