Someone hit my crappy but reliable car on the way to work a few days ago and their insurance (state farm) is trying to declare the car a total loss, but the cost of the car won't come close to getting me a new used vehicle of the same quality. The damage to the car is mostly cosmetic with only about $1000 in repairs required to get the car on the road again. But ~$4000 to repair the cosmetic damage. The mechanic suggested I try to call them and let them know that I wanted a lower payment in exchange for the car not being totaled but whenever I call state farm I'm immediately redirected to their total loss department. Is it at all likely that I'll be able to instead do a cash claim so that I can keep my car or am I just competely fucked?

Location: Georgia I rented a car in canada, but am a US citizen living in Georgia. The rental company (Turo) is claiming damage that I did not cause and wants me to pay. They say if I do not pay they will “send it to collections”. The company does also exist in the US, but since the rental was in canada, do they have any ability to try and collect from me?

I have had a policy with lemonade for nearly 2 years now. They have been pretty decent about instantly approving a claim but my first one was denied a year ago due to a preexisting condition they swore up and down was listed in my dog’s history, that wasn’t. After a denial and appeal, it was still denied. I ended up dropping the fight with them on it. Now, my dog has a cyst that is needing removal now, but was discovered before I put him on insurance but the vet has deemed it needing to be removed now - then, they weren’t worried about it. It is mentioned in his health history with the vet, so I fear they will label this a preexisting condition as well. But lemonade told me via phone that they would do a reapproval, but after sending in the estimate - I was met with this.. can someone help me understand why the value of the estimate matters more than the type of service requested to be approved? The estimate is $1,306. I’m so PO rn. The estimate literally says it is for a surgery. I would understand if it was a normal appointment and under 3.5k.. Like I literally do not have the funds to do the surgery without knowing I won’t get reimbursed. Is this normal with other carriers?? 🙃

I had a home claim, and State Farm issued a check made out to me, my mortgage company, and the down payment assistance program I used. I had both parties endorse the check (which was already kind of tedious process that took 2 weeks) and now US Bank says they won’t accept the mobile deposit because the payee doesn’t match the name on my account. I called customer service to explain, and they said US Bank won’t accept deposits unless the account names match. I did call after regular hours so maybe it’s an overnight service that has bad info. But surely 1) this isn’t a particularly unique situation and someone at US Bank has to know what the protocol 2) the standard here can’t be that I have to open up a bank account with both the down payment assistance program and my mortgage holder, can it? I feel insane that I can’t find any info about this online, so I’m hoping that means there is a way. ETA: Ended up having to mail it to a branch! But for future readers, no, you are not expected to set up an account with you and your mortgage lender, thank goodness!

I have BCBS Horizon of NJ PPO. It’s my dad’s plan thru his work at a large sales company that has no religious affiliation. He’s worked there only a few years definitely after 2019. His job is in NC, I’m a MD resident. Currently battling insurance for a bilateral salpingectomy which is a form of permanent contraceptive and falls under preventive care and the ACA. My plan offers preventive care 100% covered in network. My insurance is telling me it’s covered at 80% after my deductible is met ($1200). One rep even told me my plan must not be aca compliant then. I looked into that and BCBS NJ horizon has not offered a non aca compliant plan since 2013. This rep is flat out lying, right? Well she gets a supervisor involved and he can’t confidently say whether my plan is aca compliant or not. It covers birth control 100% (I currently am on a 100% covered by them birth control). I think they may be looking it up as an outpatient surgery and not as preventative care. How do I tell them to look at it from preventative care and not outpatient surgery? Is it even possible for my plan to not be aca compliant? I’m currently in communication with an hr person from my dad’s company. She hasn’t gotten back to me yet and I really want to sleep tonight. My surgery is March 27th and I really can’t afford for it to not be 100% covered. Please help 🙏 💜

I’m 23 buying my first car. It’s a generic 2007 Pontiac wave and I want to do uber eats with it. I got a quote from Intact and he said it would be $800 down and $500 and change a month. This feels insanely high, even for commercial insurance. Any advice? Edit: I am a new driver so i understand it’s going to be a bit higher.

Hey everyone! I currently have metlife for my one dog and want to add my newly adopted dog. They tried selling me on their preventative but I feel like when I get a new quote on their site the information is different than what was being pushed to me over the phone. These are the pictures I have. She said that all my dogs flea and tick would be covered for the year after my deductible but if I'm reading this correctly I would only get a payout of $75 for the year. Is that correct? That doesn't seem worth it at all. Also, She was actually so pushy I'm also considering switching insurances completely.. I've looked into AKC, Spot, and embrace but I need one that covers potential foreign object ingestion and AKC only has once in a lifetime which to me is crazy. My pup picks up stuff on a walk, chews on sticks, etc I'm almost about to put a muzzle to be safe. Thankfully nothing bad so far, but after my aunts experience of her dog swallowing an Avocado pit I want to make sure I have one that covers this just in case.

My husband had a emergency surgery for his appendix on February. We just received his EOB and it says denied because the provider didn't pre authorized the service and that we shouldn't be billed for it. The bill is $37,000. Our insurance is through Aetna. What does this mean? Do we really not owe anything? Or will the hospital still bill us? TIA Unable to call insurance since they are already closed. Edit: The hospital is in network.

Location: North Carolina Ill glve you guys the short story. Was in wreck back in November. Not my fault and my car was totaled. Called the other parties insurance, they gave a story that the other person didnt have insurance since August. Went to my insurance to file the claim and my insurance was lapsed due to failure to pay. I was behine 2 months. So they dont want to fix my car. I still owe 20k on my car. Anything that i could do besides let my credit take a hit?

My son has two insurance policies, one with me and one with his Dad. Both plans are with BCBS. Dr office called to tell me they can't run the claim because BCBS website is showing that he is inactive on Dads plan. Dad says plan should be fine. So no idea why the Dr office is seeing that. I asked if they could just run it under mine and they sad it won't work because Dads plan is inactive and the my plan won't pay until it's resolved. This doesn't make sense to me. Why would it not process with my plan just because Dad's plan is inactive? Wouldn't this be the same as my son only having one insurance plan now and run it without the secondary attached? Can someone break this down for me?