To start, I must say I am very familiar with contractual language, terms, etc. With that being said, I specifically combed through multiple providers agreements to ensure I'd have coverage for specific events. MetLife has denied all of my claims & appeals for of course, it having been a preexisting condition. That in itself is hilarious - during an annual checkup my vet and I were discussing how she's been and I mentioned a little sleepy that week but so was I and they diagnosed her with "lethargy". Either way, unless reviewing their policy certain tests and medications would appear to be included under coverage regardless. It's difficult to give specifics over Reddit, but I figured someone may be able to direct me on how to pursue this further.

I had a 2000 Impala and I was insured with liability 70 bucks a month with progressive . Some drunk driver collided into me and destroyed my car. Their insurance paid me out. I got a new Impala. A 2002 . My rates where above 250 $ generally and found bristol west for 230. Is this even real? What is going on in todays day? This is like… outrageous? Borderline abusive lol. Can anyone guide me as to where to look for a cheaper insurance. My car was 2000$ cash . Ill be paying more to insure it in a year than what the car was paid for lol

Location: New York I am trying to navigate the ongoing challenges in the hardship surrender of a life insurance annuity (qualified) I inherited from my father when he passed in NOV 2013. He was 82 years old when he passed and was already taking disbursements (Metlife at that time). In early 2014, I truly thought that I had requested a full pay-out on the life insurance; however, Metlife then informed me that I had already annuitized the policy (?), and it was documented on my 2014 annual FMV notice from Metlife that there was "no servicing agent on record". At that time, I did not get too upset about the mix-up because my family was doing fine financially, then. However, I am now 61 and my wife is 62; and now our financial situation has turned dire, as last year we already liquidated the other inherited life insurance annuity from Security Benefit which was super easy and paid-out within days. The reason for this eminent need is that my wife lost her job in March 2024 and she has been unsuccessful in finding a new role in this unsure job market (>500 job applications), and her NY unemployment insurance was exhausted long ago. We also have three sons, with two currently being in college in which one of them has autism in which I have dedicated my life, acting as his personal attendant of sorts to assist his K-12 education. His disability application for SSDI is still in the appeal process with the SSA, so we have paid for his first year of community college, with a great deal of assistance from me. Unfortunately, after several documented/recorded calls with Brighthouse, they have failed to provide me with a copy of my original contract, or the ability to even open an on-line account. Whenever I call them, I am not even treated as a real Brighthouse customer as my annuity contract is immortalized allowing me no visibility of my account, and I am informed that I will not be able to withdrawal the money until age 73. After 11 years, the annuity is only worth \~$28,000 (started out at $37,000 in 2013). It's not a lot of money to most people, but it could save my family at this point! I would be so grateful if the legal expert in this community could help me navigate down the correct paths to possibly resolve this solution as we really can't afford a financial planner or attorney at this time. I'm not even sure that I'm using the correct surrender request form (EF-70N-DXC 10/23) because I never get a response from Brighthouse, and I am very gracious in my communications with them.

I was laid off effective 3/31. (Thanks, Trump and Musk.) I filled out the application with PENNIE on 3/31. Got approved and told I have 60 days to select a plan. I called PA/PENNIE then. I didn't have my COBRA info yet so couldn't make an informed decision. I just logged back on to PENNIE and while it still says "you have 52 days to choose a plan," the effective date is coming up as May 1st, not retro to April 1st (like how COBRA works). I've called and the rep is not well-informed. The last time I called, another rep said "yes you can choose later and it goes retroactive."

Got rear-ended at a standstill last week by a new driver. Filed a claim with his insurance (Allstate). Their adjuster gave me a list of preferred shops — only one (a chain) has good reviews, but Reddit has a lot of horror stories about this chain (not my exact location though). I have a local, independent shop I trust. Allstate says I can use any shop, but the adjuster got vague when I asked about downsides of going out-of-network. Redditors in r/AutoBody warn against in-network shops since they supposedly work more for the insurer than the customer. I'm just worried about delays, surprise costs, or Allstate refusing to pay. I don't want this to turn into a massive ordeal or be without my vehicle for too long. That said, I had some other body work I wanted my local shop to do (which I’d be paying out of pocket for), so it would be convenient to “kill two birds with one stone” to take it to them and let them handle all the repairs at once — versus having the chain handle my insurance repair and then turning around and having to go back to the local shop for the other work. What would you do — play it safe with the insurance recommended chain shop, or stick with the local / independent shop I trust?

