I’m currently with Prgrssive insurance I star with them about 3 years ago I’m 27yo. First car insurance with them paid $700 for 6 months the following year they bumped out the price for $850+ for 6 months and this year I got $900 for 6 months. No accident zero report at all why they kept bumping my prices? I’m from New Jersey. I’m thinking of switching insurance and your recommendation or what I need to do to pay around $700 for 6 months if possible, thank you!

I have met my Medicare deductible. I have plan G Medicare supplement which pays all co-pays, etc. I am being billed by a doctor’s office in spite of the fact that I have no further liability for co-pays. What is the best way to resolve this as the doctors office keep sending me a bill.

Location: Ontario,Canada Background: February 2023, I had been working for three months at a manufacturing shop when a new welder was hired. He came in with no mig tickets, but had 10 years of experiance welding stick. My first mistake was trusting this guy because of his "experiance". My second mistake was agreeing to help him when I was still new to welding. I had my mig tickets at the time, so my foreman asked me to tack up a train part while the new guy held it up. I had everything ready, than I had a gut feeling something bad was about to happen, so I turned around to grab some clamps. He let go of the steel plate... HE LET GO OF THE VERY HEAVY STEEL PLATE! Next thing I know the old guys I work with are rushing over, getting this part out of my boot and off my foot. Yes I was wearing steel toe boots, but the plate feel off the table at an angle and slid under my steel toe plate. The guys ended up sitting me down as I passed out. When I came too, my formen drove me to the hospital where I had to get the bottom of my toe stitched up because the pressure blew the bottom out. Doctor: Imagine your toe is an ice cube. Now smash that ice cube with a hammer, and that's your toe. I whent to work the next day because I'm stupid and figured it would show my dedication to earning an apprenticeship and show them I was willing to work through anything, even pain. The bones in the toe kept spreading, so I ended up getting constant infections causing me to need the first section of my toe removed about 6 months after the initial Injury. After my first surgery I noticed what was left of my toe was turning black and the bone was visible. They tried taking the dead skin off and giving me two stitches unmedicated, but the toe kept dying. I ended up getting the rest of the toe amputated. I've had a C-Section, and I'd much rather have another one, then going through a toe amputation again. That's how much pain I was in. I was off for 10 months. I got paid medical leave through WSIB, but I lost 10 months of hours, 10 months of traning, my tickets expired, they refuse to give me an apprenticeship now, I have to bag for jobs. My question: Do I have the right to compensation? I'm 27, never getting my toe back and my feet are in constant pain. Favoring one foot is causing the other issues. It's a back and forth battle. Because I'm young and have to still work on my feet for the next 40+ years, the doctors don't know how my feet will hold up. I'm not looking forward to the future and my mental health crashed because of all this.

I signed up for MetLife insurance and literally the next day my cat ate a rubber baby toy causing a blockage in his stomach. The policy had no waiting period for injuries but a 14 day waiting period for "illlness." An emergency surgery/hospitalization later, now Metlife is denying my claim saying that ingestion of a foreign body constitutes an illness not an injury so it was not covered. I got my vet to write a note saying it was clearly an injury not an illness, and wrote an entire appeal....only to have it denied for the exact same reason. Anyone have a similar experience? Also has anyone utilized the part of the policy where you can appeal an appeal to a third party neutral vet? It says I would have to pay for it but I am wondering if anyone has even had success doing that?

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

Not sure if this is allowed, but here goes: My employer retirement $ is with Empower, and 100% of it in a **T Rowe Price 2025** fund. I'll only be working for them for 5 years tops, and this $ will not be a big factor in retirement. This TRP 2025 has done great, barely lost anything at all. *Most* of our $ is with Ed Jones, and one of the funds they have me in is **TRP Large Cap Growth** fund. This fund is not doing as well as the 2025. It may be important to know that I am not contributing anything new to Ed Jones, this $ is growing / declining as funds do. They have me in a ratio of growth / stability appropriate for my age (62, want to retire at 65). I asked the Ed Jones, guy, "The TRP 2025 is doing great, the Large Cap Growth is not doing as well, is there a compelling reason to NOT to move from the Large Cap and into the 2025?" Ed Jones guy answers with "The market goes up and down, don't watch the news so much, we're re-investing dividends and buying low. Dips happen and then we recover..." or words to that effect. ***It's like he didn't answer my question, I know the market goes up / down, I'm not saying "sell everything" in a panic. SO, is he just dodging my question for some reason? Are there valid reasons to NOT switch from one TRP fund to another?***

Hi! Thought id share my experience with my cat! He is 4yr - i have had Trupanion since i adopted him a year+ ago. He had no pre-existing conditions. I specifically asked agent of dental was covered and they said yes. He has been to the vet a couple times - first time visit, ear infection, worms from new kitten we got, etc. The vet has briefly checked his teeth previously and said a little tartar but overall healthy gums. Friend got a new cat so was asking about my policy - reading the “fine print” is that dental doesn’t kick in until first post-insurance dental/oral examination. I immediately emailed and asked that his dental coverage has kicked in - they said no because they have no notes from vet. I said she probably didn’t note because there was nothing of note…asked if i got her to confirm they could put into effect retroactively. They said yes. Vet sent over full records to them - vet “briefly” checked mouth with said assessment on 12/11/24. They said it will take a couple days to process but will get back to me. Still waiting and can update but wanted to just flag!!! I also checked because he may have some mouth issues that i flagged to vet a couple weeks ago (still undetermined) but glad i did because i could see their potential denial saying “he didn’t have an oral exam prior blah blah blah.” Anyway TLDR - check the fine print!! They are so sneaky and if they fight me on this i will probably cancel.

