Hey guys, im a 24 year old male living in Ontario and just got hit with a complete blindside. I’ve been insured on multiple vehichles through different companies since 2018, no tickets, pullovers or anything. I just bought a new truck and found out when getting quotes that I have 2 at fault accidents on my record. The first was July of 2021, my 67 mustang hit a pothole and caused some minor damage to the fender. I called intact and asked some questions and they said the only way I would get any money towards repairs is if I put it through as an at fault-after hearing this I said no thanks and paid it myself. They never said anything about this going on my record, the whole point of me paying out of pocket was to avoid this. The second was on my truck in Feb 2024. I was in Colorado and my brother needed to move my truck out of the driveway, it was late at night and a neighbour was parked somewhere it was hard to see and he bumped into it. My truck was fine and I was away so I didn’t deal with any of it directly but my brother used his personal insurance to pay out the damages but this is on my record as at fault for me. Is there anything I can do to get this off the record? I’ve talked to so many insurance agents who just shrug and say they won’t insure me and that the circumstances don’t matter. I’ve had insurance since I was 17, paid over $25,000 since then and cost insurance companies $0 and they won’t insure me.

We were rear ended by an uninsured driver. Had to file with our provider which is USAA. Today we got the repair estimate and the car is being deemed a total loss. All it needs is a new rear bumper and an exhaust. Repairs after our deductible are $700ish. Looks like the payment to us is $280. We're freaking out a bit. His car is older. It's a 2010 Foed Escape with 150k miles. We knew it wouldn't be worth much but $280? After searching around in our area, they are going for around $3k. Is there anyway for us to keep it and fix it ourselves? My husband is a mechanic and can get all this fixed for less than $700 easily is there anyway to do this without getting a salvaged title? If not, what are our options with insurance coverage moving forward? We cannot afford to buy another car right now.

Hi all. Looking for guidance on what to do with my HSA. My employer used HealthEquity for our HSA provider. From what I have read, they are an abysmal option given their high fees in comparison to other providers, like Fidelity. So I have two questions: \- Would it be wise to rollover my HSA from HealthEquity to Fidelity? (At least the amount that I want to invest.) I know there is a rule that this can only be done once in a 12 month period, but I really just want to invest a lump sum at a lower fee. \- This will be my first time investing my HSA. Should I treat it like a regular investment? What do you all typically invest in, i.e. ETFs? Appreciate your help.

Recently my father passed away. I’m his only child and there was no will, however, I moved out a few years ago and my mom lived there with him even though they’re divorced. I never probated the house or got it put in my name so I’m sure that will be an issue later if I did want to file a claim through State Farm later on. What I need to know is if I should file a claim or fix it out of pocket? My mom has let the house go in a pretty terrible way. Before my dad passed it wasn’t great. The floor was bubbled up in some places and sunken in others. When the upstairs toilet overflowed the chandelier fell off the ceiling in the kitchen. He filed a claim through State Farm once in 20 years to get new carpet but it did not fix the underlying problem. Now there’s holes in the ceiling, in the floor, in the walls. And there’s rats. You sit on the couch and you can hear them scratching in the walls and running through the house. The back deck has unattached itself from the house and is falling apart. I feel so bad for my mom and I don’t even know what the problem is much less how to begin to fix it or who to call. Please please any kind of advice would help. Edit: I think that the holes and the problems with the floor being sunken and swollen are from some kind of leak?? Maybe under the house but I’m not sure. I know insurance won’t get rid of rats or anything like that. I just wanted to know if the other stuff was able to be claimed had it been a result of something else like a leak.

