I think I can decide as an adult female when I myself want to do something.
If I do not want to got to bed with you, because I am an insomniac, and because you are a chronic porn abuser, who while in recovery can be lying (as you’ve done to our therapist, and me many times in the past year), maybe I just do not care.
Have I STILL made you work lunch/snack bags, ran your bath water, left you sweet loving notes on the expo board?? Yes I have!! BUT if I’m not in bed when you want, up with our children who cannot sleep, or choose to sleep on the couch because of your actions (even if it’s just anger that I was not in your ‘martial’ bed with you), NONE of that matters. You have been ugly and almost physically abusive when I chose to sleep on the couch because of your actions against me.
I’ve told him over and over again this is HIS thing he holds over my head to make me some awful person, when he’s done all the lying, gaslighting, and manipulation you can think of. I’ve STILL stayed just for the kids and thinking this is not who he is, but my previous posts and comments will have you all tearing me down to leave, and I get it.
I do EVERYTHING for this man. I was even up tonight talking to a recruiter I was hoping was not an at home work scammer on Microsoft Teams, because his paycheck is eaten alive by how much he has to pay to his insurance to cover my MS, Clots in my right chest and kidney, etc. I’m the one causing the issue with all my stubborn bodily issues I cannot help, that almost killed me and still could. I’m disabled to a point, but lucky to be standing and not as bad as most MS patients at my younger-ish age.
I do it ALL for him and my kids. He doesn’t deserve it and they do. If I stay up a good chunk of the night making sure they are OK, I should have that right. He says, ‘I did not feel you going to bed when I usually do’. What??? If that’s the case then you are choosing to ignore me when you know I get in the bed. You cannot have it both ways, ‘Oh, I was sleeping too hard to know you were there to love on you.’
It’s all manipulation. I’m tired of doing all these nice wonderful things to just be hurt, told to shut up, and the ONLY thing that matters to him, even if I spend 20min rubbing his head until he falls asleep, is that I do not share the martial sleepy bed where we do not touch together anyway is the issue… WTf?! To me this is deflection. I’m done with this crap.
If this is the ONLY thing that upsets you, that you make a big deal about when I do literally everything else, you are an AH.

Does anyone know if there would be any problem with that?
So here's the full case. In the past I dabbled a bit with cars and I miss that, doing office work. So I was looking for a project. I came across a dream car of mine that by the looks of it, stood next to a burning warehouse or something, it looks like burning parts of roof isolation fell on it and it caused some parts on the outside to partly melt (mirrors, lights, a bit of a bumper) and the paintwork is damaged, the paint peeled off here and there so it needs a full fresh paint job, windshield also needs replacing. But it doesn't look like the car itself caught on fire, interior is in great shape, the engine doesn't start, battery is dead.
It is insurance auction so it's impossible to inspect the car, I would get it through a 'broker' just from pictures. I don't know the laws, would be there any problem with registering such a vehicle? The repair would cost a ton in Switzerland, it's labour heavy but I actually want to do it mostly myself because I like it and I'm ok with it. The insurance estimated repair cost for far over car value so I assume it's a 'totalshaden' but I'm not sure what does it change here in Switzerland. How it looks to me, the damage is no different than a vandal going ballistic on the car, smashing lights with a baseball bat damaging paintwork all over. But I'm not sure if guys at MFK would see it that way as technically there was a fire. Does it change anything? I have no idea how it all works in Switzerland and I don't even know how to start looking for information.
Thanks!

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Rented a ubetesla with hertz, used my insurance with Allstate. Got a crack along the battery compartment hitting a speedbump. Its covered but now they are denying to repay me for a rental car even though I have rental reimbursement. Saying only my original vehicle is covered? What can I do? Call the state insurance board and see what they say? Why can they cover the claim as a rental car but not the reimbursement for the new rental vehicle? Does this sound legit or just them wiggling out of it? They already assigned a special investigator and the claim aginst the rented tesla was cleared to be payed by allstate. This is a $900.00 loss for me. Any advice?

