My husband and I are working through paying off our debt. I have a personal loan through OneMain we are wanting to pay off ASAP I got a payoff last week good through tomorrow, but then on Monday I called in and canceled the optional product of Credit Insurance and Disability Insurance. The issue is, the cancelation of those products applied to the overall balance that includes pre-calculated interest, but it did not come off of the payoff amount. I called customer service and they said the payoff amount is basically already assuming the cancelation of those optional products. Does that sound right?

Our older Bernese is insured through Trupanion, which has been very easy to work with on hi lymphoma. So far they've covered chemo really well, and we're even considering a stem cell replacement therapy (which costs $75-90k) and it seems like they will cover that as well. We are thinking ahead for our younger berner, Leela and are going to purchase pet insurance for her. Trupanion has been great for Jackson, but for some reason they are 3x+ as expensive as other options ($600/mo for 90% coverage and non annual limit). We're also looking at Figo, Pet's Best, pumpkin, and Prudent Pet. Important considerations are unlimited annual payout & a 90% coverage level. Berners tend to get cancer, and we want to make it an easy financial decision to get her the best care possible if that happens for her. Do you have experience with any of these insurers (or have others that have been good to work with?) Seems like there are many many options, and would like to avoid picking one now that is difficult to work with down the line. Figo, pumpkin, and Prudent Pet are similarly priced at around $130-180/mo. Pet's Best is coming in way less expensive, $90/mo for a $500 deductible and $55/mo (!) for a $1,000 deductible. Particularly interested in any of y'all who've gone through cancer treatment with these carries. How has it been?

Looking for advice on dealing with an insurance dispute with prior insurance company. In July 2023, a hailstorm damaged my home’s Structural Insulated Panels (SIPs) that had rolled roofing on them. Company initially agreed the panels needed replacement because rolled roofing couldn’t be reapplied per manufacturer installation guidelines. They first classified it under Ordinance or Law (ORD) coverage. Later, they changed their stance, saying it wasn’t ORD, but still wouldn’t move it under Dwelling Coverage. They paid $5k but refused to pay the remaining $8,606 for full replacement. Key points: • Manufacturer guidelines require panels to be clean and debris-free before rolled roofing can be reinstalled — which wasn’t the case after removal. • During demo, water intrusion was found. FBFS says they don’t cover “water seepage,” but there’s no proof it existed pre-storm. • Multiple adjusters were involved. Insurance company hasn’t provided their “expert” who allegedly inspected the panels. • Delays in their claim process (over 1.5 years) worsened the damage. At this point, I’m debating whether to send a letter of intent (basically putting them on notice before litigation) to try and get the $8,606 paid, or just go straight to filing a lawsuit for breach of contract/bad faith. The whole panels had to be replaced because rolled roofing couldn't be reinstalled and needing to get the roof back to pre storm condition. The water intrusion found 1.5 years later has nothing really to do with the initial insurance coverage in my opinion. Has anyone dealt with this or a similar situation? Did sending a letter of intent work, or did you have to sue to get results? Will they say fine okay it'll cost us more if we do get sued even if we win and decide to pay the $8606 instead? Next, even though they closed the claim, I'm filling another complaint with the states department of insurance.

Hi, I’m looking for help on disputing information on my CLUE report. Back in March 2024, in Arizona, US, I was involved in a accident which was deemed to be the other driver’s fault. The payout went out from their policy. We were both insured with Progressive at the time. When I first called to report the accident, Progressive opened a claim on my policy, I wasn’t aware it was on my policy at the time, however, I made it clear to them that the other person agreed to having been at fault and gave me their insurance details. When the adjuster first contacted me, they spotted this mistake and closed the claim on my policy with 0 payout and opened a claim on the other party’s insurance, which ended up in a payout of $1400 to me. While shopping for insurance last week, I saw that progressive is listing the above accident as a non-chargeable at fault accident with 0 payout. To get this corrected as a no-fault accident on my LexisNexis CLUE report, I will need to raise a dispute, howe

