Save your money and think twice before choosing Co-operators for business insurance or anything else they offer. You could be a loyal customer for over 10 years with no missed payments, but the moment you inquire about opening a claim, don’t be surprised if you get a call weeks later saying your policy is being cancelled. Do your research and consider taking your business elsewhere.

I had a home claim, and State Farm issued a check made out to me, my mortgage company, and the down payment assistance program I used. I had both parties endorse the check (which was already kind of tedious process that took 2 weeks) and now US Bank says they won’t accept the mobile deposit because the payee doesn’t match the name on my account. I called customer service to explain, and they said US Bank won’t accept deposits unless the account names match. I did call after regular hours so maybe it’s an overnight service that has bad info. But surely 1) this isn’t a particularly unique situation and someone at US Bank has to know what the protocol 2) the standard here can’t be that I have to open up a bank account with both the down payment assistance program and my mortgage holder, can it? I feel insane that I can’t find any info about this online, so I’m hoping that means there is a way. ETA: Ended up having to mail it to a branch! But for future readers, no, you are not expected to set up an account with you and your mortgage lender, thank goodness!

My car insurance was already extremely high (young driver, NYC), but my policy is set to renew after this month and I just got a notice that it’s going to be even higher. I called Geico customer service to ask what changed, especially since I hardly ever drive anymore (I began driving because I went to college out of state and enjoy the occasional trip to nearby states) and the last time my policy was adjusted, there was a big drop in the payment. Plus, I’ve never been in an accident and don’t have any tickets. The answer I got was that essentially, car insurance is up in New York State, and the adjustment reflects that. I can’t comfortably afford my new insurance rate, and my car is financed, so I’m not really sure what to do. Please help! I checked some other providers, but the quotes were much higher. Over $1,000 per month, so that’s absolutely not an option. Has anyone ever been in this situation? Honestly, since I don’t drive much anymore and NYC has the MTA, I’m willing to give up my car if it’s possible, I’m just not sure if that’s really an option?

I got involved with them on my 18th birthday, which was in November. I left at the end of December and told them I was moving to Houston. I got the life insurance policy when I joined since it was required, and I canceled it yesterday. Today, I got a call from the agent who recruited me. I told him I couldn't talk, but he said the contract required me to keep the life insurance policy for 17 months. I hung up, blocked him, and called my cousin since he also joined at the beginning of 2024 (recruited by the same person) and left shortly after. He canceled his policy as well. I told him about the call, and he said the agent called him too when he canceled his policy, telling him the same thing. He told the agent he didn't want it, and the agent said he would be sent to collections or something like that. I don't know if that's true but I don't know what to do.

Hi All, I'm hoping you can help me review my options and come up with a plan for a recent unexpected (and I believe inaccurate) medical bill. I get annual cleanings and other routine dental care (e.g. 1 set of x-rays a year) for free under my dental plan. I have just recently gotten off of my parent's insurance and onto my own plan so I made sure to double and triple check both on my insurance provider (Cigna)'s website and on Zocdoc that I was booking an in-network appointment. At my appointment, however, I was seen by a different dentist than the one I booked with who ended up being an out-of-network dentist. I was surprised by a $400 bill from Cigna, which should have been $0, several weeks later. A fruitless chat with a Cigna rep led to them reprocessing my claim, even though I knew it wouldn't do any good since the information submitted by the dental office showed that I was seen by the out-of-network dentist. A week ago the claim was processed and my bill went up to nearly $1000 because they say the facility is out of network. It is not, and I have a screenshot from Cigna's website showing it isn't. Anyway, I'm feeling a bit lost about how to proceed. I know about the No Surprises act but am not totally sure how I would go about using it to my advantage here -- I do have the original emails showing that I booked my appointment with a different provider than the one who saw me, but am not sure how I can communicate this to the right people. Any advice about next steps would be very much appreciated! TIA for helping me figure out how to move through this. EDIT: In my 20s, live in NY State, insured through employer.

I was previously with ManyPets and paid about $64/month for my pet’s insurance. Now that ManyPets has discontinued its US operations, my policy is being transitioned to Odie. However, under this transition I’m forced to pay $71/month for a plan that only offers a $20k annual limit at 90% reimbursement. What makes it worse is that new Odie Direct customers can get a policy for $37/month with a $40k annual limit—but of course, switching to that means starting a new policy (with waiting periods and loss of coverage for pre-existing conditions). I had no say in this change, and I’m feeling like I’m being unfairly charged more for lower benefits. Has anyone else experienced something similar? • Is there any legal angle or consumer protection law that might help contest these changes? • Should I try negotiating further with Odie or consider switching to Odie Direct despite the downsides? • What have your experiences been in situations like this? Any insights, advice, or similar stories would be greatly appreciated!

Right after the hurricane, my car insurance with Nationwide went up to $220/mo (was $150). They told me it was the best rate they could get for me...yeah right! With a late fee of $30, I have been paying $250/mo! I just went with progressive and am back down to $150/mo with good coverage...200 deductible, car rental, roadside, etc. Nationwide was a total rip off.

I’ve been using it for my dog for a few months now and I’m starting to feel uncertain about whether it’s the best option. The claims process has been much slower than expected, with a lot of in review updates and I haven’t received any reimbursements yet. It’s making me a little nervous especially since my vet bills are starting to stack up. I’m just looking to see if others have had similar experiences and whether you think I should stick it out or switch to another insurer.

[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.

In April 2024, I had a couple of procedures done, such as fillings, cleanings, root canals, and crowns. I was pregnant at the time, so I had to delay the crowning, but I had the imprints done beforehand. At my consultation appointment in April, my dentist reviewed the treatment plan and the costs. I knew that I would have to pay out of pocket for some of these procedures. When I went in for my first filling and root canal appointment, the office told me that my dental insurance didn't cover some of the costs. I knew this and was okay with whatever the updated pricing was. Paid $606 for the first appointment, and went on with my life. At the second appointment in May, I went in for the crown imprint, and at this appointment, I paid off the remainder of the treatment plan cost before I even got the services done (with the updated pricing that my EOB said wasn't covered). I paid $552 out of pocket. Several months later, in April of 2025, I kept on getting these calls with no sensible voice messages saying "this is a debt collector". No effort was made by my dentist over the year to let me know of this balance. I checked my dental insurance claims, and the claim was rejected for code D3910, which I knew was already rejected when I went in for my last appointment. Now I am confused why my dentist is saying that the insurance rejected it when I already paid off my balance. What should I do, and am I liable for the debt? Should I speak to the debt collector or the dental office? This was in California, and the insurance is with United Concordia. Not sure if this matters.