On February 8th, my car was parked at a Miller’s Ale House, and it was hit by a truck that was parked right next to it. The restaurant manager found me and told me that the situation had happened, but the truck's owner was waiting for me. I went outside, the guy verbally confirmed it was his fault and offered 200$ to pay for a new bumper (that is the only thing that was damaged). I do not know much about the costs of parts and fixes, but it seemed not right to me, so I told him we should let the insurance deal with it. he agreed, and his wife showed me her insurance info from Dairyland on a screenshot. The truck that hit my car was not listed in that screenshot, but she assured me it was. I took a picture of the plate, and that was it. On Monday, I called their insurance and placed the claim. They asked many questions about the incident, and I answered them all. They gave me the name of the Adjuster and a reference number. She contacted me days later with more questions, which I answered, and asked me for pictures of my car from all angles. Since I heard any contact from the Adjuster I decided to call her today and she said that they haven't been able to gather evidence from the other party because and I am quoting her: “Since the police was not called the day of the incident, they have no direct way to contacted them, so we are at the mercy of them contacting us”.  I was not raised here in the US, and this is the first time I have had to deal with a situation like this in my life. In hindsight, I think I did not manage this very well. I didn't want to call the police since, yes, he probably was drinking inside the Ale House, but he was with his kids and wife, and I did not want the drama. Maybe I was wrong. I took a picture of his plate, and I have his wife's name and address. I did not get his phone number. I also have the manager’s restaurant as a witness.  I am incredibly frustrated. I handled this wrong. My beautiful Miata has a big dent in the front. And sure as hell don't have to be responsible for it. What should I do? Should I sue the guy? I do not get why the insurance can't contact them, maybe they gave me another insurance info. Is there any other way to deal with this? Help me Reddit!

I wanted to share my experience, as reading other people’s stories on reddit is what made me go with this company and i’m so glad I did. I’d heard lots of good reviews, and my partner had no issues with reimbursement with PetsPlusUs so I decided to try them out for my dog and cat. After my cat had surgery to remove an obstruction, they paid me back the exact amount I expected to be reimbursed, and it was very straightforward! I even forgot to update my address for my insurance so it didn’t match the bill, and it was fine (I think partially because I only moved 5 minutes away so my premiums weren’t affected). The only slight annoyance was I needed to give them ALL vet records, and they wouldn’t process my claim until I did (so please keep all your pet records safely in one place), but I suspect the same would be true for all pet insurance companies. My cat is about 1.5 years old, and her insurance is $35 a month and they repaid $2,100, so it’s been absolutely worth the money. While at the ER, a dog came in that was hit by a car and trupanion wouldn’t cover a penny. I overheard the staff talking about how terrible trupanion is for repayment (and its way more expensive than pets plus us).

Location: New York State I recently moved and set up auto deliveries with Amerigas, mistakenly assuming auto payments were set up as well. On the morning of March 25th, I discovered my propane service had been cut off without any prior communication or notice, leaving my home cold and smelling of propane. I immediately paid my invoice in full upon realizing the mistake. However, when contacting Amerigas, they stated they couldn't restore service within a reasonable timeframe (2-6 days) and refused to allow another company to fill the tank, which I believe violates the Propane Consumer's Bill of Rights. Additionally, they indicated I couldn't purchase the tank, contrary to my Residential Customer Agreement, and didn't provide the Propane Consumer's Bill of Rights in our contract, which is another violation. They also mentioned no notice was needed before service disconnection, which I understand contradicts New York State Heating Fuel Customer Rights. I have been a customer for six months with no prior issues. What legal options do I have regarding these breaches?

My girl will be 8 in October. Premium went up last month but nothing too crazy yet. She has a very slight heart murmur that’s not affecting her (yet) and hip dysplasia, so I’m very concerned that if I switch those won’t be covered since they’re pre existing. But it sounds like Healthy Paws will be too expensive in a couple years anyway. Does anyone know of any insurance that does cover pre existing conditions?? (That’s probably a stupid question.) Should I switch now before something else comes up?? If so, what other insurances are good?

