Location: UK I had an accident in December of 2023, which was third parties fault totally. Unfortunately they decided to completely ignore all correspondence from my insurance company and their own for as long as they could with deadlines, and drag this whole process right out, then at the last minute dispute it. This went on and on back and forth until November 2024 (almost a year after the accident and after the threat of court proceedings) when they decided to admit fault at last, and agree to pay. The solicitors that took over the claim for us emailed to let us know, there will be no court and our excess will be returned to us shortly, great! Except it’s April 2025, and we’ve still received nothing, the last email reply from solicitor I received was in January, telling me the third parties solicitor had assured them they had requested payment from third party. Since then radio silence from solicitors and no reply. I know it’s only £400 excess but it’s a matter of principle to us and with the current cost of living we definitely need this money back! Does anybody have any legal advice or insurance advice? As I thought admiral (third party insurer) would have to refund us our excess within a certain timeframe surely..? 18 months is mad! Thank you everybody in advance for your help, you’re all amazing!!

I would like to warn people before signing up with Pets Plus Us. They are “endorsed” by Costco and I thought that meant they must be decent. I signed up with them in 2014 when my dog was 10 weeks old. My dog is now 10.5 years old and this is my experience: Since 2021 they have approved $29 and $26 dollars of claims. In November 2022 they approved their last reimbursement for $29. They rejected a claim for an autoimmune disorder despite the fact a surgeon and specialist reached out on our behalf and provided published information proving that under PetsPlusUs guidelines it should have been covered…we paid $7500 out of pocket for that in 2022. Despite not approving any claims since November 2022, when my dog turned 10 (June 2024) they DOUBLED his monthly rates. And claimed that had nothing to do with age. Today I received an email advising that my dog’s plan is being “discontinued” so they I can pick a new plan to “better meet my needs” however, pre-existing conditions will not be covered. I called to cancel our policy today. We were loyal clients for nearly 11 years and this is how they “value” us.

I have a somewhat unusual situation. I live in FL and my roof is 18 years old. I have been with Geico for 4 years and I recently got my PMI deleted and when I called the mortgage company they said oh we have this partnership with this broker and could get you a discounted policy. Great, did that, saved about $900 for the year, new policy started mid Jan. I told the broker about the roof and didn’t want to switch until they confirmed it was OK and he said yes. Well I just got a cancellation notice for 4/1 due to some broken shingles so will only be with them for 2.5 months unless I submit repairs. I actually already had a few roofers come out earlier in the year. I contacted them and everyone said the repair vs replacement timeline would be about the same. So, I signed a contract for a replacement and permits were submitted a few days ago. They are going to try to get it done before 4/1 but can’t guarantee it. I submitted my contract to the broker and asked for a 30-60 day extension for the cancellation. Seems to me that it would be better to keep the policy on a brand new roof and not refund me the yearly premium around 4/1 if they can wait a month or 2 but whatever. Here is my question. Should I start contacting other companies now? Do I have to disclose the cancellation notice? Will they take notice to the fact that I was with one company for years and this new company for ~2 months. I don’t have any insurance claims on anything in the past 2 decades and that is a database they can search, correct?

Location: Denver, Colorado This happened at Budget Rent-a-Car at DIA. So this has been dragging on for around 2 months and the amount of lies upon lies that we've been told would make this post ridiculously long, so I'll keep it as short as possible. Budget wrongly denied a prepaid rental booked through a third party, claiming that it was against their T&Cs, and sold another agreement at 3 times the price for a lesser car plus extras which were specifically not asked for. After finding out the original rental was wrongly denied, we contacted them to ask them to honor the original rate. At first they argued, wrongly citing their T&Cs again, but eventually agreed to honor the original rate. This was promised verbally and by email. The inflated rate was still charged at the end of the rental, and subsequently a refund was promised verbally on 2 separate occasions, explicitly stating the amount and timeframe. The refund did not happen and they are now denying ever promising it. On top of this, the car they claim we returned is not the car we rented, and they've added a fuel charge. I have email evidence of agents lying about what their T&Cs say, and proof that contradicts what they claim on the phone. We also know the desk agent receives a commission for upselling because there are job listings for the same location which state this. The issue is, their customer service is impossible to deal with. They pick and choose what parts of the emails they want to reply to, disregarding they key points of my email each time, and it takes days to get a half hearted response. Calling is no use because they later just deny what was said. We have filed reports with BBB and disputed the CC charge, so other than waiting on the outcome of that, what can be done? They have taken a four figure sum from us and are constantly contradicting themselves and misleading us, and there is no urgency from them at all. 6 hours+ of waiting on the phone and explaining things, plus a chain of around 30 emails, many not even getting replies, speaking to probably around 15+ different CSRs and we are back to square one even after they admitted we were right. It's infuriating. Because the amount is only 4 figures and the case is becoming so long and complex with insane amounts of law violations, taking it to court might not be economically viable, but the complete disregard for the law can't be allowed to slide. Even a full refund wouldn't be justice at this point. I'm not sure what to do as it's becoming a full time job trying to keep a timeline and stay on top of evidence etc.

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!