I need some opinions on what to do. This is an odd situation. In past “pay up front cash” dental visits, the dentist offices, with a week or two, returned to me the covered expense/reimbursement from Blue Cross after they submitted the claim. However, this time, I went to an oral surgeon bc I needed a molar extraction that was complicated. I paid $1800 up front on credit card no problem. I would’ve paid double that with all the pain. About a week later I saw that I was covered for ~ $500 on the claim. A check was sent to oral surgeon’s office. When I called them they told me they were processing it and to be patient. This was a couple MONTHS ago. I last called on Monday 7/21 and was literally told, “check’s in the mail”. That’s pretty funny, especially since it is now Friday night and, of course, no check. Something quite fishy about this. I wonder if Blue Cross can do something. I’m interested in thoughts on this. TIA!

Hello everybody! Thank you so much for all the important information in advance. My personal car was at the shop and I needed to rent a car. I did — from Turo. I purchased a minimum coverage from Turo (my deductible was $3000). Was in traffic going around 15-20mph and the car in front of me slammed their brakes. In order for me to prevent the collision, I swirled to change the lane to the right, hitting their back right corner, and wiped my car through the curbside. They had a scratch and one side of rear bumper got unhooked. The car I was driving had the headlight destroyed, front bumper fully came off, and the driver‘s door stuck. The other party filed a claim with my car insurance. My car insurance does not cover rental. I’m so genuinely confused because my insurance is telling me to figure it all out as they have a balance of $4000 that I am required to pay. And I’m wondering if the other party was supposed to file the claim with Turo? Is my car insurance supposed to be invo

Greetings everyone. I do but know where to go for help in this. I tried the court but that was useless. There is only one lawyer near us that takes our MetLife legal card. So my dad died augusts 2022. The estate is worth close to a million and there was no will. I tried to qualify as the administrator, but since I had to be bonded, my credit held me back, so my brother was able to qualify. Since then, he has done nothing. Two plots of land were sold for 300,000. It was sold for less than it was worth, but it was too family, and that was important to my dad. No personal items have been sold. There homes are in the country and the homes are full of mice that I’m sure have eaten everything! The cars have been sitting, uncovered the four wheelers the Farm equipment, all of it sitting and rusting. There is a double wide that’s about 15 years old and sits on a gorgeous lot and a three bedroom brick ranch that is still waiting to be sold and all of the personal effects but I cannot get my brother to do anything. He will not return a phone call or a text message. When we try to contact the court, they were of no help we don’t know what to do who returned to or what our rights are and trying to read online. It’s like it’s written in another language. I know this is a long Post, and if anybody has time to give us an idea of how to move forward from here what we can do it would be so appreciated. We are in Virginia if that makes a difference at all thank you in advance so so much.

I attempted to enroll my wife in a Pennie health insurance plan with a July 1 start date, even though she won’t physically arrive in the U.S. until July 8. She’s entering as a lawful permanent resident, and as I understand it, that status only becomes official when she enters the country and gets the I-551 stamp or green card. When I called Pennie, I expected them to tell me to wait until she arrived. Instead, multiple reps told me I could start her coverage as early as June 1. They said as long as I uploaded her green card by the September 18 deadline, everything would be fine. At the time, I followed their advice. But now that I’ve gone through the actual policy language from Pennie, I’m second-guessing the whole thing. From what I can tell, coverage can’t legally begin until someone is lawfully present. That would make July 1 an ineligible start date since she won’t even be in the country until July 8. It also looks like coverage normally starts the *first of the month after enrollment,* which makes me think August 1 is actually the soonest possible date. So now I’m stuck wondering what happens if I submit her green card later and it clearly shows that she didn’t become eligible until after the start date I selected. Will the system flag it? Will coverage be denied or quietly canceled? Do I need to withdraw and reapply once she arrives? I’m looking for input from anyone who really understands how Pennie processes these kinds of cases—ideally someone with inside knowledge, or a rep who has seen how this plays out in practice. Any analysis or clarification would help a lot.

Got a policy update email that will take effect in 63 days. Going from $196/month to $567/month. This is actually insane. I got on phone with them and they said it’s not my amount of claims but they consider the state of CA and thst since it is pooled insurance it is what works best for everyone. I was like, this payment is like a luxury car?! The only thing they said to do is lower the reimbursement and up the annual deductible; right now I have 70%/$500 and if I switch to 50%/$1000 it is $372. My dog is 14 years old for the record. I just feel stuck and frustrated. Especially cause switching to a new one means everything becomes pre-existing. Does anyone have a similar experience? Advice?