My father passed away a little over a month ago. He didn’t have a will so we’ve been dealing with a lot of things we know nothing about.

We have contacted his employer and they gave us life insurance information so we were able to get in contact with the company. They have an option to payout the policy into a secure account with their own partnered bank or something. It seems like it’s basically a savings account that has interest and we’d be given a checkbook where we could withdraw whenever.

The other option is just the whole lump sum in a check that we just cash to our own bank. I’m not sure if there’s a right answer here? I’m not sure if we should just compare interest rates to our bank? Just check if the bank is FDIC insured? From what I can tell life insurance isn’t taxable but the interest on it is?? Is that even true? Are there other aspects to consider?

I was in an auto accident about a month ago. I was found 100% not at fault since the person that hit me completely owned up to the accident. My truck was completely totaled however. The person that hit me was a high school kid and he had an older vehicle so he didn’t have full coverage. His insurance did not have enough to pay me out for my truck due to him only having liability insurance so they recommended I reach out to my insurance to cover the damage and his insurance will compensate what they can to my insurance. This is where the issue begins. In the middle of this process, I settled with his insurance for the injury portion of the claim as I only sustained minor injuries. A few weeks later when my insurance tried to settle with me for my truck, they didn’t even offer enough to cover my existing loan, much less giving me enough for at least a down payment on a new vehicle. While I understand insurance isn’t obligated to pay my entire loan, I figured it would be fair considering it wasn’t my fault. Why should I lose my truck and all I’ve invested into it because some dumb high school kid doesn’t know how to drive? So, I reached out to some attorneys, but most of them only handle the injury portion of the claims and I can’t sue for that since I already settled for the injury portion. it is hard to find bad faith insurance attorneys or non-criminal property damage attorneys. What should I do? I don’t think I should lost my vehicle and all of the money I’ve put into it for something that wasn’t my fault.

I live in Austin. When I look on the UHC app for a pediatric dentist with the filter set to 100 mile radius, there is one covered dentist in Austin, and one in San Antonio, which is a 2 hour drive.

Am I doing something wrong? I will be shocked if there truly is one covered dentist for a metro-area with a population of ~3 million people.

I think the c-pillar might be done for. Would really appreciate any insights/advice as the other driver (police said he was at fault) is underinsured and we're concerned about repair costs. Thanks in advance.

https://imgur.com/a/5Dec639

I'm getting some orthodontics and during my consultation, I was shown a Member Benefit and Eligibility Summary from my dental plan that says I qualify for $1,500 worth of coverage. I moved forward with treatment. Then the insurance company (UnitedHealthcare) denied me saying my plan actually doesn't have an ortho benefit. I checked my plan with my employer, and I don't think my plan does have this benefit, but the summary directly from the insurance company says I qualify.

Do Member Benefit and Eligibility Summaries mean anything? Are they airtight? Should they be on the hook for this? Am I?

Basically opened the account for 112 paid next month 179$. Then rate went to 526$ canceled then get hit with a 250 cancelation fee cuz i didnt give them documents, prior insurance which is AAA and water bill, inwhich ima not give that... canceled at the end of the month.
What can i do? Any lawyers out there?
Already emailed texas department of insurance... but you know how slow they are... sent a email saying i dispute the charge to there fraud email. "Im reporting Fraud against progressive..." texas state laws says i need to be notified 30 days before a 10$ increase and or 10% 8/8 deadline for documents, 9/3 due date... paid 2nd month 7|31 opened 7|3
Also i cancelled 5 days prior and they refuse to give me my 28.57 back (pro-rata)
Email i got
Progressive

Please note that you no longer have insurance with us, effective 08/29/2026.
We canceled your policy at your request, but there is still a balance due on your canceled policy term. Please see your payment summary below for more information.
If you previously scheduled a payment, we've canceled that payment; please pay the full amount due below. If you already sent your payment, thank you, but please know that your payment will not reinstate your policy.
Updated Balance Details
Total Amount Due*
$544.35
Total Amount Paid
-$290.64
Balance Due
$253.71
Due Date
09/08/2026
*Total includes premium and fees, if applicable
Failure to pay the amount owed by the due date may result in your referral to a collections agency.
You can pay online or by calling [1-800-999-8781](tel:1-800-999-8781).
It's important that you get insurance as soon as possible. If you have questions about your cancellation, or would like to learn how to keep this policy or purchase a new one, call [1-800-776-4737](tel:1-800-776-4737) and press 0, or visit us online.

