During december this year, I had to go to the ER for a kidney infection while visiting family in Wisconsin. I'm in California and have had LA Care since I turned 26 and was kicked off my mother's insurance (Blue Cross/ Blue Shield Missisippi) I'm 28 now. LA Care is now saying that they were never my primary insurance, and that BCBS is my primary, so the responsibility of the bill falls onto them and me. I had a surgery 2 years ago that was covered by LA Care. I have contacted BCBS to ensure that my insurance is not still active with them, and it isn't. I three-wayd a phone call with representatives from both LA Care and BCBS to make sure the issue resolved. Ive been calling LA Care since early this year to have them remove BCBS as my primary since I no longer have it, but as of yesterday, they still haven't removed it, and are still listed as my secondary insurance. The hospital in Wisconsin and billing me over 6k. I can't afford that, and was under the impression I'd not be billed since a kidney infection is classified as an emergency under LA Care's policy. I don't know what to do. I'd appreciate any insight on this situation, LA Care is being incredibly unhelpful, and refuses to even let me submit an appeal. LA Care also covered a surgery I had 2 years ago. I was never aware they weren't my primary insurance.

I need some insight from others who seem to be having the same issue with rate increase on their dog’s premiums. My senior dog is going from $179 to $410. I cannot afford it but i need something in case he has an accident / medical emergency. What are you doing if you’ve also received a high rate increase? I understand pre existing conditions are not covered if we switch up. He is currently on an Apoquel medication for lifelong allergies, and so far so good healthwise. He is also a Saint Bernard so as a giant breed, they do not have a longer lifespan. We live in California. A quick search showed me ASPCA pet insurance, which i didn’t know existed… Any advice is appreciated and thanks in advance. Edit: typo on ASPCA 😅

I reached out to my State Farm rep about why my homeowners insurance went up 30% this year and he said “that’s just what they’ve been seeing lately” and offered to decrease my Coverage A and Increase my Dwelling coverage to bring down the premium. The total replacement cost covered would remain the same. He was selling this as effectively being identical if we would be rebuilding in case of a disaster, but something doesn’t pass the smell test. Has anyone else opted to do something similar? He was unable to articulate why State Farm would do this if the coverage was the same. He only Personal coverage would decline as a percentage of coverage A. Is there anything else I’m missing or anything else I should ask?

I have messaged optumrx several times to stop automatically filling medications for me. I would like to do it manually because many times my doctors send orders for as needed medications that I use maybe once or twice a month and have years worth of usage from constantly having it sent. Despite attempts, they never fix the problem. What can I do? Age 28, state FL, gross income 80k

I suffer severe injuries after being struck by a car! The lawyer called me today to tell that progressive insurance is only going to pay $25,000 for my injuries and that my medical insurance will cover my bills . And they research the guy and he has no assets to sue him!! I am devastated that I nearly died in this accident, everything is gone, and I am mentally ruined. Could you kindly advise me on what to do? Thanks

I bought a almost new used camry and i almost got into a huge wreck this last weekend, pretty much I was fishing and this drunk idiot sideswiped my friends car with his boat while pushing his empty trailer nearly off the cliff towards the river, thankfully the hitch stayed locked in we were able to drive it to safety minus scratches either way they exchanged information. Afterwards, we were talking about it. I still owe almost 30k for my brand new camry even if I didn't notice who the driver was Would there be any way that gap would cover my car if it were to have fallen or got heavly damaged due to the small cliff? I.had previous vandalism to my car last year and it was a headache through insurance

Location: Missouri Alright long story short, I had a car accident earlier this year that totalled my vehicle. I had full coverage insurance that covered the majority of the auto loan I had. The other party, the GAP insurance is to take care the rest of my loan. I got a piece of mail from the GAP people saying the check has been issued to my lean holder on February 11th, was told it should take no more than 30 days for that money to hit that account. So I called my auto lender to ask what's going on, turns out the GAP insurance company sent the check to the wrong address, that was March 11th. 30 days since the initial start of the GAP claim, I called them again today, March 25th to figure out what is going on. Come to find out they issued a new check on March 18th which was last week. It's been 7 days, nearly 45 in total since my auto loan should of been taken care of but it hasn't and I haven't been able to get a new loan due to my current outstanding loan that the GAP insurance is supposed to take care of. Basically I don't know what to do at this point, I'm still paying on the current auto loan cause I don't want it to effect my credit but at the same time I no longer have the vehicle since it's been totalled and taken by my auto insurance, what do I do in this situation, is there anything I can do?

