My parrot was diagnosed with avian chlamidiya at 2 months. He went through medication and was fine. I have nationwide insurance Nationwide says I cannot get that removed without another expensive chlamidiya test that won’t be covered. Recently I was very sick and while I was sick my bird got sick. I took him to the vet and they gave him different meds and said it’s most likely a respiratory infection, which is also what I had. They specifically put that it was a respiratory infection and not chlamidiya which a pretty serious infection. Nationwide marked it the same as chlamidiya and refused to cover it, said it was preexisting. There are a billion things that cause a respiratory infection in birds. It’s not fair that every single thing he can catch will be lumped in with a very serious condition that he had when he was 2 months. They told me I need the SOAP notes and a letter from the vet which I will be getting. But I will be looking for a different carrier for pet insurance because this is obscene and I already have a $250 deductible with this I wasn’t even getting anything back this was to just go onto the deductible!! I appreciate any help you all can help because I’m at my wits end here I’m going through way too much and I can’t take anymore

Day before I turned 31 this year I got into my first fender bender, I hit their rear end told at fault. Not fighting that, the problem is insurance saw the problems with my car and told me its repairable. Both my fuse boxes were obviously damaged and they didn't write them down, I wait 2 weeks to hear back and I am suddenly told Honda doesn't sell the fuse boxes separate and because of how its placed repairs and labor will exceed the car value. Not to mention I'm only half done paying it off, insurance said they can't retract or adapt their claim because it would be fraud.... I took pictures of my car post accident and you could see those boxes were damaged. Insurance initially payed me, but even though I gave the money to the garage.. now that its totaled insurance gets their money back and everything is now 100% out of my pocket. In addition to calling Total loss tomorrow is there anything I can do? I only had my car for 2 years and unfortunately leased at the end of the sky high c

Basically myself and many many others have been scammed by this company. They have you pay the fee for diagnostics and then say they won't cover the item needing replaced. They offered me $500 for my washing machine replacement when the part alone for my machine was $2000. Here is a link to all the issues https://www.reddit.com/r/choicehomeclassaction/s/lijqv0C3xu Do we have a class action or should we all small claims court them? Who would I list (the ceo?) As the person on the complaint? They are already under investigation if you check the BBB website. Any advice or guidance would help. Location: Indiana

Location: Inland Empire, CA Date of accident: 07/09 @10:30am This is my first car accident ever and I need help. I have a 2012 honda civic coupe and I was driving from one traffic light to the next staying in the right about to turn right at the next light into a shopping complex. There was a car speeding at the first traffic light in the lane closest to the left turning lane (there was only 4 lanes; 2 turning, 2 middle going straight) which I noticed and decided to keep some distance. Before I got to the second light, I was passing a gas station and I gave a quick glance to see the entrance in which I was about to turn into and next thing I know I get hit on my driver side. We pull into the gas station and exchange information. Come to find out he 20yr marine driving gov vehicle apparently he wasn’t supposed to be driving. I call the police and they said they would not come because there was no injuries to me or my mom or the other folks in the other car. As of right now I have emotional trauma and anxiety whenever I get on the road again. My adrenaline was so heightened I wouldn’t even have noticed if there was an injuries. His recruiter pulls up and says he would take the fault instead and that way less damage to them. I said as long as I’m taken care of with the right amount for my car I don’t care (this might have been a mistake and said in heightened anxiety and panic so please let me know if I was wrong, I gave a report with my insurance saying it was the recruiter already so :/ if so can I fix it?). I was okay knowing i might be able to drive my car a few miles back to the house but less than a quarter mile and the car started smoking so we had to get it towed. My front driver tire is tilted inward and my bumper and fender faced real damages. My panic and anxiety starts setting in real bad so first though obviously reach out to my insurance. I have GEICO (come to find out I don’t have collision coverage which is a factor I entrusted to my dad but story for a different day) and they have GSA (they are with USMC). My insurance already said I’m not at fault but can’t do much for me right now (they can reimburse a rental though). The people involved said they filed a report with GSA (implying I hit them which I figured but the footage says otherwise) and I’m going to put a claim in to GSA but I’m just waiting to get a quote on the damages. I’m told this process is going to be long and brutal so I could use all the help I can get. People are saying get a lawyer and some are saying don’t get one and I don’t know how to navigate that. My car is old so it’s only worth a little (170k over a decade old with a salvaged title with some issues like AC and wheel bearing) and it doesn’t make sense to me to put whatever money I get into it when I can put it for a new car. This is my first car so I’ve been super emotional and I have been stressed through this process as I feel like I’m navigating it mainly alone. I have also missed a few days of work because I don’t have a vehicle to get there. Any advice and help would be greatly appreciated. I’ll need all the help I can get. I have footage I can provide as well of the accident.