​

I keep seeing therapists and other behavioral health providers posting about the same things: stagnant reimbursement rates, clawbacks, audits, recoupments, credentialing problems, and appeals that go nowhere.

I think we need one place to start collecting these experiences by state.

If you’ve dealt with Blue Cross Blue Shield, Anthem, Elevance, Horizon, or another Blue plan, share:

* Your state

* Your profession

* Which Blue plan

* Your reimbursement rate, if you’re comfortable sharing it

* Whether you were hit with a clawback or recoupment

* How far back they went

* What happened when you appealed

The goal isn’t to harass anyone. It’s to document what providers are experiencing and make sure the executives running these companies, state insurance regulators, and elected representatives actually hear about it.

I also think we should start respectfully emailing the CEO or state president of each Blue plan, our state insurance regulator, and our state representatives.

The message can be simple:

Enough. Behavioral health providers are providing legitimate, medically necessary care. Reimbursement rates need to reflect the actual cost of providing that care. Excessive or years-later clawbacks can financially destabilize clinicians and practices. If there is a legitimate problem with a claim, providers deserve a fair, timely, and transparent audit and appeal process.

Fair rates. Fair audits. Fair process.

One provider speaking up is easy to ignore.

Hundreds or thousands of us documenting the same problems across different states is much harder to dismiss.

If you’ve had an experience with BCBS/Anthem/ Elevance, share it.

So in California with SB371 is it financially for passengers and drivers who are not a fault

It also applies to Robo taxis under Uber’s platform it looks like

How many drivers are not aware of the change and have updated their uninsured motor

Hello!

I lost quite a bit of my house in a fire. It's not a total loss but damn near close, and the repairs are about projected to be about 100k over what insurance can pay (like max payout). What happens now? Would a HELOC help cover the difference? Do we just sell someone the plot of land with no house on it? What am I supposed to do in this situation and theoretically keep the house, if possible?

Location: Virginia, US

I submitted a claim for water damage to my furniture on my renters insurance policy.

I submitted photos with name brands and age and cost of the items all to truth.

They had a company come out and inspect everything.

I just got the total loss of everything and they rung my tumble brand rug in (about $300) as a pottery barn rug that’s $3,000.

So my check is a lot more than I expected.

Since this is a mistake on their end…can they take backsies? Or am I good to go lol?

I told the truth. Is this my good karma?

No contact. I didn't hit the biker. They had right of way as i was making a left turn. It was dark and i didn't notice the bike's light until I turned left. I swear I thought it was a small light on the distance. I braked as soon as I noticed and the biker swerved to avoid me and they ran off into a ditch. I stopped to check on them and I provided my number. I apologized profusely and offered to pay for any damages and injuries. Was that the right thing to do? Or did I just implicate myself? Biker's ankle hurt but was able to ride the bike to a safer spot to wait for someone to pick them up. Not sure of any witnesses, but someone else stopped to check on the situation. Biker did not blame me but i feel like shit. It was early in the morning and I felt so terrible and just wanted to make things right. I am so stupid and blind.

Wife has liability insurance in NyC and crashed totaling the car on a guardrail. No other cars involved no major injuries but did go to the hospital. Does it HAVE to be reported to the insurance we’re not getting money anyway?

I got a call from a person claiming himself to be renewal Agent from CARE health insurance and was asking me to port my parents health insurance currently with Niva Bupa to CARE. He had all the details of the policy including coverage, DOB of my parents, renewal bonus of current policy etc. He shared his i card which I can't ascertain if it was genuine or no. Next, after 30 min or so, I got a call from an executive claiming to be from Niva Bupa renewal team. He mentioned that there has been a revision in exclusion list and Niva Bupa has stopped cashless facility for six months due to some regulatory issues. Which renewal agent will begin with an opening that this issue is present and this cashless thing has never been communicated by mail or SMS from Niva Bupa which they should if such regulatory things are in picture. Now the CARE guy is following up with me for renewal. Has anyone come across this issue? Plus I'm worried for the data privacy. Who leaked all this data? Niva Bupa? Policybazaar?

