My boyfriend was driving my car when it was hit from behind. Car A hit Car B that then hit me, then Car A fled the scene. My boyfriend does not live with me and he doesn't regularly drive my car. We did a road trip 2 years ago, where he did drive my car a lot, so he told the insurance he drove it 20 times in the past two years. Now they're saying I have to add him to my policy because he's a regular user of the vehicle. I can exclude him from the policy for less money. Is there any way that I can insist he doesn't regularly use the car besides what I've already said? In the recorded interview, he said that, in a given month, he doesn't use it. Could they say that, because he's a regular user, they will reject the claim, even if I do pay to exclude him from the policy or add him to the policy retroactively?

Santander Consumer sold the debt to Jefferson Capital, and it was removed from my credit report. Why is Santander still on my credit report and not removed as well? Btw Santander is a charge off account

Hello. Hoping someone can provide some advice on my next steps. The short version: I bought my house in 2016, at that time State Farm determined my house to be 5000 sq ft., it’s actually 2500 sq ft. Due to them thinking my house was twice the size my annual premiums were higher than they should be. This all came to light this week. My 2025 premium is now $600 less than originally charged. My agent is aware and admitted the mistake but has also told me there’s nothing they can do to recalculate the historical values of my house with the correct square footage. Do I have any recourse to get refunded for the past years I’ve paid the incorrect amount?

So like the title says I had 2 doctor visit back to back days. One I saw the PA and the other I saw the NP. But the medical claim with my insurance says I saw the doctor. I received a bill from the clinic stating I owe an additional $76.93 for the PA and nothing additional for the NP. Both doctors are from same clinic but different specialties. I reached out to my insurance and they said it was both bill coded as me seeing the doctors. Is this correct? I reached out to the billing department of the clinic and it’s been almost 2 weeks and they haven’t gotten back to me yet. Is this correct? I paid $220.63 both times (I have a high deductible plan) I think. I don’t have a copay - I pay for everything my insurance doesn’t cover(which they don’t cover very much) If you have more questions to help answer this let me know. In the last month I’ve spent $1600 in medical and I want to make sure I’m being billed a surplus amount. Edit- I’m 29F from Texas and I’m insured through my job with UHC

I was rear-ended on the freeway (not merging, just came to a stop in traffic and the guy behind me... didn't stop). We exchanged info, I got an estimate from a bodyshop, he opened a claim with his insurance (a Progressive subsidiary). I also alerted my insurance that there had been an accident but did not open a claim. Now I got a message from Progressive asking me to answer questions about the accident. I know them asking for an account of the accident or even coming out to see my car is standard - but they require me to agree to arbitration and a bunch of other terms before even seeing what the questions are. I have no confirmation that the other driver filed the claim assuming fault for the accident so agreeing to all of Progressive's terms seems wrong before having more information. I would be fine emailing photos, my info, and an account of the accident to an agent but the other driver says he doesn't have the info of the agent assigned to the claim. Is it all automated to the point where there is no person that I can communicate with outside of this form?

I feel like the obvious is “absolutely have one.” But friends and family make it feel like a total scam because they’ve had such negative experiences with every alarm company. What are your experiences with home security companies and do you feel like you got what you paid for in regards to home security? (For reference, growing up my parents always had ADT and had such a terrible experience that my dad ripped the monitor out of the wall and told the customer service rep some vulgar things about what he’d rather experience than do business with ADT again). For home security of course I’ll pay the extra price, just want to make sure it’s actually worth it and that they come through for you in the event of emergency.

I have a 2012 Prius V that was totaled in an accident. It has 40k miles on it (I got it from an eldery couple who almost never drove it). The insurance company came back with 3 comparison vehicles, all were same year/make but all have 90-100k miles. They are saying that the "adjustment" of value for the mileage difference is only $1500... Does that seem right?

I booked a flight from LAX to Hanoi through Priceline, flying with Cathay Pacific and transiting through Hong Kong. I had a valid visa for Vietnam, but I was denied boarding because my layover in Hong Kong was 12 hours and 25 minutes, just over the 12-hour limit for visa-free transit. This wasn’t disclosed at the time of booking, and when I asked for help at the airport, Cathay Pacific’s staff couldn’t assist me—they just told me to call their scheduling department. When I called, they initially quoted me $800 to reschedule to a later flight (11 PM), which I agreed to. After a long hold, I asked if I could take the 10 PM flight instead, and they said it would cost another $700. Frustrated but wanting to get there at the same time as my wife, I agreed. They put me on hold again, and then told me they couldn’t book it because it was too last-minute. Suddenly, the only option left was a $4,000 ticket, which I declined. Instead, they promised me a rebooking for the next day that would still arrive on Monday, which was essential for my plans. I agreed. When they finally called back, they had booked me on a flight arriving Tuesday, not Monday—not what I agreed to. And by that time, they had already charged my card. Now, I’ve lost: • My original $900 ticket (Priceline) • The $800 + $700 for rebooking • A $60 cancellation fee • They even charged me toll fees for the call I feel like I was misled, overcharged, and given incorrect information multiple times. Priceline and Cathay Pacific never warned me about the 12-hour transit rule, and Cathay Pacific kept changing the price and booking me on a flight I didn’t agree to. What are my options to get my money back? Can I dispute the charges? Do I have any legal recourse?

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.

They advertise they never raise rates due to age. I got insurance when my dog was a puppy and in the two years ive had her the rates raised annually from $40 to $50 and now $60. It sure seems like they raise rates based on age, unless you are telling me that vet care has increaed by 50 percent in my city in the last two years. Even in the very email they sent about the rate increase, they said "Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. "