TL;DR: Be nice and…get yo money?? I made a post a few days ago about how I was seeking compensation for the stress caused my the mishandling and lying committed by the at fault drivers insurance. This was my first car accident, so I’ve never dealt with the claims side of insurance. I explained how it’s my understanding they were in violation of the Unfair Claims Settlement Practices Act and how when I finally got ahold of the other insurances adjuster, he made multiple false statements (which his supervisor confirmed were untrue statements). For many reasons told and untold, this was stressful. I made a post explaining how I was seeking compensation for the stress caused by the mishandling of this claim and asked what the chances were that I’d get compensation. I came here seeking genuine answers and instead I received belittling comments, essentially saying “you will receive nothing you dumb fuck.” Well…I just received an email today from the insurance agreeing to pay exactly the amount I asked for. While I get things take time, not hearing a single word from the other insurance for almost two months when their own policy says they reply within one business day, and making multiple unnecessary false statements is not right. Making belittling comments to someone is also not right. My point is, be nicer. Don’t join a subreddit where people are seeking genuine answers if you can’t give them, or simply don’t comment. AND, if an insurance company got you feeling stressed, take a chance. It might literally pay off.

So, in December my son took one of our cars from Florida to Virginia for university. VA required limits are much higher than in FL and changing the limits, plus garaging the car in VA, raised our Progressive policy to almost 3 times it's cost. Instead, it was suggested by the insurer we get a different policy for the car in VA. And we did so, through Geico. Now we have 1 policy in VA for my son and I and 1 car. One policy in FL for my son and I and the other car. Today, I received a notice from the state of FL that they are going to cancel my registration because the Cadillac (car in VA under Geico policy) doesn't have insurance, according to their records). Sigh. Will FL accept the VA policy? I can't really register the car in VA since I don't live there and the car is in my name. And both the kid and I have FL licenses because he is a student, so his residence is still FL. Is the only solution to pay 3 times the amount?

Hi, our new 2024 Tesla Model Y LR was declared totaled by Tesla Insurance and they are valuing the car at $39,451, which we don't think is fair. We bought the car in mid-Aug 2024, had only put 1316 miles before we were involved in a crash on Dec 03, 2024. We were at fault party (there was no other party involved) , so we filed a claim with our Auto Insurance which is from Tesla Insurance. We are in Fairfax, VA, but the valuation report uses for reference a similar Tesla in Apopka, FL, \~ 1000 miles away !. Btw list price of the Apopka, FL was $ 40,900 and it had 3904 miles on it. Also they have listed the Vehicle Condition as Good/Well Maintained across different areas. We do not know the scale Audatex (3rd party company who provided the valuation report) uses but our car was impeccably maintained and its condition was 'Excellent'. Need advice on how to fight back. Thanks. # From the Valuation Report: **Vehicle Condition** * Seats: Good * Carpets: Good * Int Trim: Good * Glass: Good * Headliner: Good * Body: Good * Paint: Good * Ext Trim: Good * Engine: Well Maintained * Transmission: Well Maintained * Front Tires: Good * Rear Tires: Good **Valuation Details:** * Price ( Comparable Vehicle, Apopka, FL) : $ 38,501 * Odometer Adjustmentd : $270 * Tow Hitch Package : $ 680 * TOTAL: 39,451 **Adjustments of Special Note** * An odometer adjustment of $0.1050 cents per mile/kilometer has been applied. This adjustment is based on the vehicle year, vehicle category and market area. Odometer adjustments are capped at 40% of the vehicle's starting value. * Typical miles for this 2024 Tesla Model Y in Virginia is 20,999. * No special adjustments were made for this vehicle. * All values are in U.S. dollars.