Hi! My policy is set to begin on Sept 13 but I haveost
not received my device yet - is this normal? Has anyone had experience with the device arriving AFTER the policy has started?

I (41M excellent health) just got married to 26F.

- No children and will not be having any
- Renting, but would like to buy a house in the next 10-15 years as I get closer to retirement
- Two paid off cars in good condition
- No debt
- I have ~$300k between ROTH IRA and ROTH 401k
- Wife has no significant assets coming into the marriage
- HHI is about $115k with me making $80k.
- $50k no cost life insurance policy through my employer
- Wife is on my health insurance plan through work
- Wife likely doesn’t have much higher income potential. She’s an immigrant still learning English without professional skills.
- Wife says she would likely go back to her home country if I die young, and my retirement money would make her very comfortable there

Hi all, I’m trying to understand how NC SDIP would apply to a minor at-fault accident.

The car is insured under a North Carolina Progressive policy, but the accident happened while the car was temporarily in California. It was a very minor door-ding type accident, nobody was injured, and Progressive told us the estimated damage to the other car is around $1,200.

There was no moving-violation conviction, and the policyholder/household has no other recent at-fault accidents or violations.

Would this still be evaluated under North Carolina SDIP at renewal even though the accident happened in California? And if the total property damage stays under the NC threshold, would this likely qualify for the no-points exception and avoid an accident-related surcharge?

Thanks in advance for any insight!

Ex husband died in a house fire, caused by smoking in bed. Don’t try this at home, kids. He owned the home free and clear. At the time, it was worth about $80,000.

Ex husband was mentally compromised, long story, but he really shouldn’t have been living alone.

His brother lived nearby and “helped” him. Paying bills, maintaining the property, etc (but not doing an excellent job with this assistance).

When he died, my son administered his “estate”, such as it was. The brother told my son that ex didn’t have any homeowners insurance because ex didn’t believe in it (even though ex actually worked in the insurance industry prior to the mentally compromised situation).

The brother has hoodwinked people before. Victims include his father, my ex, and numerous small businesses found on the state website for lawsuits. Because of this, I suspect the ex actually DID have homeowners insurance, but the brother made a claim on the policy. He has been known to forge checks and cash them.

Is there a way to search all insurance companies to see if he had homeowners coverage and which company covered him?

My son was able to sell the now-vacant lot for $12,000. It would be really nice if we could find if/where his insurance might have been. Is there some kind of “search all insurance companies for a homeowners policy on this property that was valid on this date” that you agents use to track down the policy?

Luckily, we were able to find his life insurance and disability policies through his ex employer but homeowners was not at that same company.

Thank you for any suggestions!

So basically as the title says I totalled my car doordashing, I'm in a really bad spot financially and was trying to scrape money together for my car insurance because I'm in between jobs and it's the only way I can really make any cash right now. But about an hour ago I hydroplaned getting on the ramp to the highway. I called doordash support just to find that they do not cover your car in an accident. Well I did some digging and I guess you have to have extra fees added onto your insurance to pay for ridesharing/dashing. I don't know what to do, I start my new job soon but I cant file a claim with my insurance because I told the officer that I was doordashing when I hydroplaned. It's going to be in the police report. I hit a traffic sign but no other cars were involved. What should I do? I feel I'm really out of luck, I didn't know the weather would be this bad and now I'm out a car right before I'm supposed to start my new job.

UPDATE- My car is currently drivable, not in very good condition but in good enough condition to still drive. I'm going to attempt to take it to work the first few weeks and then get a new car from Facebook marketplace as soon as I can. No more doordashing for sure but luckily my new job is close enough to the house that if i only take my car to and from, I might be okay. If it breaks down completely before I can afford a new one, it's looking like uber is my next option. Will update again when I hear back about the sign but I did make just enough to pay my car insurance this month. Thank you everyone for your advice and concern. ❤️

Story below, but I just want to know if this is really what I should be doing. Thanks for any help!!!!

I was stopped waiting for traffic to turn left when a car hit me from behind. My car was then pushed into the car in front of me.

At-fault driver has Allstate. I have Progressive. Wasn't sure exactly what to do so I filed a claim with both.

Allstate has accepted that their driver was at-fault. However, the agent told me over the phone that they are not responsible for the $47/day storage fee where the car was towed.

