This is a weird problem to have. My therapist is not in-network (I have United Healthcare/UMR) so I pay her and submit the bill to UMR for reimbursement. For about a year, my insurance has usually said she is in-network, and reimburses me for about 50% of the cost (100% of their "adjusted cost" which is half of what I actually pay her). I mentioned it to her but she said she has never been in-network, which I believe - it would be pretty dangerous for her to try and take payment from both me and the insurance company. So I figured it's fine, if my insurance says she's in-network when it comes to reimbursements then I'll believe them. The reimbursements this year are now 95% of the actual cost (so they're paying me back more now). And I'm really starting to wonder, is it my responsibility to say something to the insurance company about this? Is there a chance that they ask for some of this money back later? Thanks for your advice

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.

My dad just went through open enrollment and he opted out of employer Medical insurance since he is starting Medicare as of today (he used to have the Medical insurance but the increase in price made Medicare a better choice). He only signed up for dental and vision. I called his insurance company (aetna) just to double check and they say that it shows he has all three: medical, dental, and vision. I told them we didn't sign up for it so they told me to contact our employer so they can update the information. My dad spoke to someone in HR who says that there might be a delay since today is the first of the month and the first day of the insurance taking place after open enrollment. Does this sound correct? Should i give it time? Just trying to make sure everything gets updated correctly especially since my dad signed up for Medicare B with special enrollment (qualifying life event of losing employer insurance so that he doesn't pay a penalty for signing up after 65).

I've had this insurance for my great dane as soon as I adopted him at 1 yr 4 months. And it has suddenly quadrupled. I paid around $1k a year, unlimited, 80% reimbursement, and it was worth it due to random illnesses and injuries. When he hit 7 they doubled it to $2k a year (this year). We just moved from IN to CO and I got hit with an additional bill since now the premium is over $4k a year. Like what the hell is this?

My girlfriend received a collection letter last month about an outstanding AllState Insurance bill she does not believe she owes. Following my advice, we sent a debt validation letter to the collector, using a template we found on the cfpb (consumer financial protection bureau) website. The response from the collector did not make much sense to us. They essentially said "we need more information from you to provide the info you asked for. You also didn't provide any info to dispute the debt"....which is not what we were trying to do. Does this response mean they do not have the information to validate the debt? Or did the template we used not do what we expected? Is the next step to file a complaint with the cfpb as [this](https://www.consumerfinance.gov/ask-cfpb/what-information-does-a-debt-collector-have-to-give-me-about-the-debt-en-331/) page suggests, or do we just ignore this and go on our way? By the way, this isn't affecting her credit yet. **First two images are the validation letter we sent. The last image is their response:** https://imgur.com/a/EWyOVfO

So the title basically sums it up. I had I guy scrape the paint off the driver side front fender and a little bit off the side around the wheel well at a gas station about 4:30 am after I got off work. I got their insurance info and pictures of the damage, ID, and insurance info (Progressive). Someone gave me their number to act as a witness and it's on the video at the gas station, and the gas station employees know me from stopping by after work and said they'd act as witness too, so I didn't think it was worth calling the cops over. The problem is, is that Progressive wanted me to use their website/app to take pictures of the car and then a video of the car (inside too for some reason). Honestly it seemed like a bit of a hassle. Any other time I've had something like that happen I've just had to take it to a shop and it gets fixed. The car was in perfect condition went it happened, which they asked about when I was filling the initial claim. Unfortunately I put it off for a a couple weeks since my working nights made it so it was dark when I got home and the sun was going down when I got up to leave for work (this was about a month ago when we had less daylight), and off course I procrastinated like I shouldn't have since the car was fine to drive. Then, about 2 weeks later, I was driving home after work and was in this stretch of the highway that is really dark when something hit my car HARD. I didn't know what it was, it was just some black blur that I didn't have enough time to dodge. I pulled over really quick cause I was dragging something and I didn't know what condition my car was in. Turns out I was dragging a chunk of my fender that was broken off. Luckily my car was drivable, but I had a hole about a foot in diameter taken out of the front fender closer to the passenger side of the car. I walked back up the highway and it turns out the semi I was behind shredded a tire and it just ripped threw my car. I've seen people hit by those before and it's surprising how much damage they can do. I honestly thought I'd have more damage from the sound of it and from the feel of the impact. Now my problem is both that I didn't get the semi truck's info so I can't have them pay for that damage, and because it happened before I made the video I now have damage to the same piece of the car that was mainly damaged by the the guy at the gas station. So I've just been stressing out about how to deal with it, not knowing how I should go about handling this now that it's gotten complicated. I swear, I go years without trouble then get hit back to back. So when looking online to help figure out what to do, I found some similar stories on Reddit while trying to navigate this, but none that fit me specifically. So I'm hoping I could get some advice on how to best deal with this, or at least someone that can let me know what to expect. Sorry for the length of post, and I appreciate any help!

