I recently had a life event (job) that allowed me to change my plan. I chose blue cross blue shield options, because the doctor I need to get a surgery from is in network with them! As of yesterday the hospital in Dallas is not in contract with blue health blue shield anymore.... would this be enough to qualify for another life changing event? This doctor is one of the few specialists that preform this micro nerve surgery. I heard soemtimes hospitals and insurance companies come to agreement and they will start accepting my insurnace again.

My dad just went through open enrollment and he opted out of employer Medical insurance since he is starting Medicare as of today (he used to have the Medical insurance but the increase in price made Medicare a better choice). He only signed up for dental and vision. I called his insurance company (aetna) just to double check and they say that it shows he has all three: medical, dental, and vision. I told them we didn't sign up for it so they told me to contact our employer so they can update the information. My dad spoke to someone in HR who says that there might be a delay since today is the first of the month and the first day of the insurance taking place after open enrollment. Does this sound correct? Should i give it time? Just trying to make sure everything gets updated correctly especially since my dad signed up for Medicare B with special enrollment (qualifying life event of losing employer insurance so that he doesn't pay a penalty for signing up after 65).

I’ve been paying about 80 a month liability only on one car, added another now it’s 255 this month and 155 from here on out. For context I’m a 24 year old male in NM. I’ve had a good amount of traffic tickets idk how negatively that’s impacting my rates. I have progressive. I always hear about people paying way less than me for liability or the same as I pay for liability they get full coverage for that price. I’d like full coverage but the price would be a lot, if I’m gonna have liability only I’d like it to be nice and cheap. Am I doomed to high prices being a 24 y/o with traffic tickets? Where can I get it cheaper? You always see those insurance commercials claiming super low rates online but I don’t even waste my time figuring it’s bs. I haven’t shopped around in a long time is it worth it to now? Or even better than shopping around, maybe someone here can tell me where and how to get it much cheaper.

It’s a long story but I’ll try to shorten it. I’m not 100% sure how insurance works. My car is under my name but my insurance is shared with my parents. My parents have a few other family members included (me, one sister that is 25, an uncle, an aunt). But my Toyota Corolla 2017 is under my name, automatic payments under my own bank account, etc. I guess my parents own the whole insurance policy but the car is under my name. My bill in December 2024 was raised to $400 (NOT full coverage) They won’t give a clear answer as to why they raised my bill so high. But I let it slide. I saw it as a consequence to our current economy. In february they charged me $825. No clear answer. They gave me unreasonable excuses such as being under 25 (I’m 28), or someone else under the policy is under 25 (no one is under 25). Someone that USED to be on it was under 25 but they got their own insurance under a different company over a year ago. But they used that person as an excuse either way. We even sent proof that they are no longer with State Farm and for how long but that wasn’t enough. We dispute it. They compromised and said I won’t have to pay my “$400 bill” for March. Technically half of $824 isn’t $400 so in the end they won an extra $25 from me. Today they told me I still owe $200 this month and $200 next month. That they’re splitting the $425 between March and April. PLUS they randomly began charging my 25 yr old sister an extra $26 AND used the name of the person who was under 25 on that bill (again, that person has not been with us or state farm for over a year). Does anyone have any idea what’s going on? We’ve never been late on payments, we paid off our cars, we never fight them when they raise our bill (except for this time because $825 a month is excessive). My last accident was in 2022, it was not my fault, I never filed a claim or asked for money to fix my car, I asked for info about my options 2 years after the fact (in 2024) but it was too late to do anything about it anyway. I’m planning to cancel my policy with State Farm but I’m still curious about what is happening here.

I have Liberty Mutual I pay $364 I’m getting a new car and they want me to pay $600 any guidance on who I can try to get the new car insured through? It’s a 2021 dodge charger scatpack. i’m 24

They advertise they never raise rates due to age. I got insurance when my dog was a puppy and in the two years ive had her the rates raised annually from $40 to $50 and now $60. It sure seems like they raise rates based on age, unless you are telling me that vet care has increaed by 50 percent in my city in the last two years. Even in the very email they sent about the rate increase, they said "Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. "

Location: Michigan - Just wondering if this is an appropriate thing for small claims and wanted to hear some opinions as I've never sued anyone before or have been involved in small claims. I was in a car accident on March 11. I was not the driver at fault. The other driver involved in the accident was cited for failure to stop (she rear-ended me at a stop light), no driver's license, and for not wearing a seat belt. Her insurance was listed on the police crash report as LA Insurance. Come to find out, she did not have that car insured at the time of the accident. I called LA insurance, and several other companies under that franchise, and found her name and policy, but she had a different vehicle insured and not the one involved in the accident. My insurance company reached out to her, didn't receive a response, and ran the VIN on the vehicle she hit me with, verified that the car was in her name, but did not find an insurance policy attached to the vehicle. I told the police department this and they will be updating the police crash report. Subsequently, I can't file a claim with her insurance because she doesn't have any. I have been encouraged to sue her in small claims court. My car was basically totaled in that accident (it was also an older used vehicle with 197,000+ miles on it), so I leased a new vehicle. Can I ask to receive at least the down payment I put down on that new vehicle? I'm also going to ask for storage fees of having my car at a repair shop as well as the fees to file with small claims. I did have items stolen from my vehicle while it was at that repair shop, but I don't have a dollar amount for them so I don't think it would be appropriate to put those in the small claims case. But I'm really just wondering if asking for the amount I paid as a down payment on a new vehicle would be appropriate. Like I said, I have never done this before. Advice is greatly appreciated!

[Ontario, Canada] Might not be the best place to ask this, but I was unable to find anywhere else. Following a car accident that was not my fault, my vehicle was totaled. My insurance provider, TD Insurance, paid off the car loan, and during the process, the agent proposed deducting my deductible from their payment to the finance company, with the understanding that they would later recover this amount from the other party's insurance. However, almost six months have passed, and I have yet to receive the deductible reimbursement. When I inquired, the TD agent explained that they have had difficulty contacting the other insurance company, citing a recent instance where they were on hold for over an hour without success. As this is my first experience with such a situation, I would appreciate guidance on how to proceed.

Last month, I was unfortunately the victim of identity theft and a scam. A scammer from Nigeria hacked my social media accounts, emails, and phone number. Worst of all, they somehow withdrew $3,000 from my checking account and spent it on cryptocurrency. At one point, they even asked me to send them nudes, which was terrifying. As you can imagine, I have been severely traumatized by this violation. I immediately filed a police report and contacted my bank to report the fraudulent transactions. Despite submitting supporting documents—such as emails showing my passwords were changed and login attempts were made from Nigeria while I live in the U.S.—Bank of America has denied my claim twice, insisting that I authorized these charges based on my purchase history. What’s most frustrating is that I have never purchased cryptocurrency in my life, so I am insulted to be accused of stealing my own money. As a young college student, $3,000 is a huge amount, and I feel furious and helpless. I am considering filing a claim with the Consumer Financial Protection Bureau, but I’m unsure if they can help me recover my money. Unfortunately, I cannot afford to hire an attorney. What are my options? How can I get compensated? I feel betrayed by the bank I’ve been with for 10 years. If anyone has experienced something similar, please let me know.