Just got the email. Already paying around $300 a month. Now I get to pay $350. That's after one year of coverage for a one year old dog.

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 brought my 2022 Low Rider ST (model FXLRST) down to Florida for Daytona bike week, and unfortunately I was hit by a Ford E450 and my bike was totaled. When progressive calculated the motorcycle’s value they used JD Power and with “standard” equipment they said my motorcycle is worth $16,040. However, if I were to select “options” I’m able to select all standard equipment that isn’t optional and it increases my motorcycle’s value to ~$18,300. That’s a significant difference. The “optional” equipment in question are things like a full fairing, oil cooler, cruise control, high performance exhaust, security alarm, saddle bags, and a standard suspension. All those aforementioned features come on the bike straight from factory and are in fact not optional at all. They are as standard as A/C and AM/FM radio in any modern car. The bike just comes with that stuff and that price of those things are factored into the MSRP. This is completely separate from my accessory coverage to cover things like a custom seat, better headlamp, new foot pegs, flat out crash bar, etc… those are all aftermarket and wouldn’t count towards the base price. I’m aware of the difference and am not talking about those items. I’ve forwarded my bill of sale to show that none of those features were options that were installed at the time of purchase and any field adjuster could with the help of a service professional could identify every feature on the bike. So why is Progressive so confused? Where is the disconnect?

Hello, hurricane damage claim. State Farm. Upon reviewing my latest final estimate, I noticed that it is missing around $34k of damage for items: hazardous material/asbestos removal, water remediation and tree removal. These items have already been included in previous estimates but they are not listed in the most recent one. Two line items are removed completely and the tree removal was deducted from previous demolition line item now showing $500 when it was $9000 (with tree removal) This estimate has increased based on some other items like additional roofing repairs and other things to the tune of about $40k, but with the removal of $34k in line items it only goes a little higher. I am concerned why those items would be removed. I have a call into the adjuster but looking to see if anyone has any ideas. I can’t tell if they took it out to see if we’d notice and playing games or what. Those items have already been paid previously and the roof is complete as well so it doesn’t make sense to me.

Hi all, I recently moved, got a new gastroenterologist, and switched to Blue Cross Blue Shield insurance. I specifically went to the new doctor to get a prescription for Viberzi for my IBS. I've been on this medication for four years and knew the new insurance would require prior authorization. Long story short, my prior authorization was denied because the insurance company said my medical history wasn’t documented. I was confused since I had already submitted my past medical records to the new doctor. When I called the office to check, they told me they *can’t* include previous medical records because they were from before I became a patient there. They said they are going to submit it again and it will go to a peer-to-peer next. And I asked if the doctor will submit my medical history then. And they told me "He doesn't need to send your medical history. He's a physician." I’m really frustrated and not sure what to do next besides hoping the peer-to-peer thing works. Has anyone dealt with something similar? Can a doctor really not use past medical records for prior authorization? Any advice?

Currently have State Farm (been with them for 12+ years), and just learned that the defensive driving and good grades no longer available for teen drivers. Just the defensive driving and steer clear. Is that the new norm for insurance companies? Trying to obtain as many discounts for my teen driver that he could be available for. Didn't know if it was time to shop around!?!? ETA: Next best option to shop around to? State Farm was pretty reasonable when I added him, and has been good to work with. Bummed about the news.

Last month, I was laid off. I opted into COBRA with a start date of 04/01. The paperwork was sent to me last Wednesday, I elected into it Thursday, and paid my premium on Friday. Today, I logged into Cigna and it's showing I'm inactive with no insurance. After a few hours of customer service between the COBRA intermediary (WageWorks), they assured me I'm active and it takes a couple of weeks for Cigna to process. They sent things over yesterday and said my insurance would be dated 04/01. On the chat, Cigna wasn't able to help very much (which I understand). Is there anything else I should work on during this transitional time? Or, have others had success with waiting and letting the process work itself out? Thank you all so much!

Hello! I was rear ended, and the other party was liable. I submitted my vehicle for repairs at the shop of my choice. The car has been in the shop for way longer than the estimate stated due to shortage of parts. (Estimate was approved for 20 days, and its been almost 5 months lol) Adjuster stated they wont be covering the rental because it was excessive. I know that some shops are not truthful, but I confirmed with Acura. The parts were genuinely on back order the entire time. I told the adjuster that its not my fault that Acura is backed up, and that I wouldnt be in this predicament if their insured hadnt hit my car. He insisted that they wouldnt reimburse me for the rental. Side note: Originally the adjuster estimated approx $9K in damages, and the shop was in the ball park of $21K in damages. When the supplement was issued, the allotted time to repair still stayed at 20 days, is that normal? My thought process is that if there was more damage, then it would take longer to repair lol. What do I do? If I seek legal assistance are the odds in my favor? Im in Illinois if that helps.PLEASE HELP

Hey everyone, I got a call recently from a company called Wilber, saying I owe them money for an insurance-related matter. But the amount they’re asking for is way more than what I actually owe. This happened in Texas, and it caught me off guard. I tried asking for a breakdown of the charges, but it still doesn’t add up. It feels shady, and now I’m just wondering—has anyone else in Texas dealt with something similar from Wilber? Did you resolve it? Did they back off or escalate it? Just trying to figure out if I’m being taken advantage of or if this is some standard (but aggressive) practice. Any advice or shared experience would really help. Thanks in advance!

The patient is enrolled in the Moda Health Beacon EPO plan, and the provider is listed as participating in the Beacon network. However, the claim was denied by the payer, citing that the provider is not a participating provider. Could you please clarify whether participation in the Beacon network includes all plan types such as PPO, HMO, and EPO?"