1. In October 2024,I bought a I Phone 16 max pro from T Mobile store for some other person as he didn’t have address documents and mail ID. I gave my documents for mailing address, mail ID and alternate contact number at T-Mobile store. 2. T- Mobile sold the I phone with a sim and monthly plan of $95. The other person didn’t pay $95 for the recharge after October. He kept using the phone on his home WiFi as the sim was active but with no service. 3. In March 2025 a 3rd party, not T- Mobile sends me an outstanding bill of $588.33 on the T-Mobile plan I took in October. 4. Now my issue is why didn’t T-Mobile inform me through my address Mail or my mail ID or through the alternate contact number that my plan was not being recharged and I am collecting an outstanding. Why a third party is sending a mail on my address to collect outstanding dues on T-Mobile plan. In between I was getting call from the 3rd party that I have an outstanding, I went to the T-Mobile store and asked should I entertain such calls they said it is spam, do not entertain these calls. 5. How should I go about clearing this Issue can anybody advise me on the steps to be taken. It’s concerning as $588.33 is not a small amount.Thank you all.

I put my three dogs on MetLife’s family plan sharing one annual limit and deductible because it was the only company doing it and all the others including Fetch, who I already had, were getting way up there on premiums, especially for my oldest dog. Started out sharing $10k annual, $250 deductible, 80% reimbursement, around $115/mo. Dogs were 9, 6 and 4 mo. After one year and no claims MetLife bait and switched me, lowering my deductible to $200 and raising the price by $30. Their other offerings for less were with higher deductibles that didn’t result in anywhere near my original set up in cost. I was ticked off but ended up doing nothing about it. And yes, I know the rates go up as they age. Renewal came up and they did it again, changing my limit to $10500, lowering my deductible to $150 and raising my premium by $80 to $228/mo!!! I never put in a claim this whole time! I work at a vet hospital and get a discount, did have one dog worked up with labs that didn’t meet the deductible so didn’t bother. However, I imagine as far as other carriers are concerned he now has a “pre-existing condition “ even though we didn’t reach a diagnosis other than polydipsia. So I called MetLife and went through various policy scenarios to see what that dog would be by himself, moving the now 2 1/2 yo to to a different provider and dropping coverage on the now 11 1/2 yo which I hate to do. I ended up keeping everyone covered at $250/80%/$5k for now at $144/months. Makes me nervous as a previous dog took me up to $8500. But this buys me time to decide what to do. Has anyone here had experience actually putting in claims with MetLife? How were they in honoring claims? Did they yank you around changing coverage and raising premiums substantially at renewal?! You would think there would be some kind of reward for not needing to submit claims! These tactics are BS!!!

I have a almost 2 year doodle whom I just spent over 7K on for sugery to remove a sock.2 days after surgery the site got infected and the sutures ripped. I’ve been looking at pet insurance reviews but it all seems so overwhelming and it feels like the good and the bad are balanced. Currently i’m looking for a company that will pay up front which based on what i’m seeing that would be Trupanion as i’m constantly living in fear and has gotten extreme anxiety from always thinking he’s gonna swallow something again. I’ve always swiped out my savings to practically save his life. Any advice or help would be appreciated!!

I’m sorry if this doesn’t make sense or for any errors, I am in shock. I have a state specific BCBS under my parents (meaning I’m the dependent). Last year after I moved out of state, they told me that they cover providers out of state. I’ve never had an issue with this. Now, I’m getting claims that I owe $700, $2,000, etc for every visit I’ve had this year (I have a chronic condition so, lots of visits). Turns out, our plan doesn’t cover out of state anymore. Were any of us informed of this? Haha no of course not silly! When did it start? Last year, ya know, when they were still telling me I was covered. I found these providers on the insurance website which is the big kicker & I had no idea bc I assumed “found on insurance website + office taking insurance + no bills yet = I’m covered”, but apparently I’m just that stupid. I even called to ask about providers. Now I owe $6,000+ that I don’t have. I’m in my 20s & in constant pain. I can’t afford not going to work despite hurting & not being able to breathe & now it seems like I can’t even afford living. They said the only thing I can do is submit a bunch of appeals saying I didn’t know about the policy change. I can’t go see doctors anymore. My job doesn’t provide insurance. If I want a plan that covers my health problems, it would be a minimum of $400/month which is insane. I don’t know what to do. Anyone else experience this?

I’m looking for advice on how to get Budget Car Rental to refund me $1050 that they wrongfully charged me for “loss of use,” even though my insurance fully settled the claim. Timeline & Issue: • Sept 22 – I was in an accident with a Budget rental. • Oct 17 – Budget charged me $1050 on my personal credit card for “loss of use.” • Feb (First Week) – My insurance fully settled the claim, and I have a signed release letter from Budget’s claims department confirming everything is paid for. • Now (March) – Despite multiple follow-ups, Budget still hasn’t refunded my money. What I’ve Done So Far: 1. Emailed Budget—Sent a detailed request with the signed release letter proving all charges were covered by insurance. 2. Called Customer Service Twice—Each time, they escalated it to the billing department and told me to wait 5–7 business days. 3. No Refund, No Response—Every time I follow up, I get ghosted or asked to wait again. Why This Matters: I am a student, and $1050 is a huge amount for me to have tied up for months. Budget has been unresponsive, and I don’t know what to do next. What Are My Options? • Has anyone faced a similar issue and successfully gotten a refund? • Should I escalate this via a chargeback, BBB complaint, small claims court, or another method? • Any suggestions on getting Budget’s attention and making them act faster?