Location: Southern California, USA My roommate and I had a year fixed lease in a 2b/2b, ending summer 2025. A month ago I discovered a leak coming from the wall in my closet. Landlord brought plumbers to check it out, they opened the wall a bit and discovered cracked pipes. The next week I was asked to leave for 2 weeks for repairs, in which I used renters insurance to cover my hotel (waiting on reimbursement still, but it should be coming). After the 2 weeks, landlord couldn’t get a response from HOA on when the repair would be completed. Landlord suggested I break my lease and move since she wasn’t sure about the timeline (pipes only impacted my room, not my roommates). While trying to figure out my plans, she sent my roommate and I a text on Friday (3/28) afternoon that she is terminating our lease due to mold, and we need to be out by Wednesday (4/2) or sooner - she offered to reimburse March rent and give us $600 each for the inconvenience. Any advice on 1) is she allowed to do this and 2) how we can get more money or time? 2 business days is such short notice to make arrangements and the cost to move will be more than $600 TLDR: landlord terminated lease due to mold, have to be out in 2 business days. I haven’t been able to live there for all of March

Location: Florida So I'm frustrated with Progressive because they identified a person who was staying in my home temporarily and added them to my policy. This person has never driving or touched either of the cars on my policy. They supposedly sent out a mail notice, which I could not find physically or even in my email, where I'm signed up for Informed Delivery and would be able to see any envelope that said it's from Progressive. I looked through my email to see the notices dated months ago stating the persons name and that if I do not contact Progresive by January 16 that they would add them to my policy. I looked though the details of my policy today and that's when I found that they are listed as a driver. So I've been paying for this person to be on my insurance for the past three months. I have to wait until Monday to speak with underwriting to figure out what happened and what to do. My question is whether this practice is even legal in the state of Florida. From what I've seen, a lack of response of a notice does not indicate consent. My explicit consent was not obtained to make changes to my policy. I have not even talked to or seen the person added for months before the changes were completed.

Earlier this year, I was involved in an accident where I was side swiped by a gardener truck. I was on a residential street and slowed down to look for parking. The gardener truck was behind me but decided to pass me, and when I drove forward a little to park further up, the truck merged back into my lane and struck my car with the equipment hanging off its trunk. They sustained no damages while my drivers side window shattered, mirror broke off, and fender/door sustained damages. Around 2 months ago, we received a letter from their insurance saying they assessed 55% negligence on their insured driver and 45% on me. They were also willing to pay for 55% of my damages. My insurance decided to take them to arbitration. During this time I received 2 letters from my representative. The first said that while the other insurance company has accepted full responsibility for the accident, they have not been able to reach a settlement for damages paid. I then received a second letter a month later saying that the arbitrator has ruled in favor of the other party. This seemed like a complete 180. I was shocked to learn of their final decision and emailed my representative asking if any of my $1,000 deductible would be recovered. She said no and sent me a copy of the arbitration decision which stated the following duties breached on my end: vehicle failed to keep appropriate lookout and they failed to maintain safe parking maneuvering. Is there anything I can do at this point? I know the arbitration decision is binding and final but I am honestly just stunned, especially because it felt like the truck failed to safely pass my car. I spoke with my insurance and they said my premium will most likely double. Is this fair?

Can anyone give me tips on how my Ucare/DentaQuest can cover my teenagers braces because she has a very wide noticeable gap on her teeth from the fact that she was born with an extra tooth and had to get it removed and rarely smiles with her teeth anymore. She’s done 2 orthodontic evaluations for them and they keep denying her but she really does need them and that’s all she’s asking for her birthday this month but they keep telling me she needs a medical reason or doesn’t fit the certain conditions they approve but I can’t afford to pay them out of pocket.