Hello everyone, I recently moved from out of state to Connecticut and am looking to register my vehicle in state and change my auto insurance. I read on the requirements list on the DMV website that I need a Connecticut insurance card to complete the process; however, when I called a local insurance company office to change my plan, they said I needed in state registration to get insurance. So now, I’m kind of at a loss. This is my first time moving out of state, so I haven’t had to deal with this before. What is the process for getting in state registration, and how do I satisfy both requirements if they seem to be prerequisites of each other?

what does “you will be covered for damage to After market equipment is covered up to £1,250 or the market value of your vehicle, whichever is lower” mean? I saw this in my insurance policy under ‘Cover For Your Vehicle’ but just wanted to really understand what it meant?

Alright, so you’re earning an X amount of money every month and you want to know if you can afford that dream house of yours? Well, calculating affordability only based on income is a job half done, hence here’s a piece on how to accurately calculate the affordability of a house.
But, since we’re here, let’s dance!

Total Income

Okay, first things first. You need to calculate how much is your total family income. Include all income sources here like taking weekend classes, any kind of freelance jobs, or income from second jobs as well. If your spouse is earning or a parent as well, then include that. Basically, all the people who are going to be invested in the new house.

Total Expenses

Now, minus the total expenditure. This should include any existing EMIs, insurance premiums, SIPs (that you can’t stop), grocery expenses, education expenditure, et al. All of those things that take money away from you, should be included here. Another aspect that you need to consider is your Future Expenses. Maybe your kid wants to go to Stanford or you feel like you should own an MG Hector because your colleague thinks that a new house deserves a new car. Does a parent need to undergo major surgery, or is one of your kids getting married within the next 2 years? What if there’s damage due to natural disaster, vehicle damage, job loss and God knows what can happen. What if a deadly virus breaks out, locks down an entire country, and crashes the economy! Would you be able to sustain yourself given that you would have an additional liability of monthly EMIs? Therefore, remember to have a Safety Net where you park money for your emergencies and unavoidable expenses. A general rule of thumb says to have at least 6 months of total expenses as a safety net amount. Apart from this, also have about 1% of the gross house price for emergency house repairs, maintenance, and enhancements.

Let’s suppose the following

Net family income – Rs. 50,000
Total Monthly Expenses – Rs. Rs. 20,000
Net cash in hand – Rs. 30,000
Now, you’re ready and you know how much EMI you can afford to pay.
Suppose you can afford to pay Rs.26,000 (approx.) EMI per month @ 8.5%. How much money can you afford to borrow? Rs.30,00,000!
Okay, let’s say you’re going to be borrowing 80% of the total house cost. So, 30,00,000 is 80% of which number? Rs.37,50,000 (Borrowed amount ÷ 80%). That’s the maximum value of the house that you can afford. And hey, don’t be flattered by my math skills here. I’ll be honest. I used this nifty EMI calculator to get all the answers. Just one disclaimer here – I’ve assumed loan tenure to be of 20 years because that’s the usual tenure that most people go for. But you can change that as well.

