I’m going insane trying to get my dental benefits sorted out with Cobra. I paid my Cobra on 3/8 (first month) and MetLife made my plan active, backdated to 3/1. On 3/12 it was canceled again. 3/15 active again. 3/17 canceled again - MetLife said call Cobra servicer. Servicer sent in a reinstatement and it was active again on 3/19. I log in today and it’s cancelled 3/24 AGAIN. I paid for a month of benefits and I haven’t even been able to use them. MetLife acts like it’s the servicers fault. Cobra just sends in reinstatement notice. Repeat. What do I do in this situation? I have oral surgery in a month and god only knows if it’ll be active or MetLife will decide to cancel it on that day. How do I go about escalating this?

I wanted to share our ongoing battle with CNA Surety. Contractor licensing bonds are supposed to protect homeowners by ensuring that contractors meet their obligations and pay out when they don’t. But here’s the problem: CNA Surety claims they have no duty to investigate or pay out unless there’s a court order—meaning you’d have to sue and win in court first before any funds are released. This issue is now under review by the California Department of Insurance, which is conducting a broader market review. Redacted snippetof their stance: [CNA's Stance](https://imgur.com/a/xVNebbg) Has anyone here ever actually received a payout on a contractor licensing bond claim? What do you think is really going on with this practice?

hello. i posted about this before, but three weeks ago, a drunk driver hit me and totaled my 2016 subaru. we just got our bill (to be paid by his insurance, all state): around $9,500, and an additional $1,000 to $2,000 with a rental. i need to go over my belongings for damage, but i had a $600 dog kennel (gunner) too: waiting on an email to see whether or not this needs to be replaced like children's car seats. his insurance wants to fix it, not replace it, although we only bought my subaru at around $10,000 (we spent a few thousand on repairs, but not anything big: my parents wanted new brakes for peace of mind). how badly will a rebuild that large damage our ability to sell? should we fight it: and how do we? we live in colorado.

Hey everyone, I’m considering getting MetLife Pet Insurance for my dog but I’m so confused about whether it’s actually good or just a waste of money. I’ve heard mixed things and want real opinions from people who have actually used MetLife pet insurance. Does it cover enough? Are the claims process and customer service decent? Or is it just another insurance company that makes promises but doesn’t deliver? I’ve been burned before with other pet insurances that seemed great at first but then denied my claims or had crazy restrictions. Looking for honest reviews about MetLife pet insurance — did it help with vet bills? Was it easy to deal with? Any tips or things I should be aware of? Thanks in advance, pet owners!

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!

Healthy Paws Deleting Comments re: Massive Premium Increases on Instagram.

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’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.

I have a Chase credit card that I rarely use. The account is set to auto-pay and usually, the only charge each month is a single subscription for which that card is set up as the payment method. I recently logged into my Chase account and noticed that I am being, and have been for years, charged $16.99 a month for an HBO Max account. This totals in the ballpark of $1,000. Here's a brief summary of what's happened so far. **Background:** * I had been subscribed to HBO Max years ago, but I was pretty certain I had canceled that subscription around 2020 * Still not wanting an HBO Max subscription, I logged onto my account with the intention of canceling it * As I had originally expected, my account did not have an active subscription * I then attempted to log in with all other email addresses I have, but none of them were associated with HBO accounts **What I've tried:** I contacted HBO support who attempted to locate the account. I shared: * All known email addresses * The account information of the card being charged * CC statements showing the charge on my account HBO support was unable to locate any active account associated with that payment information and then basically washed their hands of the matter. They instructed me to dispute the charge with my financial institution and have not given any guidance on how to move forward with HBO. This doesn't feel right. Given the fact that they can't locate the account, it seems to me that they have been erroneously charging me for an account I don't have for years. I would certainly like that money returned to me, and it doesn't feel like my financial institution should be responsible for this. Granted I should have paid closer attention to my financial accounts, but I was being charged for a service that I didn't purchase and that was never provided. **My question:** What course of action would give me the best chance of getting all, or at least some, of my money back? Should I pursue this with HBO further, file with a consumer protection agency, or just dispute with Chase?

About 3 months ago, I got in a car crash where the car got fairly significant damage (I oversteered into a tree). I notified both the local police department and Hertz about the crash, got incident reports from both, and moved on with my merry life (after getting a replacement vehicle from Hertz). I got emailed a request to fill in a vehicle incident report from Hertz, which I submitted the day of receipt. Now here’s the thing: I didn’t have any insurance from Hertz, relying on secondary insurance from my credit card. I don’t own a car, so there’s no primary auto insurance to speak of. My credit card insurance provider requires claims to be submitted within 100 days of incident for them to consider them, and they require a statement of claim from the rental agency in order to submit claims. I’ve gotten crickets from Hertz in this respect the past two months…and I’m concerned that they won’t provide me with paperwork in time for me to appropriately file the claim. I was *considering* sending Hertz a polite but firm letter using certified mail asking them to provide me with a statement of claim in a timely manner in order for me to proceed with this claim given that I don’t want to wake up to a $20,000 bill from Hertz in half a year or something that my credit card insurance policy won’t cover. Is this a good idea? If not, anything else I should consider? I’d appreciate any advice! Jurisdiction: the car was rented in Virginia with a New York drop-off. The crash occurred in Virginia, and I’m a New York resident.