Location: perth wa Last year my partner got rear ended in march 2024 while they were on the way to work. Got admitted in Fiona stanly for three days to do test and scans and lodged the claim with insurance commission of wa . They kept asking documents and stuff for 4-5 months yesterday (after 1 year going back and forth)got payed $787 from insurance commission as one of payment as a loss of salary while they are still not capable to be back to work. Is it worth proceeding it with legal ways to get compensation for the loss of salary. Salary was $950 average a week. Thank you

A couple of months ago I was involved in a small fender bender. I turned right leaving a parking lot, which ended up being a right turn only lane and I needed to go straight. Naturally I began the process looking to merge left. The lane to the left was a turn right or go straight lane. I am looking into my left mirror to see if I have space to merge while also seeing which cars are turning right as I would have no other choice but to make the right turn if there was no opportunity, to avoid a T-bone like situation I notice plenty of space behind Vehicle A once they passed me up. As I am looking at my mirror, Vehicle A speeds up and doesn’t have their turn signal on, meaning they should be going straight. I slow down so they can pass me up and all of a sudden Vehicle A decides to make the right turn abruptly as if they were late to something. They did not see me, but I saw the car, beeped, and did my best to turn along with Vehicle A to mitigate any damage. We collided with typical fender bender cosmetic damages. Within 3 minutes between collision and pulling over, the drivers dad shows up out of nowhere and does the majority of the talking for her. He was saying things like “it’s up to you if you think the hassle of going through insurance is worth it” which I took as discouraging going through insurance because they felt they were in the wrong. The cop pulls up and is very quick to deem me at fault without any major details (Vehicle A had police plates lol). Cop gave major attitude when I asked how I can retrieve the traffic camera footage as it captured the incident perfectly. I also was not cited for anything. I was able to retrieve the traffic camera footage and submit as evidence to Vehicle A’s claim. I was on the phone with the adjuster as she reviewed the evidence with me. She told me it was most likely going to be deemed double fault for “unsafe lane change” and the opposing drivers failure to indicate a turn signal which the footage showed. I understood and was told I’d be contacted before a decision was made. The claim was closed mid February and I was never contacted, so I assumed the claim was denied. Today I reached out to the adjuster to verify and was told the case was closed and I was 100% liable for “unsafe lane change”. I inquired as to what caused the change from the double fault I was told about to this, and was completely ignored in the adjusters reply as she just stated that she’d resend the letter. The letter is very minimal and doesn’t mention the cause for liability. I am livid that the driver gets to walk away with nothing on her record for her negligence. I understood no matter what I’d be affected, which I didn’t agree with as the wording makes it seem like I hit Vehicle A as I merged to the left lane when Vehicle A made the right turn that ended up hitting me. Is this just a poor insurance company or is the lack of communication common with insurance claims?

Was in an accident 2 weeks ago, brand new (to me) car and havnt even made the first payment. the at fault driver had an expired "limited term" drivers license. after police report and information exchanged i have been given the runaround by his insurance claiming that they cannot reach him for a statement so they will deny and close the claim. is this even legal? do i need a lawyer like right now? Thank you everyone for the replies, sounds like i was overthinking alot of this. proceeding with my insurance company to let them go after him or his insurance company and just have the car back.

I have a health plan with Aetna, and for specialist office visits, the copay is $65. For outpatient diagnostic testing, there is no charge, no copay, and no deductible applied. I went to my specialist's office for a blood test with a nurse, without seeing the doctor. A few weeks later, I received a bill from the doctor's office showing that I owe $65. I called my doctor's office, and the finance department said they billed using CPT code 36415, which is correct. Then I called Aetna, and a representative said, "Because the lab is an in-house lab at my specialist's office, if I go to a doctor's office for outpatient diagnostic testing, the $65 copay applies since I received a service from the provider." Is this correct? I had blood work done at other specialists' offices last year without seeing the doctor, and I wasn't charged the $65 copay. Did Aetna change their terms this year? Has anyone had a similar experience? Is it normal for Aetna to categorize diagnostic testing done in a specialist's office as a doctor's visit?

