Edit: Total amount that was for the insurance that month was like $400 something. I think around $430. Not sure if that has something to do with it Hey so I had gotten my car back a couple of months ago. To put it short, for some dumbass reason my ass didn't think I would need insurance to take the car off the lot and didn't factor that into it, as the last time I gotten a car I went to a shady shitty dealership which let me drive off with just liability. So I had set myself up with Bristol West. Thing is I did not have the money for the insurance but it went through because I did an option that would collect over a few days. It showed as active for me to collect my car. Anyways immediately like a day or two later, I decide to go with Progressive which was much cheaper and canceled my plan with Bristol by calling them. (I used Bristol to pick up my car but then changed it to Progressive and they took that) After it got canceled I got some mail saying that I owe $110. Now question. I do know that say if you cancel mid-cycle or early they give like a "refund" or don't make you pay the whole amount. My question is, does $110 seem right for literally using them for about a day or so. Keep in mind they couldn't even charge me but it showed my acc as active. Active enough to try and get my car. Does anyone have any experience with this? How do they decide how much to charge you when you cancel, Does it matter when you cancel or they just give you a rate which you have to pay. I just realized that they sent it to debt collections and want it.

I have been a State Farm customer for almost 40 years. I recently was in my first serious automobile accident where the repair costs are around $25,000. State Farm has been hellish to work with and dragged even just the start of repairs out two months. It’s not over yet, but it’s pretty clear I’m gonna end up having to pay a pretty good chunk of that out-of-pocket. The body shop tells me that most namebrand insurance companies are difficult to work with. He suggested one of the high-end brands like Chubb or Pure. The more I think about it it seems like I could go with a low rate company and for that once every 25 year incident just pay for the repairs myself. As long as I have injuries and liability covered, it feels like I would come out even. My question is this. Should I go with a different company that is more white glove service like Chubb? Or should I find some cut rate company where I at least know up front I’m going to have to pay out-of-pocket for an repairs like this but save money and headache in the long run? Or should I just stay in the middle with SF? FYI, I do have good umbrella coverage too.

I brought my 2022 Low Rider ST (model FXLRST) down to Florida for Daytona bike week, and unfortunately I was hit by a Ford E450 and my bike was totaled. When progressive calculated the motorcycle’s value they used JD Power and with “standard” equipment they said my motorcycle is worth $16,040. However, if I were to select “options” I’m able to select all standard equipment that isn’t optional and it increases my motorcycle’s value to ~$18,300. That’s a significant difference. The “optional” equipment in question are things like a full fairing, oil cooler, cruise control, high performance exhaust, security alarm, saddle bags, and a standard suspension. All those aforementioned features come on the bike straight from factory and are in fact not optional at all. They are as standard as A/C and AM/FM radio in any modern car. The bike just comes with that stuff and that price of those things are factored into the MSRP. This is completely separate from my accessory coverage to cover things like a custom seat, better headlamp, new foot pegs, flat out crash bar, etc… those are all aftermarket and wouldn’t count towards the base price. I’m aware of the difference and am not talking about those items. I’ve forwarded my bill of sale to show that none of those features were options that were installed at the time of purchase and any field adjuster could with the help of a service professional could identify every feature on the bike. So why is Progressive so confused? Where is the disconnect?

We were rear ended by an uninsured driver. Had to file with our provider which is USAA. Today we got the repair estimate and the car is being deemed a total loss. All it needs is a new rear bumper and an exhaust. Repairs after our deductible are $700ish. Looks like the payment to us is $280. We're freaking out a bit. His car is older. It's a 2010 Foed Escape with 150k miles. We knew it wouldn't be worth much but $280? After searching around in our area, they are going for around $3k. Is there anyway for us to keep it and fix it ourselves? My husband is a mechanic and can get all this fixed for less than $700 easily is there anyway to do this without getting a salvaged title? If not, what are our options with insurance coverage moving forward? We cannot afford to buy another car right now.

Hi, yes a throwaway account cuz im a bit nervous So starting a few weeks after changing insurance providers, the pharmacy accidentally (?) put some meds on the wrong insurance(multiple times tbh, and the last one was over 6 weeks after the insurance had been stopped?!) . i get a notice maybe a month later saying i owe them quite a large sum of money. I go back and forth for about half a year before i was able to get a check from my new insurance to cover it. It isnt even the whole amount, but it helps. Now im so frustrated w the old insurance for putting us thru so much hassle. I tried to do a payout w them for like half the amount for all the trouble and after their review, they denied that request. But what if i were to let it go to collections and then do a lump sum payout with them? Any ideas how badly that would affect my credit? Im floating typically around 800 so i have decent credit. Or does medica debt even count towards credit score? I feel like i cant find a solid answer to that…im in the midwest usa for reference. Or even, what am i mot considering by doing this? I could def use the extra money, this whole situation was not my intention. It was rly super stressful tbh. Thoughts? Thanks everyone in advance! Any suggestions advice etc welcome.