I have UHC and while taking care of some things on the phone with a representative I asked a question out of curiosity which was just my confusion that sometimes when I get my botox for migraines my provider has me pay nothing and I get the bill later, other times I just have to make "a" payment and then get the bill later. When I say get the bill later in both cases I mean after the claim has gone through insurance I then get the billed amount I owe, and the portal for UHC updates with my EOB (I use the EOB to apply for a savings program to be reimbursed by a third party). My most recent appointment however they made me pay the full amount of botox up front otherwise they refused to treat me. I am disabled without this treatment so I just found a card with enough money on it and gave it to them. The insurance representative told me they aren't to make me pay more than a voluntary small amount of my choice if I want to, and that they aren't supposed to deny me my treatment that they approved. She told me to not pay next time and if they push back to call United and get a representative on the phone. My mother used to work medical scheduling however and she insists they can make me pay whatever amount they want and reimburse me later. I am thinking my mom might be more right but just want to hear it straight. For the record I am in the (slow) process of changing migraine treatment providers for a number of reasons related to poor communication or miscommunication.

I was involved in a motor vehicle accident where I hit two other vehicles at an intersection. I live in an “At fault” state and both of the other drivers told the Peace officer that I ran the red light. The officer gave me a citation for running a red light which I will be contesting in court. I gave the officer my proof of insurance card which was expired. Here’s where it gets interesting. The next day I contacted State Farm. State Farm told me that my insurance policy was canceled more than six months ago due to lack of payment. MY HEART SUNK. I canceled my credit card which was on an automatic payment cycle with them. They denied the claim as to be expected. However, I have insurance through Progressive on a secondary car that I literally NEVER DRIVE. But I have full liability coverage through them on a secondary car. My question. Will progressive cover the cost of the accident even if the truck was not on the policy? Will the other insurance companies go after progressive? Would progressive rather cover the cost upfront rather than go into litigation?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

My wife was in Seattle late last year and needed an ambulance ride to the hospital for an emergency. AMR, the provider is billing me $900+ for the amount that Aetna didn't cover at the in Network benefit. AMR shows as in network on Aetna but AMR is claiming they are out of network. Aetna says the tax identification number that AMR used is different than the in network number they have. Aetna said this in a message but doesn't seem to make sense: "If the provider bills you for an additional amount, please send a copy of this Explanation of Benefits and the bill from the provider." Anyone ever had an issue like this and who can I contact to resolve? Also we live in Illinois and get our insurance in Illinois.

Greetings, I have State Farm insurance on my truck, which I've been gradually making improvements to for off-road use over the past 2 years I've had it. As of right now, I have about 18k invested into it excluding labor. I've asked my SF agent aboput gettin an endorsement and they verbally said that my current policy should cover it as long as it's bolted to the vehicle and that I've kept photos and receipts, but I still worry I could end up in a situation where the vehicle is stolen or wrecked in an accident, deemed total and I'm offered far less then it would cost to purchase a similarily equipped truck used on FB marketplace. I'm a bit skeptical of whether or not this is accurate or whether i'd be severely low balled. I live in a fairly urban area where property theft and unisured reckless drivers have been sharply increasing. I skimmed over my policy but nothing stood out to me in reguards to modifications, but perhaps I missed something? I'm just trying to make sure that I'm not screwed . One scenario I'm worried about is getting a low ball offer for the vehicle and then hoping there is an avenue to buy it back so that I can transfer the viable parts to another vehicle of the same model, selling whatever is leftover for part and taking a huge loss.

Based on the age old adage "price is what you pay value is what you get" what has been the best price vs service experience with auto insurance providers? I'm not looking for the cheapest insurer, however I am looking for the best user experience when you need to actually use your insurer's services. Context: I have been a loyal USAA customer for the past 15 years, and recently had a not so great experience when finally having to use their services. Today I submitted an online Roadside Assistance claim, never received follow-up communications, and when called I had automated voice response systems hang up. I have been paying top dollar every month justifying the expense by thinking when I need them I'll get unmatched"white glove service." Yet, today the service was meh. I always told myself I was paying for the best of the best, but maybe it's time to reevaluate