I have read some prior threads for this but they are from a year ago and I'm curious if there have been any changes. Background: I have had UHC and used Optum for my specialty pharmacy for years. My specialty medication is a biologic with no generic equivalent. The manufacturer provides me with both a copay card and a payment card. My deductible has consistently been met in January every year using the payment card, and then the copay card picks up the copay for each month for the rest of the year. Situation: This year, the manufacturer payment card was processed as usual and applied towards my deductible, however, they went back a few weeks later and reversed it from my deductible. When I called them, they said nothing has changed and the payment card, as a form of manufacturer assistance, cannot be applied towards my deductible, despite that having always been the case. Based on what I have read about an HHS ruling, they are required to apply this towards my deductible as there is not a generic available. I filed an appeal and was denied. My employer plan is likely self funded, but from what I have read, that should not matter. Has anyone gotten a resolution to this issue?

I've been a loyal Farmers/Foremost customer for 10 years, claim free. But when I had interior drywall damage, they wouldn't cover anywhere near the cost of the repairs. I gathered three quotes, but the Farmers Rep said they were all "unreasonable" and suggested I keep looking for cheaper options. My rep told me he basically punches numbers into a computer, and that spits out the estimate. He doesn't actually talk to contractors, just does "what the computer tells him". Anyone else experienced something similar with Farmers or other insurance companies? If so, open to sharing about it?

My parents applied for health insurance through Maryland Health Connection, and were told they were eligible for an advanced premium tax credit. Now that they are doing their taxes, it appears that there was a large overestimation of the amount on the premium tax credit they were eligible for, resulting in them owing about $15,000 in taxes. If this is the fault of Maryland Health Connections for overestimating the amount on the premium tax credit they were eligible for, is there anything that can be done about this?

I had Bristol west insurance and found a better price for auto insurance. I called Bristol west and told them not to renew my policy and have me removed at the end of my policy. Turns out they completely canceled effective the date I called. I received my refund they owed me and thought everything was good. Til I started getting emails and mail from them saying my renewal fee is due. I’m not paying it because I was told my insurance was canceled. I just hope it doesn’t affect my credit because of a payment I’m not responsible for. Anyone else have this issue??

Hi everyone, I’m 24 years old and have been under my moms auto insurance (geico) since I was 19 years old. My bill initially used to be $175 however after my mom got into a car accident it went up to $230. Unfortunately I had an incident in October 2024 where I fit a pedestrian (he’s okay) and now I have to pay $450 monthly. Is there anything I can do to lower it ? I don’t know 100% that the insurance went up because of the incident that I had but I’m assuming it’s because of that. I tried getting quotes at other insurance companies solo however they’re quoting be about $400 monthly for insurance under my name alone. Can someone please give me advice

I have a 2yrs old terrier mix and got his insurance through Lemonade when I first adopted him 10 months ago. He was nervous when I took him to the vet for the first time before I got his insurance, so the vet recommended Trazodone, but I declined because he was okay at home. He started developing anxiety around noises, people, and other dogs 1-2 months after I got Lemonade, and I filed a claim after seeing the vet. They denied the claim, so I appealed by having the vet send them an email saying that his social anxiety is a new condition that had developed recently. They did not take that and denied the appeal, saying it was a pre-existing condition. He has to be on multiple meds and needs behavioral training, and I’m very frustrated. I know that other insurance companies won’t cover any cost for his anxiety at this point if I get a different insurance. Still, I don’t want anything like this happening in the future(I read that similar things happened to some other pet owners who use Lemonade), so I’ve been looking into different insurance policies. I’ve read some good stuff about Pets Best and Spot, and I’m trying to decide between them. Does anyone have recommendations? Experiences with those companies? Any opinions are appreciated!