Back in December I got in a car accident. Literally work 4 mins away. I only drive to work to be able to pay my car and insurance. Long story short … I was in a 2 weeks waiting period before my insurance started thinking my last insurance was still active (it wasn’t). Police came and still accepted the insurance. Didn’t get cited or anything. My insurance said they can’t cover since it was during the waiting period… guy attempted to contact a lawyer and claim injuries but wasn’t injured after all or they didn’t find anything wrong. He doesn’t wanna admit to fault because he was speeding so obviously his insurance is blaming me. They called and threatened to report me to DMV and get my license suspended if I don’t pay 15k… I told them I wanted the case to be re-evaluated since I know I’m not 100% at fault. They never called again and since then my license is still active. I haven’t heard back from either his insurance or the lawyer he was trying to claim injuries . What happens now ? Is my license still a threat to be suspended due to my insurance not being active at the moment even if the cops didn’t ticket me ? Should I just not worry if they’re not calling me anymore ? I also don’t wanna get in trouble but the fact that the guy tried to claim injuries and lied about his speed isn’t fair to me

I live in the Central/Northern Arkansas area with State Farm as my insurance provider and I am 20(M) I own two vehicles: 2009 Chevy HHR LT Panel(2.2L Ecotec) 1997 GMC Sierra SLE(5.7L Vortec w/ 4L60E) Both of my vehicles are covered under liability. I was recently rear ended on the interstate in my truck, it honestly held up pretty good, but still a decent bit of damage. An appraiser came out and said it was about $3,700 worth of damages. They then have to run a report on my truck to find the total value. From what I understand, they find a vehicle in my relative area (the two they found are in Kansas and Tennessee) and take the retail, or selling price, and use a formula to calculate the Actual Cash Value(ACV). They then look at the features on those vehicles, compare and contrast them to mine, thus raising or lowering the value of my truck with each feature, to determine how much my truck is worth. Finally got a call back, they say it’s totaled and their number is $2,959, meaning they would be buying it from me and taking it. And there’s potential that I cannot buy it back depending on whether they deem it unsafe to drive. I feel like I’m being cheated. My truck is still running and driving perfectly fine, I can tell there’s a little bit of frame damage at the rear under the bed(the truck hit my receiver and it slightly bent the frame inward). It’s very difficult to find a vehicle that not only is as reliable as my truck is, but also has the capabilities mine does. Not to mention the fact that my Great Grandfather gave me the truck, and he was the original owner. And currently my truck is also my only form of transportation because my dad and I are in the process of rebuilding the motor in my car. If I try to find a truck like mine anywhere, it’s easily double what they’re trying to pay me. Some people want $2,500 for a truck in the condition mine is in with no motor or transmission, or serious problems with one or the other. Note: Accident was a hit and run, driver at fault was not found. I was rear ended and pushed slightly into another truck. Also, for reference, I will list the prior and current conditions of my truck: Prior: 261,000 miles Dash slightly cracked Grille slightly cracked(have a new one just haven’t replaced it) Clear coat peeling and sun damaged in some areas Very minor dings/scratches Cloth seats, carpet, and headliner had minor holes, tears, and/or stains Current: 262,000(what the appraiser recorded) Dash cracked slightly more Rear bumper pushed into bed on passenger side Bed pushing into cab denting both pillars Bed now unaligned from cab slightly Driver seat leaning to the right slightly, will not recline forward or back Tailgate slightly scuffed and dented Receiver almost broke in half and bent the frame slightly Front bumper pushed backward, slightly crushing the filler panel in between the bumper and grille Very slight crease on the back passenger fender I would be perfectly fine with the $2,900 if I could just keep my truck without having to pay extra. The salvage retention fee is $811 and some change, and my deductible is $250. And still no guarantee I could get it back until I tell them to run the report. They said I could send in other comparable trucks, but it has to be “a link I can click on to see exactly what you’re seeing and include the vin number”. Doing so could potentially raise the value of my truck, but only ever so slightly from what I’ve been told, and if I were to do that, it would have to be before they tell me whether or not I’d be able to keep my truck. If y’all need more information feel free to ask, I just want some help and guidance. Another note: at the end of January the dryer in my old apartment caught fire and everything was smoke damaged. My gf and I at the time got a new apartment and then we broke up mid February, and the wreck happened at the beginning of March. I don’t know how I am holding it together.