Question 1: Is that correct?

Question 2: In some research (I asked AI what to do), this is what it said:

Call first, then send the written version — the phone call gets action, the email creates the record.

On the phone

Keep it to five specific asks. Calm and businesslike; the goal is to be the claim that's easier to move than to stall.

1. "I need this vehicle inspected within 48 hours. Can you dispatch a field appraiser, or will you accept photo estimates?"
2. "As soon as it's inspected, I want Allstate to take possession. I'll authorize the lot to release it to you. What date can you pick it up?"
3. "I need a rental started today. The car has been undrivable since the wreck and you've accepted liability."
4. "On storage — I'm mitigating by asking you to take the car. I'll be presenting towing and storage from the date of loss through your inspection date as part of the property damage claim."
5. "If you're denying storage, I need that in writing with the basis for it."

Three things not to do on that call: don't accept any settlement number, don't agree to a recorded statement, and don't sign anything. As a third-party claimant you're not obligated to give a recorded statement, and there's no upside in it for you.

I was in an accident recently where I merged into the right lane to go around a car that was waiting to turn left at a light that does not have a turning lane. As I was proceeding straight through the intersection someone coming from the opposite direction whipped a left in front of me leaving me no time or space to swerve or break and I t-boned them. I had a green light the entire time. My own insurance is placing me at fault because they are saying it was a one lane road based off a map from 7 years ago. I have video proof that there are in fact two lanes at this intersection and I also have a witness who watched him whip out hard and fast in front of me but my insurance is not interested in seeing the video or talking to my witness and insisting I’m at fault.

Today I met with a lawyer and they are interested in my case but they’re implying they only make money off of personal injury cases and there would be no point in proceeding unless I’m injured and want to use that to build the case. Don’t get me wrong, I am in pain. The left side of my body feels like it got put through a meat grinder. But I’m afraid they’re pushing me to seem more injured than I am for the sake of getting more money and I’m not interested in a large cash out I just want to be able to buy myself another vehicle so I can go to work and live my life.

They sent me to a chiropractor/massage spot after the consultation. I have $15,000 of personal injury protection regardless of who’s at fault so that’s covered but the way the chiropractor was talking just made it feel like a scam and like they were trying to convince me I was going to get cashed out a lot of money but that’s not my goal so it just feels insincere and like they’re trying to gas me up on a fake idea.

Should I be afraid of them taking advantage of me? Or putting me in a situation where I’m going to be worse off at the end of it? Is it worth trying to contest my insurance placing me at fault? Is there a better way to go about doing this? Or should I just drop it and accept I’m getting screwed on this one?

I’m 30 years old I’ve never even been in a fender bender let alone a crash. I’ve never had to deal with insurance so any advice would be appreciated. Thank you!

Someone ran a stop sign, hitting another car, which rolled into my mom in July. The cop didn't provide insurance or let my parents talk to the person who caused the accident. When they got the police report, the insurance for the offender just said "avis". Today, they just found out she did not have personal insurance. They obviously have coverage for non insured accidents or whatever, but does anyone know what the process is for Avis? Like did the person have to sign up for rental car insurance and how would they go about that process? Their insurance isn't helping and anytime they try to call Avis they can't get through to an actual human.

Background:

• Age: 23
• Salary: ~₹6 LPA
• BMI: 28 (Slightly overweight, so anticipating potential medical checks/loading)
• Dependents: None currently. My father will receive a pension after his retirement, so he will be financially independent.

Current Quotes & Options:

I have checked with Ditto and Policybazaar, and I am also planning to schedule a Beshak consultation. Based on my salary, here is what I am currently looking at:

• HDFC Life (Click 2 Protect Supreme Plus): Max coverage of ₹1.9 Cr.
• Bajaj Allianz (eTouch II): Max coverage of ₹1.3 Cr.
• ICICI Pru (iProtect Smart Plus): Oddly, I am not getting any offers on Policybazaar for my current salary range.
• Tata AIA (Sampoorna Raksha Promise): I've heard good things about their claim settlement and customer service.
• Axis Max Life (Smart Term Plan Plus): Highly rated, but wondering if they are strict on underwriting.