My five year-old spayed female Pomeranian mix has been insured by Healthy Paws since I got her at eight weeks. They have reimbursed me for the full amount of my coverage within 36 hours every time, no questions asked, and our monthly premium has only increased slightly over the last five years ($40 to $45). However, I have heard a lot of stories about people who have had their monthly premiums with Healthy Paws increase by obscene amounts as their dogs get older. My pup does not have any history of medical issues so far—I am considering switching to something else while she is still young and healthy. Is that a good idea? What would be a better option? Any advice would be appreciated. We live in Los Angeles. Thanks!

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

Sold my other car and bought one at the same time, then returned the second car and got a full refund. All of this happened within 7 days of each other. Geico said I can't take off the car I returned, despite it not being in my name, without fully losing coverage which will then cause a lapse in my continuous insurance coverage. They basically said I either keep the car on until I find another one, or fully cancel my policy which puts me in a not-so-great spot. Geico offers non-owner auto insurance, and they couldn't give me a reason they couldnt insure me without a car, only the above "solution".... so if I cancel my policy and try to get a new one, Ill have to pay a down payment again and be subjetc to higher rates because I had a "lapse in coverage". What would you do?

i visited the ED back in march 2024 and ended up being placed in observation and let go the next day. i’ve been dealing with an insurance/billing issue since then. i have anthem BCBS under an employee sponsored health plan (Union Construction Workers). the hospital i visited was In Network. for some reason, the hospital is billing me around 17000$, stating that my claim was denied due to code *00897, which requests complete medical history from the member. the member being myself, so i contact my employer sponsored health plan claims specialist, and she has no idea “why they would want that [referring to medical history]” and ensures me the claim is covered and sends over the EOB. which states patient responsibility is $1500, and not $17000. she lets me know that UCW paid mercy back in july. anyway, fast forward to november i am getting billed $17000 again. i call billing, they escalate my case, and remove the $17000 charge from my statement. i call UCW again, and they let me know the claim has been paid. billing is telling me anthem denied the claim again. they ask me to resend the EOB. fast forward to now, i am getting billed 17000$ AGAIN! i call billing, they tell me that the anthem claim is denied. i ask them if they looked at the EOB. they say yes, i ask them if we can go through the EOB together. we look through my UCW EOB and the billing employee states that my ANTHEM EOB was reviewed and for some reason my UCW EOB was not reviewed but it was received after i sent it in November. he agrees, i should only owe $1500 per the UCW EOB. but anthem is denying my claim still. i call UCW again. the rep tells me that she is now contacting anthem directly. after 9 months of issues we are finally contacting anthem. and there is no way for myself to contact anthem, only through the UCW representative. i am giving birth in about a month, im in a rush to get this handled. i would accept any help that i can. i have looked through the itemized bill, UCW EOB, and claim on anthems website and reviewed for errors. i noticed that there is one charge (for $9.50) that insurance covered that is listen on both the itemized bill and anthems claim, however not listed at all on the UCW EOB. but i, a not insurance expert, does not know what this means. please please help if you can! i have already talked to my states insurance department, which they were confused w my situation and could not help. i also have requested proof of payment from UCW, as well as a 3 way phone call between UCW, myself, and billing.

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 was hopping someone could help me. My family is adopting a puppy this April and we want to get insurance coverage for it. I have read reviews online and here and it seems like people don’t like most companies because, shockingly, insurance companies don’t want to pay up. So I guess what I’m asking is does anyone have a recommendation for a company that reliably pays claims? I’m not too concerned about reimbursement times a month is fine, but I just don’t want to get scammed. It seems Trumpanion is very popular but also is 2x the cost of everyone else, To the tune of 1200 a year. It seems from the research I have done, Lemonaid, Figo, Fetch and Met Life have plans I could work with. Fetch being the cheapest and covering initial visits which is cool But concerning that it’s so cheap. Also is 10,000 annual coverage sufficient? I live in Seattle suburbs and have no idea what stuff costs. Thanks for any insight you all might have.