I pay an arm and a leg for commercial auto insurance for a child care related business. I have 6 vehicles that I'm charged around $4500/yr per vehicle (yes I've shopped this several times, no there aren't better rates available, very few companies will even write policies for this industry). We don't use the vehicles at all in summer so they just sit in a parking lot. In years gone by, I've been able to drop the insurance during those months to "seasonal coverage" which basically means they are comprehensive only, and have no liability insurance because they are not being driven. Progressive has no problem with this. This ended up saving me about $2000/mo for 2,5 months, all in, or about $5000. I tried to do that for this year and I got an angry letter from the State of Florida saying that I need to forfeit my plates and pay a $150 reinstatement fee for each vehicle because I've "dropped my insurance". I've never gotten this letter before. Is there any way around that? Does this mean that I'm stuck paying liability insurance on vehicles that never see the road?

I have Aetna DMO, and I am constantly being overcharged for things. It started with the dentist recommending a deep cleaning even when I knew for sure that I didn't need it. I still paid because I thought it was better than letting my teeth worsen. Then the dentist tells me I need 2 inlays. The insurance says they should cost $115, but the dentist's very rude receptionist mentions that they use Emax only, which is a $750 upgrade. It makes no sense to be paying so much for these treatments, and for all I know, I may not even be needing them. What is a good solution for me at this point? Just go to a well-reviewed dentist and pay them cash for this? Or can I maybe get external insurance myself? But I doubt any external insurance will be as good as what my employer is already offering. (Aetna DMO)

My basement flooded this week with 5 inches of water. We have had a lot of rain. The sump pump appears to have given out and the backup sump pump didn't kick on. This has not fully been confirmed as the reason for the water because when the plumbers arrived the pit was only 2/3 full and water wasn't flowing out. BUT we have not been able to identify another cause or factor for the flood. The plumber mentioned that it could be due to malfunctioning drain tiles. We had an inspection and it was confirmed our house does not have drain tiles. We have insurance through All State and our policy states the following is **not included.** > Water or any other substance overflows from a sump pump, sump pump well or other system designed for the removal of subsurface water which is drained from a foundation area of a structure. I don't think there is much room for negotiating coverage with All State, but posting here because I am **desperate**. Does anyone have advice on what I can look into or how to try get this covered? The assessor is scheduled to come in 2 days and trying to get a case out together. TY!

I was involved in an accident where a truck ran a red light and hit me. Their insurance totaled my car. I feel the offer they are willing to pay me for the total loss of my car is low balled. Is there any room for negotiating with insurance companies or do I have to accept what they offer? Anyone have experience with in this matter. The insurance is State Farm.