Nationwide tripled policy and cut coverage 40% Last year they tripled my policy to over $3k, and just sent me a letter saying next year they are cutting coverage to 50%. Been with them for probably 5+ years. I am on a grandfathered plan that covered 90% and wellness, so basically everything (including food since prescribed). To pay triple the rate and then also lose 40% of my coverage is absurd, and they said they have no other options or plans to reduce costs. Monthly costs also only drop $30 which is a slap in the face. Any idea where I can go or what I can do to control costs? He’s a 12.5 year old “beagle” mix for reference and has cushings for background.

Location: New York State I recently moved and set up auto deliveries with Amerigas, mistakenly assuming auto payments were set up as well. On the morning of March 25th, I discovered my propane service had been cut off without any prior communication or notice, leaving my home cold and smelling of propane. I immediately paid my invoice in full upon realizing the mistake. However, when contacting Amerigas, they stated they couldn't restore service within a reasonable timeframe (2-6 days) and refused to allow another company to fill the tank, which I believe violates the Propane Consumer's Bill of Rights. Additionally, they indicated I couldn't purchase the tank, contrary to my Residential Customer Agreement, and didn't provide the Propane Consumer's Bill of Rights in our contract, which is another violation. They also mentioned no notice was needed before service disconnection, which I understand contradicts New York State Heating Fuel Customer Rights. I have been a customer for six months with no prior issues. What legal options do I have regarding these breaches?

"I'm working with an agent who recommended Corebridge, but they charged me twice for my annual Term Life payment. After a frustrating experience with customer service trying to fix their mistake, I decided to cancel my policy due to their poor support. Can anyone recommend a better company?"

Context: Hail Storm on May 3 2024 and it damaged my roof, siding, and gutters. Filed claim with my insurance company Progressive. Progressive approved full roof repair, replacement of gutters, but only approved replacement of siding on 1 side of my house. On the siding my home policy didn’t offer matching so Progressive is only paying to replace 1 side and says to patch damage siding on other sides of my house with siding that will be taken down. Signed contract with roofing company on June 7 2024 for them to do all the approved work. July 2024 the roofing company replaced my roof. Since then, they have not returned to place my gutters and do the siding. I’ve called the roofing company at least once per month to follow up and they say I’m in their Que and they’ll get to it when they get to it. Roofing contractor says insurance companies give 2 years after claims are filed to complete work. Can someone confirm if this true/accurate? What other options do I have? Can/Should I file a complaint with BBB?

My family has Cigna through my husband’s employer. About two months ago I felt like I had the flu, and couldn’t get in with my PCP until the following week. Was told I should try go to urgent care for a flu test and to get checked out. I did, and was in and out in about 30 minutes (flu A positive, sent on my way with some meds). A few weeks later, I get a bill for almost $400 and was shocked. A month later, my son ended up getting rushed to the ER. We were there for about 7 hours under observation after getting some initial meds…. And I just got the bill for that. $150 copay, that’s it. Looked up our coverage with Cigna. It states ER visits have a $150 copay with the deductible waived. For urgent care, it says “after the in-network deductible is met, you pay 10%”. In what world is this right? I thought the whole point of an urgent care was to try to alleviate the stress on ERs. I feel like now I have no reason to ever go to an urgent care… even if all I need is a simple strep test or have UTI symptoms. Is this becoming the norm?

Wondering if anybody has any advice or information they could give me I live in California and have progressive. I made a claim back in January to get a chip fixed with Safelite and that chip still turned into a full crack across my windshield my insurance went up and the deductible to get the windshield replaced was 500, so I decided not to do it Here we are now in July and I do want to get it replaced, but I don’t know if it’s better to just pay out-of-pocket or go through my insurance again with the risk of my monthly going up. Is there a way I can talk to my insurance so that my monthly payment doesn’t go up or should I just pay out-of-pocket. TIA !