My company moved from Aetna to Cigna self-funded open access. Every month I submit claims for reimbursement with an out of network provider. The diagnostic codes never change but at least 2-3 a year, they play this game with me where they either lose the claim, claim is pending for weeks or the superbill is "missing" information even though its the same info every month with different dates. Of course, we all know they are just playing a game and trying to weasel out of paying me. Is there any where I can go to escalate these issues? My companies care advocate is useless but it feels like that is my only recourse.

So, how do you go about selecting a breed when buying pet insurance when you have a mutt? I did a DNA test on my dog and she's like 2/3 Cattle Dog and Chihuahua, and then 1/3 3 other breeds. I bought Pumpkin Insurance and selected Mixed Breed 11-25 pounds (she's 22 pounds and shouldn't get any bigger). Here's the kick in the pants- I asked what to do if she gets more than 25 pounds. They said, well, they won't accept Mixed Breed and they base breed on vet records. Why...why do they even have Mixed Breed as an option, then?? It's going to cost me an extra $136 a year to change her to a Cattle Dog Mix. It frustrates me because my dog weighs 10-27 pounds less than the average ACD. I can still cancel Pumpkin, and I'm tempted. But will it be any better with any other company? I assume they all operate the same way.

I’m currently with Prgrssive insurance I star with them about 3 years ago I’m 27yo. First car insurance with them paid $700 for 6 months the following year they bumped out the price for $850+ for 6 months and this year I got $900 for 6 months. No accident zero report at all why they kept bumping my prices? I’m from New Jersey. I’m thinking of switching insurance and your recommendation or what I need to do to pay around $700 for 6 months if possible, thank you!

I've had Embrace pet insurance for the past 5 years, and this month when my policy renewed it increased by 88.5%. I reached out to them to get an explanation, and was basically told its because of the rising cost in vet fees, and "updated data" about my dogs breed, age, health trends, etc. I have filed a handful of claims for her over the years, but she has no major health concerns or chronic conditions. Every year in the past my monthly rate has gone up, but it has always been within reason. Has anyone else experienced something like this with Embrace or another company? I am going to switch providers since they are now no longer affordable, so would appreciate any suggestions for other companies. Location: Southern California Dog info: 5 yr old female lab/heeler mix 50lbs

I have an interest-free card that I used for some remodeling on a property. It is interest-free for 18 months, so I charged all materials and labor to it. The first payment was due yesterday, and I set up autopay from the property's bank account. The autopay only had one option: "amount due." I naively thought that meant the minimum amount due, not the entire credit card bill. Well, yesterday, the creditor withdrew the entire amount from the bank account. The funds were there, so it was not returned. I called Chase (the card issuer) last night when I saw the transaction pending, and they said they couldn't help me since it was on autopay. I called my bank this morning, and they said they can't help me either since it is an ACH. They mentioned that I could possibly dispute it, but that process would take almost two months. Is there really no way to reverse that charge and pay them the minimum amount due instead? I got the card specifically to avoid impacting the cash flow and had a plan to pay it off while it was still interest-free. I genuinely did not know the amount Chase was going to deduct, it did not tell me when I set up Auto-Pay or anything. Am I just not talking to the right people, or is there really no way to assist me? ********* Update: Called Chase again and a manager helped me. She said since I didn’t have a minimum payment due, the option wasn’t there to pay minimum and that’s why I only had the “pay amount due” option. They are refunding me! And I don’t owe anything till August.

Got into a crash in the state of FL, parked in a parking spot and had to realign myself to be straight. The parking spots are aligned at a 45 degree angle. I reversed just enough that my rear wheels were visible, there was no vehicle next to me parked that could’ve potentially been blocking the vision of my vehicle, I was in the travel lane and as I was about to shift into drive, a vehicle driving westbound hit me in my rear-end and spun me around facing the opposite direction of travel, the whole back end of my vehicle is smashed in and not drive-able. It’s a 15mph travel zone and safe to say nobody drives 15mph through this spot. The damage of my vehicle definitely looks like more like 25-30mph. Cops talked to me and other driver but in the written statement wrote that I was reversing and then got hit which wasn’t true. Also said that it’s a no-fault state and so she could’ve written me a ticket. I’ve only had the car for barely a month and paid $3k for it, I have progressive insurance at the state-minimum required. After the crash my back and shoulder hurt. I just want to know what can I do, any help is really appreciated because I need a new car as soon as possible. Location: Florida

Just wondering if anyone else has dealt with this. Recently was in an accident which I was not at fault. I have a luxury vehicle that was fully paid for. State Farm totaled my vehicle. My issue is the amount they want to settle my claim for is substantially less than what I think it should be or was expecting. Do I have to accept that? Is my only recourse to file a lawsuit? I live in Wyoming BTW. Thanks for any help or advice!

Location: cook county, Illinois I was recently involved in a car accident. I was stopped at a stop sign, behind the white line and on my side of the road. I was waiting to turn left. Another driver who was driving on the perpendicular road ended up making a left hand turn on the road I was on. She ended up hitting me by driving head on into me. After she hit me I approached her vehicle and in a non aggressive way (however I was irritable) I asked why she hit me/ how she did not see me? She claimed she was distracted by her daughter and simply did not see me and hit me head on. She was very apologetic and admitted fault. I contacted non emergency police to come to the scene so we could exchange info. When police arrived they took our statements and the report states I was at the stop sign and driver admitted not seeing me and hitting me. The report also states I was not obstructing any road ways or her lane of travel. I figured this was pretty clear cut. However I recently found out through my insurance company that the other drivers insurance is now denying taking liability and claiming I am at fault because the driver is now reporting to her insurance company that I was in her lane and not giving her enough room to make the turn. Even though police report states the opposite and she admitted that she hit me to police because she didn’t see me. The police also stated in their report that she was at fault. The husband of the driver who was not present at the scene reached out to me via text the day after the accident to apologize for his wife hitting my car and requesting to fix my car by not going through insurance because he did not want his rates to go up. I did not respond to his text and simply just started the claim through my insurance. I am speculating this angered him and he is now encouraging his wife to change the story to now find me at fault. I obtained a copy of the police report and I am currently waiting on the body cam footage from the police that recorded our statements that night of the accent as proof that the other driver admitted fault to submit to my insurance since the claim is now in the arbitration process. I also sent screenshots of the text message the husband sent me as further proof as an admission of guilt to my insurance. I am curious, I know at this point the insurance companies are dueling this out and will present my proof to a third party and the decisions will eventually be made to determine who is at fault if I am understanding that correctly. But is there anything else that can be done? Can I go after the other driver for providing fraudulent information/ lying to her insurance? Or will that be determined in the arbitration process? Her insurance claimed they did a “careful investigation” and are denying my claim because they find me at fault. However it does not sound like her insurance obtained the police report so I am unclear as to how they performed a “careful investigation”. Lastly, is anyone able to provide any insight into the likelihood of me winning this arbitration case and if there is anything else I can/should do?

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 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?