So I've had my own insurance (Medicaid, Ohio) since July 2024 but doctors keep charging my parents' insurance (UMR) even though I'm not a member anymore. I should have been calling and having them reprocess all the claims as they came in. But instead, my parents, who recieve the Explanation of Benefits letters, let them stack up and handed me a grocery bag of over 50 of them today. I have no idea what I owe, how to find out, who to call, etc. and they dont care. If what the letters explain is truly what's in the bills (that I don't have), I suddenly owe over $20k in medical bills which I literally live paycheck to paycheck so I don't know what to do about. What in the world do I do?

Pretext: In michigan, 2019 Equinox. So the girlfriend rear ended a trailer, resulted in a decent amount of damage to the front end. Part of the damage was the axle being ripped out of the transmission, loss of fluid and all that goes with that. She files a claim, we take it to a preferred body shop that is a Cadillac dealer. Repairs were made, we pick it up after it’s ‘finished’. I am the one who picked it up and noticed almost immediately there are shifting problems that did not exist before the accident. Called the body shop and they said they would be the first step, so the car was parked and we went out of town for the 4th of July weekend, dropped he car back to the body shop the following Tuesday. Have waited this long for an adjuster to rule that it is not loss related due to it being internal to the transmission. And because he can’t see an impact to the transmission, it would not be covered. I understand it would be hard to prove the problem didn’t exist if it were left only my word. But Progressive won’t pay the diagnostic hours to find out what the problem even is. Am I out of line expecting more out of this? For a car that operated flawlessly before an accident, shouldn’t I expect the same after repairs? What should the next steps be? When I asked about an appeal process the adjuster said they’re really isn’t one, and two supervisors already agreed with him. Am I SOL?

This past Sunday, while watching a movie at a theater, someone ran over brand new my motorcycle in the parking lot. Thankfully the person who did, told an employee and waited for me. He gave me all of his information. I filled a claim with his insurance, The Hartford and am a little worried about it now. Within a day of filing the claim, they have switched the adjuster and the new adjuster told me, “honestly, I don’t know. I’m not going to ghost you…” when I asked for a timeline on them getting back to me. Are they just going to give me the run around?

My pup just got cancer, and I’ve had her on nationwide for 12 years, I signed up when it was 90% coverage, excluding wellness and they used to pay out reasonably well. They hide it in the small print but they have extremely low limits for most categories - meaning I will be paying 70% of this out of pocket. The diagnostic limit alone is $1650 which is 25% of an MRI in my area. My other dogs are with healthy paws and pets best - I am sick that I didn’t move her sooner. If you see this please just move your pups rather than suffer.

When we adopted our dog (now 6 years old and 44 lbs, a mix of at least 5 different breeds) we took out what I considered to be a “catastrophic plan” to insure her and help us avoid difficult healthcare financial decisions when she grows old, or sooner (though hopefully not). The policy has a $1,000 lifetime deductible per injury/illness and no maximum benefit. When we took out the policy it was $25.03/month. It is now up to $57.15/month. A 128% increase over 6 years feels pretty steep, especially when she’s statistically speaking less than 1/2 of her way through her expected lifespan. Should I be regularly shopping around the same way one does with auto or homeowners insurance, or are the chances that I will find a better value now that she’s 6 low? I remember reading when I took out the policy that with pet insurance it’s better to insure early when the dog’s health risk is very low to “lock in” a low rate and picked Trupanion because at the time they advertised modest premium increases being a feature that differentiated them among their competitors. I don’t feel like 128% over 6 years is modest, and if the increases continue to increase at the accelerated rate they have been doing so, I feel like it may be worth surveying the field to see what else is out there. I like her coverage and feel that it works for our financial situation. (We are fortunate that we can afford regular wellness visits and any unexpected medical items < $1,000). TIA!

Long story short, we have never had issues with people buying and selling in our 6 unit condo building in Chicago until today. We accepted an offer and the lender reached out stating we needed **replacement cost coverage** in order to move forward, this is due to Fannie and Freddie guidelines as of June 2024. We have never changed our master policy provider and our bylaws specifically state that we must have **replacement cost coverage.** I have looked over our policy and it does not state either Cash value or replacement, just the limit on coverage with a \*attached for the inflation rider. Agent we reached out to has been non-responsive. Anyone else run into this?

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 was stopped at a traffic signal when another car coming from the opposite direction had his tire come of and hit my car. His insurance is declining to pay saying that it should be covered by my insurance comprehensive coverage. His insurance is liberty and mine is progressive. Just does not sound fair to me. Total damages of 5 k. I do have a 500 comprehensive coverage, its the principle of things. How do I go about it? UPDATE I had the other party call the insurance. The insurance just called and accepted it was their fault and promises to cover everything. They asked to go ahead and book an appointment with the body shop, which I just did for next week. Justice was served , thanks largely to the other driver being honest and standing for it. god bless America. Its about 20 days work and probably will be able to work out a rental car too in the mean time.

I managed two older buildings one built in 1950 and one built in 1900. The company's own them for 13 years and never had a insurance claim. Country financial, which is owned by Farmers I believe, did a risk analysis is dropping 45% of their older homes Are there any companies out there that are easier to cover older rental properties with older rust but still in good condition?

Day before I turned 31 this year I got into my first fender bender, I hit their rear end told at fault. Not fighting that, the problem is insurance saw the problems with my car and told me its repairable. Both my fuse boxes were obviously damaged and they didn't write them down, I wait 2 weeks to hear back and I am suddenly told Honda doesn't sell the fuse boxes separate and because of how its placed repairs and labor will exceed the car value. Not to mention I'm only half done paying it off, insurance said they can't retract or adapt their claim because it would be fraud.... I took pictures of my car post accident and you could see those boxes were damaged. Insurance initially payed me, but even though I gave the money to the garage.. now that its totaled insurance gets their money back and everything is now 100% out of my pocket. In addition to calling Total loss tomorrow is there anything I can do? I only had my car for 2 years and unfortunately leased at the end of the sky high c