The EXTREMELY detailed, mega-anxiety edition!!! Major events like consult and surgery day are labeled like this:
——— EVENT TITLE ———
Surgeon was Dr. David Whitehead and I saw him on Long Island (New Hyde)
Summarized list of major dates:
Consult: July 19 2023 Mental health letter acquired: August 9 Dates discussed: September 12 Pre-op appointment: December 18 Surgery day: January 8 2024 Post-op: January 17
November 11th 2022: Emailed northwell health for the first time, they emailed back saying to call. I was too anxious so I avoided it for a few months.
Called northwell a few months later but got too anxious talking to the person who picked up. They were being normal and talking normally, it was just personal anxiety on my part.
October 2022 - Early March 2023: Spent time talking to trans friends and family members about their timelines and processes for top surgery.
Looked into Penn medicine for a bit but wasn’t happy with the surgeons there, specifically as a nonbinary person. The patient navigational team however is lovely.
March 2: emailed Penn health patient navigation
March 3-10: correspondence and phone calls w patient navigation (absolutely wonderful people, some of the easiest phone calls I’ve ever had) Got lots of into on surgeons, things I’d need, processes etc.
Date unknown: phone call to Penn medicine asking about surgeons and possibly setting up as a patient (v long wait time on phone) Surgeon I had heard good things about only works w CHOP program and I’m was too old for that program. Other surgeons I was v iffy on.
March 23rd: Back to square 1. Called northwell again to set up an appointment. Everyone I spoke to was really nice. Could have set up an appointment within the week but decided to wait till the end of the semester. Scheduled a trans care and primary care appointment for May
Couple of calls In between for confirmations. Trans care appointment got moved around a bit and ended up being moved to a phone call.
May 8th: Trans care call: Basic preliminary questions like: Emergency contact, what you’re looking for, are you thinking of looking into hormones, experience w dysphoria or dysmorphia, mental health, and eating/nutritional concerns, things you might want doc to know, piercings or tattoos, do you do any drugs or drink often, etc. total call time was about 20 minutes. Doctor was incredibly kind, I still experienced a good deal of anxiety but the call was super easy, welcoming, and friendly. Got sent contact referrals for the surgeons, as well as trans-friendly therapists under my insurance.
May 9th: started looking at list of therapists and making respective emails and calls. Checking per session costs and double checking insurance. Most charge 100-150 per session. Got in contact w one.
May 10th: Called w first therapist talking about what I’m looking for, where I am in this process, if parents are supportive, and talking about costs. She was very friendly and affirming, wants to have a few sessions to get to know me and my situation before writing a letter. Understandable and expected, but frustrating.
May 15th: Primary care appointment: Went to northwell health primary care, parkinglot was a little scary (just a large lot with a lot of cars) but everyone working there’s is super kind. Office is incredibly affirming, pride flags and lgbtq+ art everywhere. Gave my insurance card, filled out some paper work, got called in pretty quickly. I have a needle phobia and medical trauma so I was panicking a bit in the office, nurse was good w me about it and doctor was very kind, I just requested to not have any blood work done that day and that was totally fine, so I could schedule that at a later date and go w a friend. Recommended to get blood work done before scheduling a consult w a surgeon. Also prescribed me a single dose anxiety med for the bloodwork which I was very happy about. I found over time that the anxiety meds unfortunately do little to nothing for my panic attacks personally when it comes to needles but regardless having a doctor acknowledge and respect that fear and listen to me was incredibly helpful and reassuring.
May 30th: Got blood work done in a different lab, went w a friend. Scheduling for that is super easy, I think I did it online actually I don’t entirely recall. they do take walk ins but I made an appointment to minimize complications and make sure I could prepare properly. Front desk/lobby area was a little spooky, but I think that is mainly just bc of my social anxiety. They take a urine sample, you give them your prescription, eventually they call you over for blood work. Quick and easy, tech was v nice and having a friend with me was incredibly helpful. Probably the best I’ve ever done with a needle despite the fact that I did still panic and get very lightheaded lol.
Got blood work results back within the next couple days, all looks a-okay! Neat :)
June 15th This day was incredibly difficult. I had my first session with a therapist to establish some ground knowledge around my dysphoria and the way that I view myself. Top surgery is something that I know from research and related experience Can be difficult and expensive to get and can take time, so much of my prep work has been on the understanding of taking things a step at a time and just knowing that the current way things are doesn’t have to be forever. It allowed me to be able to live with myself while prioritizing my health better. This read to the therapist as “not having the level of dysphoria [she’s] come to expect and look for in someone who is trans” and was largely based off the fact that I don’t want to go on hrt. Past that point I started to break down because now my method of learning to live with myself felt like it was actively going to work against me and prevent me from getting top surgery. I’m not good at talking about my dysphoria, I can’t imagine it’s easy for anyone, especially to a stranger I just met. It was rough, and I felt incredibly mentally drained after ending the session.
June 19th Called it quits with the first therapist, I felt incredibly disrespected and the one session we had put me in a mental spiral for days. It can feel some times in this process like the people you have to get permission from need you to be severely depressed and unable to wait another second for this procedure just in order to take you seriously.
After I left that therapist, I immediately got back to the list to find someone new. Spoke to a new therapist via email, but my insurance is kinda weird (Blue Cross Blue Shield out of state) so its off putting to some people. This therapist recommended I go through the office she started out at (Heart and Soul Counseling)
