2 small wins – insurance Had two back to back wins today. One with insurance policy- i rate shop every year and saved $1200 (~35%) from my renewal rate with about 2-3 hours of work (phone/email follow ups) I also had a win by following up on an insurance adjustment claim. I did a quick audit and the insurance company shorted me $2,400. I emailed them and they instantl…

Travel Insurance “Total Trip Cost” I booked a trip to Aruba on points. The cancellation policy is “14 Days before arrival or forfeit deposit/1 Night deposit required” When getting travel insurance I basically only need to put in the cost of one night stay at the hotel correct? Since worst case one night deposit is all I would pay. Flights can be canceled for a voucher anytime. T…

Should I restore my car or take insurance settlement? Hello, I have a 17 ford fusion hybrid SE with 115k miles. I got hit by a deer on the drivers side and it messed up the headlight, bumper, fender, and two doors. Insurance offered to pay $12k for the car or $9k and I keep it with salvage title. The parts appear to be $2500 to acquire and I could do the bumper/fender/headlight myself but would nee…

Multi-State Vehicle Registration: Loan and Insurance I’m in the final stages of purchasing a new Ford Transit and have some questions about registration and loans. I’m currently a California resident, but I’m purchasing the vehicle in the Lakes Region and plan to drive it directly to New Hampshire. My plan is to register it in New Hampshire under a non-resident registration and store it there whil…

Travel Insurance “trip cost” I just tried getting an answer directly from an agent on this and she was incredibly confusing. What do you put down for “total trip cost?” Seems very subjective how to calculate that. For example: Do you include cash value of flights even if you’ve paid points or credits? Does it include all your expected spend at hotels you haven’t yet paid fo…

Health insurance went up? Has anyone else’s health insurance gone up? I pay for my own health insurance and this month it went up by $44. I haven’t even been to the doctor in literal years and I don’t ever remember having an increase for payment for my health insurance. Is this normal? submitted by /u/throwRAanxious93

Travel Insurance for entry denial ? Hi, There’s travel insurance for cancellation and for health, but is there travel insurance covering the possibility of being denied entry by a Customs and Border Protection officer ? Because if that happens, I’m loosing all the money spent on my round trip flight ticket, my train/bus/taxi to and from the airport, my accomodation, anything else …

BusBud TERRIBLE insurance BusBud works with Refundable.me so DO NOT trust their offer of insurance on any tickets. And they won’t go to bat with them for you either- we didn’t take the bus because we didn’t go to the country because of Hurricane Oscar- flights were being disrupted so we canceled and got our money back from everyone EXCEPT BUSBUD. After going thru Refunda…

Insurance will no longer be in-network next year due to insurance lowering rates I’m not sure if this is the right place to post. Background: Due to a dispute between my insurance provider and the hospital, the hospital will no longer be in-network, I found this out after my current enrollment period. I require a highly specialized surgery, which I have been preparing for over a year and is scheduled for next year. Unfortuna…

Which travel insurance is good? Southern Cross? I’m planing go overseas from NZ for about 4 months. So far I only know about Southern Cross , but I heard their claim process is slow – even taking a few months. submitted by /u/Eureka007

Hospital billed random insurance not provided, said insurance paid in bill sent to me… sent to collections 20 months later, no letters or calls… Holy fuck am i beyond pissed off right now. Feb 2023 we took our baby boy to the emergency room. We gave the emergency room our insurance card which they took a photocopy etc. 3 weeks later i get a bill saying insurance paid $1800, i owe $100 which i paid right away. December 2024 i get a bill from a debt collection agency saying i owe them $180…

Overwhelmed buying life insurance. Hello, I’m an early 40s single father to a young child. I want to ensure my kid doesn’t struggle financially if I die unexpectedly. I have been getting term life quotes that have just been wildly across the board in terms of premiums, coverages and payouts and I don’t know what the heck to be looking for! I’m in pretty decent health but I do tak…

Home Insurance rates are ruining home ownership For those lucky enough to get a home for a reasonable price in this post-COVID market given the high interest rates, the rising cost of home insurance is becoming unsustainable. My rates have been rising significantly year over year. I locked in a great rate a few years ago, but I simply don’t know how folks stretched thin on high interest loans…

Long-term Travel Insurance My husband and I are currently using Genki, is there anything better/more affordable? We are traveling to several countries in Eastern Europe, Asia (SE and Central), we plan to travel for 2 years, our nationalities are Russian and Canadian. submitted by /u/Durian_555

Rental car insurance in theUS for foreigners We are two europeans in our early 30s. We only recently got our driving licenses (less than a year ago). We are planning a 12 day road trip in california (San Francisco to LA) in late december. Currently looking for car rentals. But we are unsure how the insurance stuff works. Given our relative inexperience with driving and that this is our fi…

Where do I invest an insurance settlement? Good morning everyone, Long story short, my attorney and I are currently in the final stages of negotiations with an insurance company. After the attorney’s 33% cut, I’m looking at around $2-300,000. My continued care will probably cost around $1,000 to $2,000 a year, but what do I do with the rest of the money? I want to invest it somewhere, bu…

Am I getting screwed over paying for life insurance at 22 with no kids or dependents? My mom encouraged me sign up for a term policy at the beginning of the year and it’s honestly been a nightmare. I end up paying 96 dollars a month and on top of that I have to pay my phone bill which is around 78 dollar monthly so I end up paying 170+ on my phone and life insurance. I honestly can’t afford it at all and end up having to transfer…

Travel Insurance for Schengen Visa Hi, everyone. Just wanted to know if I HAVE to buy AXA insurance (since this is the first website that keeps popping up and my relative send me their link as well) for schengen visa or can I buy any insurance as long as it covers 30,000 euros? If you guys can recommend any affordable insurance company, that’d be great! Thanks! submitted by …

What Health Insurance Plan should I choose? My job offers BCBS Michigan. PPO plan is $500 deductible at $230 a month. HDHP is $75 with $4500/ $7500 max deductible (think this is correct not sure) and HSA $500 annual contribution. I don’t visit the doctor often, rarely get sick. I’m pretty healthy. I’d also like to eventually seek mental health help and and that factors in to which plan I…

LPT: Never pay for shipping insurance as a buyer from an online store Item got damaged in transit? File a chargeback with your credit card company stating the item you bought isn’t as described. It’s always the responsibility of the seller to insure the item a buyer buys arrives in the condition as it’s sold. It’s becoming more and more common for online stores to tack on a non-refundable 3-5% “shipping insurance…