I was following up with Humana dental for a denial of a filling of $482 The filling was on a tooth that had a partial crown that fell off and had to be recemented. Their policy now is if you have a tooth with any type of crown; full, partial, or onlay, no matter how old, they will not cover a filling in the same tooth.

I use Allstate, and currently have two cars on my policy, and am happy with my rate. I just traded one of the cars in for basically the same car, but the smaller version with fewer options (mostly luxuries, it has all the safety features). It is worth about $3,000 less than the car I traded in. When I called to make the change. They told me it will double my premium. No changes to any aspect of the policy, coverages, etc. A less valuable car. I cannot find a single reason my premium would increase at all, much less double. Anyone have any ideas? UPDATE: Thank you all for your input. I’ll never know the answer to what they were thinking because I immediately called another (well known, reputable) company and within 15 minutes had a new policy that’s 30% less than my ORIGINAL policy was. UPDATE 2: To the people who are digging in on “statistically it must just be more expensive to insure,” just…no. Aside from the obvious fact that no significant differences exist from one year to t

Location: Ontario,Canada Background: February 2023, I had been working for three months at a manufacturing shop when a new welder was hired. He came in with no mig tickets, but had 10 years of experiance welding stick. My first mistake was trusting this guy because of his "experiance". My second mistake was agreeing to help him when I was still new to welding. I had my mig tickets at the time, so my foreman asked me to tack up a train part while the new guy held it up. I had everything ready, than I had a gut feeling something bad was about to happen, so I turned around to grab some clamps. He let go of the steel plate... HE LET GO OF THE VERY HEAVY STEEL PLATE! Next thing I know the old guys I work with are rushing over, getting this part out of my boot and off my foot. Yes I was wearing steel toe boots, but the plate feel off the table at an angle and slid under my steel toe plate. The guys ended up sitting me down as I passed out. When I came too, my formen drove me to the hospital where I had to get the bottom of my toe stitched up because the pressure blew the bottom out. Doctor: Imagine your toe is an ice cube. Now smash that ice cube with a hammer, and that's your toe. I whent to work the next day because I'm stupid and figured it would show my dedication to earning an apprenticeship and show them I was willing to work through anything, even pain. The bones in the toe kept spreading, so I ended up getting constant infections causing me to need the first section of my toe removed about 6 months after the initial Injury. After my first surgery I noticed what was left of my toe was turning black and the bone was visible. They tried taking the dead skin off and giving me two stitches unmedicated, but the toe kept dying. I ended up getting the rest of the toe amputated. I've had a C-Section, and I'd much rather have another one, then going through a toe amputation again. That's how much pain I was in. I was off for 10 months. I got paid medical leave through WSIB, but I lost 10 months of hours, 10 months of traning, my tickets expired, they refuse to give me an apprenticeship now, I have to bag for jobs. My question: Do I have the right to compensation? I'm 27, never getting my toe back and my feet are in constant pain. Favoring one foot is causing the other issues. It's a back and forth battle. Because I'm young and have to still work on my feet for the next 40+ years, the doctors don't know how my feet will hold up. I'm not looking forward to the future and my mental health crashed because of all this.

I had signed up for trupanion pet insurance after reading good reviews. Now my dog had a CCL rupture and needs surgery. They refused to cover ANY costs because they classified limping as a pre-existing illness. After my vet send them a lengthy letter (as seen in picture) they STILL denied coverage saying they do not cover any CCL injuries that occur within 18 MONTHS!!!!!! Absolute waste of time and money. My vet hates them too. Have cancelled my subscription.

I attempted to enroll my wife in a Pennie health insurance plan with a July 1 start date, even though she won’t physically arrive in the U.S. until July 8. She’s entering as a lawful permanent resident, and as I understand it, that status only becomes official when she enters the country and gets the I-551 stamp or green card. When I called Pennie, I expected them to tell me to wait until she arrived. Instead, multiple reps told me I could start her coverage as early as June 1. They said as long as I uploaded her green card by the September 18 deadline, everything would be fine. At the time, I followed their advice. But now that I’ve gone through the actual policy language from Pennie, I’m second-guessing the whole thing. From what I can tell, coverage can’t legally begin until someone is lawfully present. That would make July 1 an ineligible start date since she won’t even be in the country until July 8. It also looks like coverage normally starts the *first of the month after enrollment,* which makes me think August 1 is actually the soonest possible date. So now I’m stuck wondering what happens if I submit her green card later and it clearly shows that she didn’t become eligible until after the start date I selected. Will the system flag it? Will coverage be denied or quietly canceled? Do I need to withdraw and reapply once she arrives? I’m looking for input from anyone who really understands how Pennie processes these kinds of cases—ideally someone with inside knowledge, or a rep who has seen how this plays out in practice. Any analysis or clarification would help a lot.