Location: MI, USA Last month, I booked a round trip with Delta and the flight from Mumbai to Paris, operated by Air France was delayed by 2 hrs due to crew issues. I missed my delta connection from Paris to Detroit and they had no flights going to Detroit that day. I was given the option of either NY or Chicago and I opted for Chicago. Now when I boarded that flight, it got delayed by 3 hours. Wifi in the flight did not work. I missed my delta connection (again) from Chicago to Detroit. -The Mumbai flight crew lied that they would arrange an escort for all 15 odd passengers who have connections through security and ask AF to wait for 30 mins. They lied. AF said no such information was relayed but they did not even load our bags in the aircraft as they know we wont be making it on time. -I filled a complaint with delta —> Delta said reach out to Air france -I filed a complaint with Air France —> compensation rejected due to journeys begins and ends out of EU. [EC Regulation 261/2004] ( I don’t know how it makes sense) - I called customer service —> wont even let me talk to the refund team. When I was stuck in the second flight, I had a chat with customer service and they had offered me 100€ for the inconvenience (which I denied at that point), however now they claim I am not eligible for anything at all. How can I approach this problem?

After a surgery consultation, my doctor submitted a pre authorization request to my insurance, Anthem (North Carolina). I believed it had been sent on March 17th, so I called my insurance to check the status last Friday. However, there was no record of any pre-authorization being sent. This turned into the insurance calling the office, and they confirm it was sent March 24th (so it is confirmed by both the office and the insurance rep who called). Now today, I called to make sure the information had been updated, and that the pre-authorization had officially been received. Once again, they say there is zero record of any pre authorization. This is my first time having to go through this process, and I'm just super confused. I know the expected date to hear back is within 15 days, but I at least thought the request would be on file. I don't want to have to call again, but I'm getting worried that the request won't show up in the Anthem system. Plus I can't schedule surgery until this is approved, and I need it done this summer so the longer this takes the more nerve wracking it is. Basically, is it normal for my insurance to have no record of this pre-authorization request 14 days after it was sent?

Hi, I would really appreciate it if you could provide some guidance. I am in the process of buying a 5 acre property with a 1980 1100sqft permanently attached mobile home. It is so obvious that the value is in the land. I never thought when making the offer that the manufactured home would become such a problem. My plan was to buy 5 acre land build a regular house on it in 1-2 years. Because of the manufactured home I am being hit with high interest rate and higher down payment. I was OK with that. But now the lender requires me to have Full Replacement Cost for the manufactured home. The lender would not accept the only and highest dwelling coverage I could find from Citizens. Citizens provided an RCE report stating brand new full reconstruction would cost $147k, but they would subtract depreciation and allow 25% higher in vaullue. So, that would be $62k + 25% = $78k and the premium is like $2300. Citizens won't go higher on the premium. The lender wants $147k coverage. I am unable to find any other insurers that would even insure the mobile home. I ordered 4-point inspection and the home passed it without any issues. Full roof replacement was just done 1 week ago as well. To me the mobile home is worth $30-40k at most, so the insurance company is right. Why would they insure it for higher anyways. I am purchasing the property as is for $330k. Putting down 25%. So, only borrowing $249k. The land itself is worth $300k+. I do not understand why the lender would not accept my $78k insurance as I cannot insure the land either. I told the lender/broker to be my guess and find an insurance company that would do what they are asking for. Even if they could, I could not even imagine what the premium would be on that case? 5k ? Who would pay to insurance for 40k Mobile home? What should I do?

Hi guys, I used to have Healthy Paws for my cat but wasn’t happy with the service or price, so I switched to Embrace about 3-4 years ago. My cat is now 5 and her current coverage is: $5K annual limit, $1K deductible, and 80% reimbursement. Recently, they denied a claim for a mass removal on her nose, citing a 2022 note about a mass on her thigh—which my vet believed was just a mild reaction to a vaccine that was administered the week prior reaction that resolved on its own (EXACT same location as the vaccine). I’ve submitted a request to review the claim and re-evaluate that pre-existing condition. This is the first time I've had to disagree with their assesment of the bill, and not sure how that will go. But now knowing that they won't cover any masses (including cancer) because of this makes me anxious. This made me reconsider Embrace, what pet insurance do you all use, what’s your coverage like, and how much do you pay monthly? Any recommendations for an insurance that would cover future masses (including cancer) even though she had a "mass" in 2022 that was most likely just a reaction to a vaccine lol.

Townhouse covered by condo insurance. Pipe in the ground(HOA property) breaks, excavation needed to determine the cause and replace the pipe. Insurance denied repairing the pipe due to wear and tear which is understandable,, but shouldn't they pay the excavation which was needed to determine the cause? There was other damage that was covered. Montana condo policy. Back up water/sewer damage coverage on the HOA policy.

So when I bought my first car under my parents insurance I was paying them $200 a month. I had one minor accident, no speeding tickets however I did have window tint tickets I forgot to pay after I sold the car shortly after. Not paying those caused my license to be suspended so I applied for quotes and got crazy responses like $1100 a month from geico. I see ppl here suggest insurance brokers often as a last resort so that’s what I did. Got 2 diff quotes of $411 and $398. Since I had already bought the car and needed insurance asap I took it. But my question is do I really have to pay 50% of the cars value in insurance annually? Is this really my life from now on? Or will it be a bit better now that I’ve unsuspended my license CAR IS A 2012 ACURA TL SH AWD btw Location: NY 25yo male TL;DR: Bought expensive $400 insurance when my license was suspended. Can I get cheap insurance since I unsuspended it 2 days later? Or not because of my one minor accident 3 years ago

Is anyone else having trouble getting State Farm to insure your house for homeowners insurance? I have a fixer upper house with a pool and we fixed the gates and cleaned up around the pool area but the pool hasn't been used in years. Tried multiple times to get homeowners insurance but keep denying.

I have $2500 in pip coverage and over $30k in medical bills. I’ve only gotten $900 in pip coverage. My lawyer said that is the offer from progressive. Why would I not get the full pip amount? I’ve also lost over $30k in income but my attorney won’t submit income loss.

Got into an accident last September and filed a claim back then when it happened. Since then I’ve been scraping together the money for the (1k) deductible. Now i’m worried progressive won’t pay out because I took too long. Is that a thing or do they still need to pay out for it??

I recently found out that there were wrong 'occurences' under my name (list only) in family's auto insurance, which stated that i had two accidents between 2021-2023 "CLUE only". However, I did not have a license nor owned a car (my family only got the car in 2024). We had no previous insurance/cars, so these records were completely impossible and wrong. The insurance company asked me to contact LexisNexis to dispute and update it (because they said all insurance companies pulled that info from lexis nexis and there was nothing they could do to change it). Each time I called them, it was a min of 30 min on hold and when i finally got through to a live agent, they said their system was down so they could not authenticate anybody's ID and asked me to call back 24 hours later. I've been trying for 3 days, but each day an agent would tell me the same thing about their system being down/not able to help anybody at this point. LexisNexis also said that even after customers' ID were authenticated, it'd take 30 days to send a result by mail (another 7-10 days). It was a frustrating experience. Wonder if anybody had similar experience with wrong records from LexisNexis - thanks.