————- Time Skip ——————
IM BACK its time for some record keeping. Got super overwhelmed and lost the energy to document my process for some time so here goes.
HEART AND SOUL COUNSELING: My experience w/ this therapy office was mostly good. The person in charge, Jesse, was absolutely lovely and responsive. Never spoke in person, but any text/email interaction was prompt, respectful, and kind. The office is stellar with email/text communication, so I only ever had to call them once when I was initially inquiring about the office. This is something I wish all therapy/counseling centers did better, eliminated a ton of my anxiety and hesitation to speak to therapists.
I got set up w someone as quickly as possible and established what my goal was (to acquire letter document for my surgery team). I attended multiple session w the therapist, she was a kind lady but the sessions were unfortunately p miserable for me. We didn’t fit well, but I was willing to stick it out rather than backtrack on my process. She also did not invalidate me or accuse me of not being trans which was a major step up from my first therapy experience. Once I acquired my letter I did stop therapy there, I kindly explained to the therapist that it wasn’t a good match, but I may honestly explore my options at the office in the future. Receptionist there was also lovely and they had a cool fish tank.
———- CONSULT STARTS HERE —————
July 19th: CONSULT!!! My mama and I went to Dr. David Whiteheads office for a consult. Parking was a nightmare so I’m super glad I didn’t have to drive for this one (ty mama). Consult went really well, and the staff were all super friendly. Dr. Whitehead is cool, very chill energy and a bit intimidating, but I’m scared of everyone so that’s nothing new. First question he asked me is what I wanted/what he could do for me which caught me more off guard than it should have? I didn’t realize going into this process how many times people ask you what you’re having done even if it’s already written down, because there’s so much variety in what you can look for in the results.
We talked about the procedure, went through a slideshow n stuff, and discussed how I wanted a flat chest w/ no nipple preservation. They made sure to specify that my mental health professional letter had to include that I did not want nipple preservation because thats technically a “non-standard” appearance. Also had the first breast exam I’ve ever had in my life. Can’t say i’m a fan (not that I need to worry about that anymore!) Took pictures n measurements n such, and also discussed recovery supplies and care w me and my mom.
August 9th: After a plethora of painfully awkward therapy sessions, a decent amount of crying, and a couple breakdowns in friends cars/backyards, I got my therapist letter and sent it to the surgeons office. It ended up needing minor revisions to which I contacted Jesse from Heart and Soul and he got me the revised letter immediately. Unfortunately the surgical coordinator was out of office for the rest of the month the next day ;w;. Is how it be.
September 12th: Got a call from Surgical coordinator mid-painting class that I stepped out to take. Started discussing surgical dates!! She was kind enough to email the dates to me which was lovely because I was absolutely shaking/mind blank haha. There was an option for January 8th which felt like an absolute miracle the way it would work with my school schedule. It would give me a solid two weeks recovery time before spring semester began. Because it would be a couple months out, I was asked to contact her in the second week of October to submit documents to insurance.
(Timeline note: earliest date offered was in early December)
October 10th: Documents sent to insurance, predetermination started
October 30th: Received mail from my insurance approving my procedure as medically necessary (YAY) But! This is also where things get,,, fun! Dr Whitehead’s surgical coordinator, Alyssa, is a blessing and was very helpful and prompt with me despite the fact that I had to email her pretty constantly during this general time which I still feel bad about.
Around this time, my mom got diagnosed with breast cancer, which I reported to the surgical coordinator because it influences my family history (grandmother also had breast cancer). It was asked that I get genetic testing done because this could impact my surgical procedure. Now I’m handling the setup on this between helping my mom in her process setting up consults and considering her options because there of course is a lot of crossover to the steps I’ve already completed and am familiar with.
November 1st: Very kind person at cancer genetics calls me, sends me a family history questionnaire to fill out before I can be scheduled to see a genetic counselor. Filled out the questionnaire the same day.
November 8th: Called cancer genetics to check about scheduling, office was not open so left a message. Got a call back later in the day. I have a virtual appointment with a Genetic counselor Tuesday the 14th. Current plan is a mailed saliva genetic test but I’m going to ask if theres anything I can do to get results/materials quicker. If I can’t get results/feedback by December 8th my surgery date may get deferred.
Trying not to stress too much because there is little to nothing I can do about this, and I just don’t want to be sad. I’ve kept telling myself throughout this process to not get excited and not let myself believe anything is solid because something could happen at any time that might mess up my schedule or plan, and If I convince myself I’m in the clear, those changes will hurt a lot more. So far I think thats been a good move, because this really sucks.
My surgery date is still officially scheduled as of now as well as my first post-op. I will also ideally have pre-surgical testing done December 18th should I be cleared by genetics in time (Fingers crossed!)
ALSO! Def lean on friends if/when you can during this process. It can absolutely be challenging, and having a support system is incredibly important and helpful. I’m super lucky to have really lovely and supportive friends that are around to listen to me and send me pictures of stupid little animals.
November 9th: My mama is scheduled for her double mastectomy on December 4th
