Background: my car was hit in a parking lot 2 months ago. The auto body shop determined car is not repairable. Allstate claims it is. DOI complaint has been filed and I proceeded with claim with my own insurance company. Now Allstate wants me to pay them back for the rental they were providing. Is this allowed? Can they charge me??

My dog is 7, I've had her on Nationwide's comprehensive plan since she was 6 months old (they reimburse 90% for anything performed or prescribed by a vet after hitting $250 deductible), and of course I've heard the stories about older-ish pets on these old plans getting dropped without warning. I'm trying to prepare for us getting dropped, I'm just still very undecided as to our next best option. She has a history of bilateral ccl tears and we did tplo's on both legs. She will probably have arthritis because of this plus any potential hardware removal necessary (no problems so far, I just know it's a possibility). Besides that, she (knocking on all the wood) hasn't been diagnosed with any chronic conditions. I've been looking at AKC since they cover pre-existing after 365 days, and I want to get her signed up fairly quickly so we can start the clock on 365 days, plus I think I read that they don't take dogs on that plan 9yo and up. But even AKC's plan lacks a lot of the preventative coverage I have now, even with the add ons which do increase the premium quite a bit. I know i always have the option of putting my would-be premium into a hysa every month and just paying for everything myself. I'm just so scared of getting hit with bills that will outpace my savings. Has anyone else been in this situation and found a good alternative? I know I've been a little spoiled with nationwide, but I did sign her up early thinking I would have her covered for life. Thanks in advance!

I just got car insurance for my new car and I got a letter days later saying they were missing a “signed application” from me. What does that even mean? I then called the customer service line and they put me on hold for an hour so I gave up. This was first acceptance car insurance

hello! i know my issue isn't major, but I need help as I am desperate to solve this. Long story short, I had medical for the longest time and never had any issues until January when I was informed (when trying to make a dentist appointment) that I had a UMR blockage. I was confused but was told to call medical and get it resolved. I called them and they said to get in touch with UMR whcihc I tried but was beyond useless as they ask for a member ID which I stated multiple time I DONT HAVE, and after somehow bypassing the answering machine UMR tells me they have no records of me ever existing and to basically die in a ditch as they just hunged up on me. I explained this to medical, and they made me fill out a form to remove "other healthcare coverage," and it should be removed (I did this twice, btw). It in fact was not as I tried to make a dentist appointment again and same thing: "UMR blockage. please take this up with medical". I called medical again, and they gave me a case ID and told me to ask UMR for a "coverage termination letter," which I tried to do, but again, they told me, "We don't know you we can't do anything" and hung up on me. I explained this to Medical, and they filled out a form (the same one I did), and it should be resolved, yet I don't know if it actually be. Also, worth to mention one of the workers I spoke to told me that the UMR policy I was under was my uncles, whom I have had no contact since like five years ago and have no connection with at this point, the alleged policy began in 2023 so I don't understand how this even happened:C when I tried to report the fraud to medical they said "you cant report it here, report it to UMR and then we could try to remove the block because until then we cannot remove an active policy by law" But UMR has been beyond useless and I'm scared because I have a cavity and I know its not serious but I am afraid it could get worse Im just trying to see if anyone was in my same situation (which is very unlikely) or if I could get any recommendations on what to do because I don't know how to proceed anymore and this just pmo. Anyways thank you to whoever read this and pls help

Hi, I recently adopted a 1 year old retriever mix and he was limping so we had to get him checked, turns out the doctor said while playing he might have hurt himself and he will recover in 2-3 months but now I was planning to get insurance from SPOT or ASPCA , they have specifically written knee and ligament conditions are pre existing forever so for example if my dog gets arthritis later in his life, would that be a pre existing condition? I am trying to find the insurance for my dog, I had pretty bad experience with FETCH so definitely no FETCH for us. Can you let me know what's the best insurance I can use to insure my dog given this curable injury is not considered pre existing for any bigger condition.