Hoping someone could possibly shed a little light on my situation. My daughter wrecked her car in front of our house on March 2nd. On March 5th Progressive sent the tow truck to retrieve the vehicle which they towed to an IAA auction yard to have it appraised. The appraiser went on the 7th. I spoke with someone from progressive on the 8th who needed to verify a few things. She said something about it being a total loss which at that time I didn’t know, which apparently she thought I had already been contacted. I told her I hadn’t so she said well I’ll just go over it real quick even though this isn’t my department. She said that it was a deemed a total loss and they valued my car at $8200 something (I don’t really remember the exact number) Little lower than I expected but okay. Anyway I logged into the app to check the status of the claim and I do see it’s a total loss but the only thing I see is the appraisers repair estimate for $8289 and the deduction for the deductible. Is that what they are actually valuing the car at? Or is that simply a repair estimate? We still owe on the car so I’m trying to plan accordingly. I’ve contacted our adjuster but have left messages with no return call as of yet.

So we now know one of two things - either snapshot is designed poorly or FSD brakes too hard in a model 3. I don’t use anything except FSD and the best I’ve been able to score is 4 out of 5 stars all because of what it thinks is hard breaking - apparently snapshot isn’t designed for autonomous driving. PGR , time to wake up!

Hi. I have an HO3 policy with Citizens in Florida and I’m trying to understand in what situations they would actually cover water damage since the reps, my insurance agent or adjuster are not able to clarify this. I have a water damage under my flooring, but again neither the field adjuster, water mitigation company, nor the leak detection specialist have been able to find the exact source of the leak. Insurance wants to send out an inspector who I assume would work in their favor. I’m trying to prepare in case they deny my claim and I need to bring in independent specialists to help me figure it out. I have vinyl flooring installed on top of hardwood floor, and noticed a soft spot so I removed part of the vinyl and found rotten wood. I've never noticed any water on top of my flooring. From what I understand, Citizens excludes gradual leaks and seepage, but they have a clause that covers hidden water damage if it was unknown and concealed beneath floors, behind walls, or in ceilings. I’m wondering how that actually works in practice. Since there's no known active leak it must be caused by something situational, hidden or accidental spill. I'm having a hard time determining the fine prints since it gives conflicting information. I've included a few pages from my insurance declaration related to water damage in link below: https://imgur.com/a/sc50G9K Would Citizens cover situations like: - Moisture buildup under flooring due to a failed vapor or moisture barrier? - An AC leak inside the walls over time from a pipe failure or faulty installation? - Sporadic leaks from an air handler that was poorly installed? - A cracked condensate line or even a sewage pipe leaking beneath the slab? - Water spilled sometime in the past which got under the floor? Has anyone had Citizens approve a claim for something like this, or did they deny it as a maintenance issue? If they did cover it, what kind of evidence did you need to provide? I want to be ready in case they push back on the claim. It's been over a month already and I am not able to get the renovations started since adjuster wants me to keep it as is for now. On top of that the adjuster wanted me to keep the damaged flooring (with mold) bagged indoors. And he also advised that we live home since the mold did not seem to be a big issue from what he was able to tell from the photos (despite water mitigation company saying that it was over 10sq ft and asked that we find temporary stay since we have a small child until they send a higienist, which they did not get an approval for from adjuster)... I would really appreciate your help. Thanks

I got hit by a motor cycle and they were at fault. It destroy one of my wheels and tires. State Farm will replace the one tire. I want all 4 tires replaced bc it’s 4 wheel drive grand Cherokee and the owners manual states to keep all tires the same circumference. Basically don’t put one brand new tire with 3 used tires bc it can possibly damage the drive train. I’m pushing back bc I want them all done. What your take?