November 10th: Did some shopping with my mama for recovery supplies for double mastectomy/top surgery. Having watched a million and a half transition/top surgery videos and tiktoks and having read all the blogs and posts and tweets makes you a great support for someone suddenly faced with an upcoming double mastectomy! We might go shopping this weekend for some button ups and zip ups for her, clothes shopping is better done when you can try stuff on
November 14th: Meeting w genetic counselor: Victoria Webb, one of the loveliest medical care workers I’ve ever met. Had a virtual appointment with her to discuss and set up genetic testing. I explained to her about my situation w the proximity of my surgery and tight deadline as well as my willingness to do a blood test instead of a saliva kit to get results quicker. She was so incredibly kind and good with me, ended up being able to do a saliva kit and get results in time she deserves every good thing in life.
December 18th: pre-surgical testing: This was at the main hospital, everyone was really nice but I had a really bad panic attack despite being on Xanax.
The process is sort of like getting a physical. Measurements like weight and blood pressure get taken, lots of preliminary health questions. The people working with me were really kind and I was very open with them about my anxiety, it was visually apparent though anyway because I started crying the second we even started talking about the blood draw.
Once the equipment was actually brought into the room I started to panic. Both of the women working with me were really kind and helpful and tried to distract me and keep me talking the entire time, but I did still have a really horrible panic attack. Every muscle in my body locked up and I lost all my color, took a bit to get back to a spot where I could move and talk properly because my speech was affected too. It was a bit scary but funny to think about in post. Thanked the medical staff for being patient w me as always, a good portion of the anxiety is also guilt about making things harder for them. Got through it tho. Def eat before presurgical if allowed, I didn’t and that probably didn’t help!!
———- SURGERY DAY ————-
January 8th:
Ok so surgery day:
This day was very scary. Got my phone call the Friday prior for my surgery time which ended up being 1pm and I was asked to arrive around 11. Got there at 10 and went in at 10:30.
Called up to check in then in waiting room till someone brought me back to change. I told her right away about my anxiety with the iv bc that’s legit all I could think about. Got changed right after. I was generally shaky and a little disoriented the entire time because I was panicking but everyone was very patient with me. Clothes and belongings go in a bag in a locker and you get two gowns one that faces back and one that faces front. I was given underwear and a pad as well because lucky me I got my period a couple days before my surgery.
The pre-op area is a lot of little cubicles with curtain divider things, blue soft chairs, and medical equipment. Everyone I met and spoke to was very kind, but any time someone even suggested starting my iv I would panic. I was informed it would have to be placed in my hand and that terrified me, I’m especially anxious and sensitive about my hands and fingers. I think doctors and nurses tend to misunderstand exactly where my fear is with needles and ivs. It isn’t the pain that scares me, but the concept of veins and and anything being in them. Even writing this right now is horrible so I’m going to stop w any further detail. I spent the entire two-ish hours of pre-op absolutely terrified about this iv.
I wasn’t really keeping track of time but dr whitehead came in to do markings for surgery. They had cool rainbow socks on,big fan. Having your chest drawn on and just like, moved around n shit is such an experience. Felt bad because I kept losing my balance but doctor Whitehead is cool and I am 98% less scared about them now.
Probably my most favorite person I met during my entire hospital experience was the anesthesiologist. I know he told me what his name was but I couldn’t focus on or retain information at the time. He told me we could essentially put me to sleep with gas before putting the iv in and for the first time in probably a solid week I felt like I could calm down a little. He took a look at my hand and arm to check my veins which always does freak me out a bit but I’m more used to that kind of thing at this point and I know nothing bad is going to happen. One of the nurses came in with the iv equipment and he let her know that were going to wait till in the or which was also incredibly helpful because I absolutely panicked when I saw that little supply kit again.
V nice lady brought me into the or, I’d never been in one before it was cool. They had a little music speaker which was really cool. Took off blue jacket gown and they helped me onto the table. They put a warm blanket over my legs and my chest to help me calm down. Before long they gave me a mask w fun happy sleepy time gas, they let me keep my arms on my chest for a while which was really nice because I was still scared. I started getting loopy pretty fast but I still heard when someone mentioned where the iv equipment was and panicked a little because of that. I remember feeling them take my hand for that but never actually felt anything happen. Just some fear but the gas was v helpful obvi. Someone said they would see me in a little bit, and then I was groggily waking up in recovery.
Recovery was a little rough bc the iv was still there (fully wrapped up so I couldn’t see it though which was rad) but I was still really anxious about it until it was taken out and when it was taken out. For anyone that struggles w this i did not feel them remove it, just the tape. Everything was mentally much easier after that. After a while, going over instructions w parents, a cracker , some ginger ale and some juice, my dad helped me Get dressed and I was helped out to the car in a wheel chair. Ride was smooth bc of remaining numbness and meds except a few Bumps in the road
TOP SURGERY GOTTEN
My post op date was scheduled for Jan 17th and that’s the day I got my drains out followed by several post op check-ins. First week of recovery was miserable but things exponentially approved each day past that, and I went back to school in person two weeks post-op with driving and item-carrying assistance from friends!
Will upload recovery notes at a later date! Feel free to message me with any questions, more than happy to answer and give info! I’m a bit over four months out from surgery now and thriving 🥳

