# Update: Solved! Emailing customer support directly did the trick! Cheers to the awesome customer service reps who took the time to dig through old files and find my old policy based on my very scattered recollection of what email address or phone number it might've been associated with. Lesson learned: keep records, even beyond when you think you'll need them! Hi r/insurance, I'm currently trying to track down Letters of Experience from all my previous auto insurance providers in the US (to lower the cost of premiums in a new country where I've yet to establish much of a history of driving experience). I called Geico, who was my first provider from \~2006 to 2010 when I first got my license, but the customer service rep I spoke with said that any customer information that old would have been archived, and she was unable to find me in her system. (For context, after 2010, I moved abroad and relied on public transportation, so had no need for auto insurance — hence why I'm jumping through hoops trying to track down such old information.) Has anyone run into this? Did you have any recourse for requesting files be unarchived and a Letter of Experience generated? Any suggestions appreciated!

Hi guys, new home owner here, and I'm currently in a dilemma. So I bought my house a couple months ago and I had a Tesla Charger installed by an electrican that my dad found out about from a friend. After the work was done, I applied for a rebate from PSEG for the EV Charger that they're offering and I got an email from them saying I need to provide a proof of payment to the electrican. So here's the thing, all I have is an invoice, I payed with cash once the work was completed. I sent PSEG the invoice and told them I payed with cash, they replied saying that is fine, I would just need a paid invoice saying I paid with cash from the electrican. I sent the electrican multiple texts, on different days, even called him multiple times but no answer. I'm not really sure what to do at this point. I know he's certified, I have his electrical license which also has his address.....Intrusive thoughts are telling me to show up to his house Any ideas?

Greetings, I have State Farm insurance on my truck, which I've been gradually making improvements to for off-road use over the past 2 years I've had it. As of right now, I have about 18k invested into it excluding labor. I've asked my SF agent aboput gettin an endorsement and they verbally said that my current policy should cover it as long as it's bolted to the vehicle and that I've kept photos and receipts, but I still worry I could end up in a situation where the vehicle is stolen or wrecked in an accident, deemed total and I'm offered far less then it would cost to purchase a similarily equipped truck used on FB marketplace. I'm a bit skeptical of whether or not this is accurate or whether i'd be severely low balled. I live in a fairly urban area where property theft and unisured reckless drivers have been sharply increasing. I skimmed over my policy but nothing stood out to me in reguards to modifications, but perhaps I missed something? I'm just trying to make sure that I'm not screwed . One scenario I'm worried about is getting a low ball offer for the vehicle and then hoping there is an avenue to buy it back so that I can transfer the viable parts to another vehicle of the same model, selling whatever is leftover for part and taking a huge loss.

So I’m (M22) new to all this Pet Insurance jazz. I just recently moved to my own apartment from my mom’s house, so I moved my cats pet insurance to my new address just so it’s easier and have a sense of independence. When I called MetLife to switch my address, the representative said NOTHING until the very end about me having to pay my deductible AGAIN and I would also be charged ANOTHER payment for my cat’s insurance as it would be getting restarted. I just wanna know if this is true or if I gotta make a phone call?

I had an MRI arthrogram ( contrast for hip labrum and joint) and it was coded 27093, 77002, and 73722. And then the pharmacy drugs. My insurance is trying to bill this a surgery as they say code 27093 is under the surgical code section in the CPT guidelines. Normally I would have 100 percent coverage for any outpatient clinic ( non hospital) MRIs. My insurance says even though this was not done at a surgical centre or with a surgeon ( only a radiologist), they can charge me as if it was a surgery and therefore also charge the radiologist as surgeon fees. Does this make any sense at all? That way they say I have to pay 20 percent of the whole package of MRI ( 73722), Radiology diagnostic ( 77002) , and the local anesthetic used by the radiologist prior to the iodine injection ( 27093). So even though my work insurance normally would cover radiology diagnostic and all imaging at 100 percent, they say because of 27093, this is now a full blown surgery and only covered at 80/20 rather than 100 percent. Is this true? I will post in CPt code section.

Hello. I’m looking for options or ideas to fight the denial. I’ll start by saying I’m not medical insurance savvy whatsoever, I struggle to fully understand the what’s and whatnots. Her insurance is Christis Health Plan. My mother (45) battled stage 3 cancer last year up until two months ago when we finally got the good news she’s in remission. As she’s come off an aggressive treatment plan, she has started to lose function of her legs. Her PCP has ordered an MRI to attempt to diagnose but the insurance has denied it. Currently she’s on a medication to ease the numbness/ loss of control but over the last few weeks it has gotten to the point she cant make it up the four stairs without help and falls on uneven ground. I’m not sure how much else info is relevant but I’ll do my best to answer any questions. She’s calling both her doctor and insurance in the morning for further information. What specifically should she be asking? Is there anything we can do to help get this approved? Any help is so appreciated as a $1400 MRI cash pay seems daunting, much less whatever it may cost to get her back in walking order.

My husband and I signed up for BCBS of Illinois PPO+ plan through his work this year. I started seeing a physiatrist who was in network. When my claim was submitted, they only approved a discount from $360 to $219 leaving me having to pay $219 out of pocket. I previously had United Healthcare from my last company and with that insurance my physiatry appointments were only $30. I have read through our policy agreement but have to admit, I have no idea what I am reading. Can someone help explain what is different between my currently BCBS plan that only approves a discount vs other plans who only make you pay the co-pay? Thank you!

Don’t trust this company! We had our mortgage insurance one year from 2170 to the following year 4340! Double! Well our dwelling went from 356,000 to 375,000.

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!

2024 I met my deductible for the first time so I decided to see a sleep doctor. Found the doctor through my insurance portal as in network. Went to my visit, no payment as my insurance is accepted. A few months later I was billed as out of network. I call the doctors billing office and they assure me they are in network, they will resubmit to insurance. I get another bill, doctors billing department reassures me that they are in network, resubmits. Now in 2025 insurance and doctors office confirm that the doctor only became in network for my particular plan 10/1/2024 and my two appointments were in September 2024. Very suspicious. Is there anything I can do to get out of paying? Everybody was on the same page so I am not sure what happened? I suspect the doctor forgot to renew with my plan and so it went into effect the following month of my visit?