We got pets best insurance a few years ago and this year our 9 year old dog was diagnosed with lymphoma. After a few months of receiving expected claims, they suddenly started denying everything, forcing us to appeal every time. After appeals, they usually end up paying, but it’s incredibly annoying. But this month, our policy renewal came and they DOUBLED our premium!! DOUBLED, in the first and only year where we actually made claims…. How is this legal? They say it’s across all their plans, but I don’t believe it for a second. Anyone have this happen?

Last year, my home was hit by a vehicle and became unlivable. I was advised to create a claim with my insurance company. I had a disaster restoration company come out, provide a quote, paperwork signed, my insurance paid out a portion of the estimated total, I paid the deposit to the restoration company out of that. That was six months ago and no work has started, and here is (allegedly) why: 1. My siding has asbestos. Contractor says they cannot fix the damage without disrupting the asbestos on the two undamaged sides, therefore insurance needs to pay for four replacement sides, not two. According to contractor, this is an EPA regulation. Insurance says because it’s not township code, it doesn’t matter and they will only cover two sides. 2. My hardwood flooring is original to 1950 and has no subfloor. The subcontractors won’t fix without installing subfloor, as the type of hardwood used in 1950 does not exist and today’s would not be strong enough. Insurance will only cover fixing the damaged area, which means I will have a visible difference and seam in the hardwood. Again, because it is not code, Insurance is pushing back. I have not received an actual denial letter, I’m just being told by the adjuster that nothing is happening. I requested to escalate to a supervisor two weeks ago, still no updates. I’m overwhelmed and I’ve been out of my home for more than six months. Questions: 1. Do I need an attorney, and if so, what kind? Google hasn’t been helpful. 2. Am I within my rights to get a new quote for the siding and hardwood flooring separate from the other repairs? 3. Why is this going through my insurance and not the insurance of driver who hit the house? I only filed with my insurance because I was panicked and a neighbor told me to, and I’d rather argue with the bad guy’s adjuster instead of mine. I feel like I have to play nice with everyone, but the anger and resentment and frustration is building.

Sorry everyone this is a long one and I don’t have a good way to TLDR it. Just for a quick note, I have USAA for auto insurance and my vehicle is a 2017 Corvette Z06 in 3LZ trim, Z07 package, and 52k miles. I own the car outright and it is titled/registered in NH. So a little while ago I was driving in heavy rain, hydroplaned, lost control, hit another car in a few places not too hard, and slid into the median. The cosmetic damage is pretty bad. A few body panels and aerodynamic parts of the car were damaged and will need to be completely replaced, as you can’t repair fiberglass/carbon fiber. I estimated myself that the cosmetic damage alone would cost $25-$30k (take that for what it is, I’m not expert lol). I had a chance to look under the car and nothing looked terrible - only thing of concern was a rear wheel that was canted slightly outwards. I towed it to a shop and they’ve found no frame damage; they’re saying it’s completely repairable. USAA got an adjuster to do an estimate on the repairs and it came out to almost $32k without having taken apart the vehicle. Their estimate also included a substantial amount of work being done on the rear suspension, if needed, which is probably the only mechanical part of the car which would’ve been damaged. Their Actual Cash Value (ACV) for the car came out to be almost $61k at the time, and since the repairs were estimated to be over 50% of the ACV, they deemed it a total loss immediately. But I knew that ACV was wrong, because no low ballers, I know what I got. In all seriousness, their report included the methodology for calculating the ACV - they compare my car to two similar cars for sale in the area. However they made a mistake and compared my car to two base model Corvettes which, brand new, went for anywhere from $30k-$45k cheaper at MSRP. They also left out very valuable features my car had as OEM equipment like the carbon ceramic brakes which go for about $16k brand new. Obviously I know I’m not getting full value for these things, I’m just saying they certainly add value. Anyway, they admitted their mistake in comparing my car to two non-comparable vehicles and redid the calculation. The new ACV is almost $87k now. Now, I know a lot of you if not all of you will say take the money and run, but this is a dream car for me - it’s spec’d perfectly and I’ve done a lot of work on this car all by myself, so it has a lot of meaning for me. I could take the owner retainment settlement option and receive $48k, repair the car myself, and pocket extra money (because I know these repairs wouldn’t cost more than $48k), but they would issue a salvage title, and I couldn’t do that because I’d still want full coverage on the car. But even with this new (and correct) ACV, USAA refuses to not call this car a total loss. Repairs would have to exceed $43k to be over 50% ACV and, by their own definition, be a total loss. Additionally, in the state of NH, generally when a vehicle is involved in a collision the damages need to exceed 75% of the ACV to be deemed a total loss. This is what USAA has recently sent me as I’m still fighting them to get the repairs done, “I can understand your point, however there was no mistake in deeming the vehicle a total loss at start, you were interested in more value in the settlement. The fact that the added value was reviewed doesn't remove it from a total loss stance. We still report it to the State as a total loss, the features and conditions that were modified as a courtesy increased the value here.” So my question is, can they do this? Still deem it a total loss even though from the start their calculation of the ACV was incorrect? I disagreed the car was a total loss from the very beginning, I wasn’t looking to get more money from the settlement, I just wanted to ACV to be correct. I’m not even looking to pocket any money from this, I just want my car fixed.