OK, I (World's Laziest Dad!) have a daughter (Apple of My Eye) graduating college (halfway across the country) and she's got her first post college job out East, so she needs a car. First problem is, she doesn't yet have an apartment (she was hoping to have that ironed out before buying the car, but likely won't). We will be paying cash for the car (no loan) so at least that simplifies the car purchase somewhat.
Question #1: For registration purposes, can she put my address (the house she grew up in) even though it's 1000 miles from where we'll buy it and where she'll drive it? Once she does get an apartment, will she then need to do anything like change the registration address?
Question #2: She's always been on my insurance policy (State Farm) which covers my vehicles. Since this will be her first vehicle, should she have her own policy or do I add her vehicle to my policy? Seems like since she'll be so far away it'd be best for her to have her own policy (even if I pay it), that way if she has a claim it doesn't ding me (since she'll be city driving every day, whereas up to now she never has and has only done local suburb type driving).
Question #3: We'll be buying the vehicle somewhere in the Bostonish area (so MA). Anything I need to know about car buying that would differ from what I'm used to (Upper Midwest no-haggle dealers have been where I've bought my last 10+ vehicles)?
Anything I'm missing or not thinking of? I know she'll need to get a driver's license once she gets settled into her apartment (she has one from our state for now though).
Appreciate the help and advice!
GL2U N all U do!