I recently settle down with Geico for an auto damage cost and they sent me a link where I can put my banking information for direct deposit, despite verifying with the bank about the entered information being corrected the website still shows "please verify the information for accuracy" I even used a family members card which didn't work, so then they automatically issued a check which never came despite being more than 10 days, I called them again and they said there's nothing they can do but issue a new check or redo the direct deposit which I did and still failed to verify the banking information, I suspect this is a system error, I'm currently waiting for the second check but I'm very anxious whether the check is gonna come or not? What should I do in this situation. Geico isn't able to track where my check goes

Hi. I have to decide whether to accept or reject a lump sum offer from long-term disability insurance. I ran some numbers and after taxes, I think the lump sum offered is equivalent to almost 9 years of monthly benefits. In this math, I reduced the monthly benefit by 35% because I think that if I turn down the lump sum, I will have to get a lawyer to help me through whatever else the insurance company will try to do to reduce or deny benefits going forward. I had to appeal a denial a few years ago and back then, disability lawyers were taking about 33-40% of benefits. (I had decided to pay a flat fee for help with the appeal only.) I became disabled at age 30 so I have quite a long ways to go and don’t know if I have the mental, emotional, and financial resources to get through another denial. I still have PTSD from that period, which was also during COVID. Even though I don’t see how I could suddenly start making money, I feel like at least the lump sum is a sure thing. If I reject it, what kinds of things will the insurance company do for the rest of my benefit period in order to balance their books? I am especially worried about extra uncertainty with SSDI. If my SSDI payments get cut, my long-term disability insurance payments are supposed to go back to the pre-SSDI amount, which is more than double what they’ve been paying since offsetting for SSDI. If this happens to a lot of people at once, what kinds of things will the insurance company do? Right now, rejecting the lump sum feels like I would be subjecting myself to a scary black box of strategies to reduce or deny my benefits. I appreciate any information that could help me make a more informed decision. Thank you!!

Basically was hit by one of their insurer. They never paid for an extension for the rental, I’m trying to get it to me but now my adjuster has been changed and never got back to me. Did a dismissed claim and it’s been 3 weeks now and I never got anything back. For the rental, they’ve been trying to wire but never went through. Now the other adjuster has to call me and never has in 4 business days. Is USAA this terrible

Location: Houston, Texas On July 15th 2024, I was involved in an accident with a driver. It was a two-way street and I was at the middle crossing section ready to yield to the street I need to go. I noticed a driver coming out from the plaza and looked like they are waiting to cross to the street where I was coming from. Before yielding, I made sure no incoming cars and safe to go; attempted the yield. As I turned, the car from the plaza crossed the street and a collision happened where my front hit their side. Police was called but no report was made as they said it was minor. The other driver insisted the police to give me a ticket but they didn’t and sent us home after we exchanged insurance. After that, I did all my obligations with my insurance company and they denied claims from the other driver as they said it was not my fault and I had the right to yield. Fast forward to now, I received a paper said I’m being sued for personal injury but in remember the police asked the driver questions to determine if the driver need medical attention and the driver said no. I contacted my old insurance right away to inform them about the sue paper. I don’t know what to do from here.

I was in an accident May 2023 and my license was suspended on August 29,2023. I was at fault and I wasn’t insured (I know, totally my fault). I haven’t been called into court. So far I’ve only had debt collectors call me to have the accident paid for from State Farm for $15,322. I was searching on the Texas DMV site on ways to get my license reinstated and these were my options: 1. Notarized Installment agreement Form SR-19 OR 2. Notarized release Form SR11 OR 3. Proof of insurance covering date of accident OR 4. Security deposit with an SR-22 and SR-22A OR 5. Copy of Bankruptcy OR 5. Evidence of settlement OR 6. Form SR-60 if two years have elapsed from date of accident OR 7. Apply for an occupational driver license I’m thinking about the SR-22 but I’m not sure on how much the security deposit would be. But I was also thinking since it’s about to be two years since the suspension went into effect. Would I need to wait ANOTHER 2 years if I decided to go with the SR-60?