I have an Amex Hilton rewards Diamond membership. I had to spend over 13K to receive certain rewards like a free room. We’re not rich, by any means, it took a long time to build up to a free room. It was my sons birthday so I called the local Hilton to see if we booked a room if we could have small party for him at the pool area and invite a few guests. They were very nice and accommodating and said absolutely and even offered for us to use their fire pit and grill as well. A week later we booked the room and went to the hotel to ask if we could see it to get an idea of sleeping arrangements. They said they couldn’t at the time. Ok, no problem, so we left. The day before our stay we got an email to choose our room and noticed the room wasn’t what I thought it was. Being a Diamond member we’re entitled to free upgrades that are available, and have always been treated kindly about that. Not at this hotel. I called Hilton cust serv line and they said they tried to get the upgrade but sounded like they’d had a problem with the hotel, and advised I try to speak to them myself. They were super nice about it, but I could tell the cs agent was frazzled after speaking with the hotel. I called the hotel and once the front desk accessed my acct and saw the free room, her attitude became awful! I am a calm steady person from years of customer service, so I didn’t feed into her snarky behavior. I felt she was lying about not having an upgraded room avail. So I called and spoke with the GM. I complained to her about the previous convo with her front desk agent and asked that she looked into it. Well, She was worse! She began saying we couldn’t have a party unless all guests were registered to our room and began changing our agreements. I told her it was no problem, we can add them on to our room, there were only a couple of teens coming, so it would’ve worked out ok. Our room could fit 6, and we only had 6 people. But She didn’t offer to do that nor did she ask if we were ok with the room. She just said this is a free room and it sounds like we cannot accommodate you here and that she was cancelling our room. We were 2 hours from the party time. I begged her not to cancel because we had guests meeting us there. She insisted she was doing it, so I told her if she did that, I would call the state attorney general because I never consented to her changing and breaking the contract. By cancelling it, it made me lose my free room. I called Hilton and asked for their district managers number. They said I’d have to call the hotel to get it. So I did and got the nasty GM again. She said because I “threatened legal action, I was banned from the property” and if I step foot there they’d call Georgia patrol. I was absolutely floored! I kept my cool and never said anything for her to go that far. I tried to do everything the correct way… asking to have the party beforehand instead of sneaking people in, tried to see the room beforehand, tried to use my diamond status to work through a misunderstanding instead of raising cane.. etc. There was no reason for her to do that. My son was looking forward to having his friends there for his birthday. I had 3 hours to call parents and make new arrangements. It turned out that the teens just wanted to ride bikes all day and barely would’ve even used the hotel. We didn’t need it after all. But I’d like to have my free room back and be removed from their “do not rent” list. Thinking about it now, I believe they just didn’t want to rent to people who use their free room. What advice would you give me? Should I file the complaint with the state Atty general or let Amex do it? Or something else all together?

I am getting a new car delivered to me friday and trading my old one in, I went to update my insurance policy through state farm & it’s showing my total change cost to be $733 just to remove my old car & add the new one. Is this normal? That seems insanely high

I recently took my cat in for a mouth surgery to remove an infected tooth. The bill came out to be almost $600. Since I wasn’t enrolled in the wellness rewards it only covered $108 after a $200 deductible. When I pay $130 a month for both of my cats. When I first got this it was $60 for both of them and it has now doubled over the years to only cover a 1/6th of my cats surgery? I can’t believe it. Any recommendations for any pet insurance for my cats? They are pretty healthy overall indoor cats, I just like to keep this for my peace of mind in case anything happened but with this recent increase year and now this, I can’t justify embrace.

I started getting calls asking if I am accepting new patients. I just said, I am sorry but you have the wrong number. After the fourth call I asked who they were trying to reach. I was told the name of the doctors office and read the number to me. It is my personal number and I have had it for 22 years. I went onto Blue Cross Blue Shield site and looked up the office and it does show my number. I contacted BCBS and they told me that they looked it up online and it is a different number listed there but they cannot do anything. She then told me to call the office and see if I could get them to change it in the providers portal. No one is returning my calls from this office, so no help there. I can't not answer my phone as I use it for my business. Any suggestions or insights would be greatly appreciated.

Today my 3 year old hit the gas pedal on the golf cart and ran it into my other kids electric scooters/ the wall in my garage. I hopped off to grab stuff out of the back “trunk” type thing and next thing I know it’s gone forward and hit the house. Thankfully she was okay. She was scared, I was scared. We had a good cry. I have insurance on my golf cart. I called them up and they said after the deductible, the repairs to the golf cart would be covered but the damage to my other property (my home, my car, the electric bikes/scooters, my built in shelves and other random smaller items) will not be covered because I own those items. They said had it hit someone else’s scooters/house/car that would cover it. When I got the golf cart, I called my insurance agent so I could add it to my homeowners policy and she said it was cheaper to have a separate policy for just the golf cart and to go through progressive. So this is what I did. I called my insurance company after hearing this news from progressive, and they said they could cover it under our homeowners policy- but that we would have to pay that deductible too. It wouldn’t be worth it to pay both deductibles. I am just surprised that progressive isn’t covering any of the personal property damage. Is this a normal thing?

I wanted to share our ongoing battle with CNA Surety. Contractor licensing bonds are supposed to protect homeowners by ensuring that contractors meet their obligations and pay out when they don’t. But here’s the problem: CNA Surety claims they have no duty to investigate or pay out unless there’s a court order—meaning you’d have to sue and win in court first before any funds are released. This issue is now under review by the California Department of Insurance, which is conducting a broader market review. Redacted snippetof their stance: [CNA's Stance](https://imgur.com/a/xVNebbg) Has anyone here ever actually received a payout on a contractor licensing bond claim? What do you think is really going on with this practice?