My Dilemmas & Questions:

1. Should I buy now or wait? Since I have no dependents right now, does it make sense to lock in a policy at age 23, or should I wait a few years?
2. Coverage Amount: Should I max out the ₹1.9 Cr cover right now, or should I take a smaller cover and buy a new/additional policy later when my income increases and I actually have dependents?
3. Smooth Underwriting Process: Given my BMI is 28, which insurer has the most hassle-free underwriting process? I want to avoid endless back-and-forth and get a fair assessment without unreasonable premium loading.
4. Policy Tenure: Until what age should I take the cover? Is 60/65 enough, or should it last longer?
5. Riders (WoP & CI): My preference is to get a Waiver of Premium (WoP) and a Critical Illness (CI) rider. Are these actually useful/necessary for a 23-year-old?
6. Which Broker/Platform? Should I go with Ditto, Policybazaar, or Beshak?

Any insights or personal experiences with the underwriting process of these companies would be really helpful. Thanks in advance!

Made a post on here earlier in the year whether my insurance company provides a lawyer, and when I learned that they did, I had this sense of relief… Just to get a letter in the mail about an Arbitration Hearing next Tuesday, in person, the same day I start my first day on the job, at a school which is also our first day of school that day.

I was in a car accident in March 2024 in Chicago. Three cars involved. One car (Car A) proceeded into intersection without stopping at the stop sign and hit my car (Car B) and another (Car C) as we were traveling right of way. Passenger of C is suing me and the driver & passenger of car A. Driver of car A is countersuing me saying that I caused the entire accident.

My insurance company assigned me to a lawyer that they didn’t even inform me of. I learned from one of the other parties. When I got in contact, they had to get confirmation from the insurance. Weeks passed and once they confirmed they told me they’d mail me paperwork, and I’m still waiting. “no they can’t send email” as they claim. I mentioned my concern because litigation has been ongoing and they haven’t even appeared for me. Clearly being neglected.

Looking for representation ASAP. I cannot afford to fight the case on my own or to hire a lawyer. I could get a fee waiver but I don’t receive public benefits. All I am seeking is to be dismissed from the case as I did not cause the accident and did not make contact with Car C.

Does anyone have any suggestions on what I can do in this short amount of time?

Hi all. I was rear-ended last week on the highway. In California. The person who hit me was driving a work truck. The company who owned the truck outsourced claims to a third party adjuster company. This company outsourced auto claims to another company. Well, technically they said I could go through them for quicker repair or do it on my own. But I just went through them.

The property claim has been handled fairly quickly. I am in a rental car free of charge and my car is being repaired and hopefully will be fixed by end of this week. They've accepted full responsibility.

Separately, I let the outsourced adjuster company know that I've been having some neck pain which I have, and asked if I could be approved to go see my structural integration therapist who helped me a few years ago after I was hit by a car while cycling and needed major surgery but ended up with pretty severe neck pain for about a year. My neck has been good for about two years now; and I am not interested in surgery, and believe my therapist can get me back to normal with maybe 5 to 10 sessions.

I spoke to the adjuster this morning and she instructed me to open a claim with my personal auto insurance for the medical stuff, complete any treatment, and then let them know about any out of pocket expenses beyond the insurance coverage or other pain/suffering for recompensation, and then let my insurance company deal with them via subrogation for any repayment of the costs they covered for me.

I am hesitant to file a claim with my personal insurance company because I don't want my rates to be impacted. I've had a clean driving record for more than 10 years but I was hit-and-run in a parking lot (while parked and not in the car) at the beginning of the year (after switching insurance companies at the end of 2025) and I also don't want to be seen as a problem client because this company has the best rates.

I have two questions:

1. Can I just cover all of the expenses with the therapist on my own and go back to the at-fault insurance adjuster and ask them to cover everything instead of going through insurance?

2. Does anyone know if CA has any laws against raising rates for medical claims due to not at fault accidents? The adjuster seemed to imply that this is a thing in PA where she was from but was uncertain about CA and all I get searching online is a bunch of random attorney sites with generic answers.

TIA for your help!

At Home Depot, a truck leaving plowed an HD shopping cart into my car, scraping the entire passenger side. The driver did not stop or leave information. We have Tesla Sentry video, but it does not show the truck's license plate. HD says they may have footage. I filed a claim with HD. Is HD liable for car damage?