Owning a bike comes with a sense of freedom and convenience, but it also comes with responsibilities, one of which is ensuring its protection through bike insurance. Bike insurance plans offer various levels of coverage, providing financial security in the event of accidents, theft, or other unforeseen circumstances. In this blog, we’ll delve into the coverage offered under bike insurance plans, along with keywords like “bike insurance near me,” “motorbike quote,” “compare bike insurance policy,” “insurance bike compare,” “which bike insurance is best,” and “bike insurance comparison.”

Understanding Bike Insurance Coverage

1. Third-Party Liability Coverage: Every bike insurance plan includes mandatory third-party liability coverage as per the Motor Vehicles Act. This covers any damages or injuries caused to third parties or their property by your bike.
2. Own Damage Coverage: Own damage coverage is optional but highly recommended. It provides protection against damages to your bike due to accidents, natural calamities like floods or earthquakes, or man-made disasters like vandalism.
3. Personal Accident Cover: Many bike insurance plans offer personal accident cover for the owner-driver, providing financial compensation in case of accidental death or disability while riding the insured bike.
4. Comprehensive Coverage: Comprehensive bike insurance plans offer the most extensive coverage, combining third-party liability, own damage, and personal accident cover. This provides all-round protection for your bike and your financial interests.

Key Features of Bike Insurance Plans

1. Add-On Covers: Bike insurance plans often come with add-on covers that can be customized to suit your specific needs. These may include zero depreciation cover, roadside assistance, engine protection, and more.
2. No Claim Bonus (NCB): Insurers offer a no claim bonus for every claim-free year, reducing your premium amount at the time of policy renewal. This encourages safe riding and responsible behavior.
3. Cashless Claim Settlement: Many bike insurance providers offer cashless claim settlement at network garages, making the claim process hassle-free and convenient for policyholders.
4. Online Policy Renewal: With the advent of digitalization, renewing your bike insurance policy has become quick and easy. Most insurers offer online renewal facilities, allowing you to renew your policy with just a few clicks.

How to Choose the Best Bike Insurance Plan

1. Evaluate Coverage Needs: Assess your coverage requirements based on factors like the type of bike you own, your riding habits, and the level of protection you desire.
2. Compare Policies: Use online comparison tools to compare bike insurance policies from different insurers. Compare premiums, coverage features, add-on options, and claim settlement ratios before making a decision.
3. Read Policy Terms: Carefully read the policy terms and conditions, including exclusions and limitations, to ensure you understand what is covered and what is not.
4. Check Insurer Reputation: Choose a reputable insurance provider with a good track record of claim settlement and customer service. Read reviews and testimonials to gauge customer satisfaction levels.

Conclusion

Bike insurance plans offer essential financial protection for bike owners, covering them against various risks and uncertainties on the road. From mandatory third-party liability coverage to comprehensive policies with extensive benefits, there are options to suit every rider’s needs. By understanding the coverage options, comparing policies, and choosing a reliable insurer, you can ensure your bike and your financial interests are well-protected, providing you with peace of mind every time you hit the road. Remember to conduct thorough research and select the bike insurance plan that best meets your requirements and budget.

On the 15th of April, 2024, I had a workplace injury occur that involved a vehicle transmission falling directly on top of my foot while unloading it to be transferred to a core return box. Luckily it did not break any bones. However, I was required to be seen by an Orthopedic Specialist under the hospitals' guidance and recommendation. I went to my scheduled appointment on May 1st, with Worker's Comp info ready to be provided, I received a multitude of x-rays and a professional evaluation conducted in the office by the Orthopedic Surgeon. To add an extra bit of information, I was born with a disease called CMT (Charcot-Marie-Tooth) Disease, which belongs to a family of Neurological Diseases, a type of hereditary motor and sensory neuropathy. The disease affects my feet mostly, as I have severely high arches and difficulty with balance and walking. When the Ortho. Specialist conducted his review, his directive was that the surgery would be necessary, as the injury that I sustained at work will cause me more issues later in life if it isn't corrected within the next few years. What was relayed to me during that appointment was that the surgery would need to be for both of my feet, over a period of about a year, that includes surgery, recovery and rehabilitation, and then post-op evaluations and testing. I was told at the office that I'd be receiving a phone call about the surgery and such within a few days, as they would have to go back and forth with the examiners of the claim, which was to be expected. I waited quite a while for a phone call, it was roughly a week before I finally received a phone call from the surgeons' office about waiting to hear back from the Claims Examiner that is a part of the business I work for. They told me that it'd be a few more days before any more info could be provided, as they (the surgeons' office) were waiting to hear back from Sedgwick.
Fast forward to yesterday, at 11:07 AM EST May 13th, I received a text saying that my examiner (through Sedgwick) has been changed to a different person. I didn't really think much of it, but I had a feeling at some point that I'd be hearing from them later on in the day. I went into work at about 4 PM, and by 4:30PM a phone call came in directly from Sedgwick, to tell me that my claim has been denied. They said that, and I quote, "We've never heard of this disease before, we don't see that it has anything to do with the injury you received at work, but you don't have any broken bones which is good.." The lady asked if I had any questions or concerns, and I vaguely remember replying with a statement of my family's history with the disease and how it has affected them, and how it affects me during my day to day, and they made the comparison that "Orthopedics are a lot like Chiropractors, those fields aren't really a category we assist with" or something similar to that statement. I was in a bit of shock when I spoke to the examiner, so most of the things they said have been forgotten. I tried going back to my claims info through Sedgwick and I'm no longer able to access it, it just keeps saying that I'd have to contact customer support, or speak with someone in my HR Dept. My manager, and several other people within my immediate circle have all expressed to me to get a 2nd opinion, contact a lawyer, contact a different examiner for workers comp, go through the state for assistance etc..
I'm just trying to figure out what steps I need to take in order to receive the assistance that I need. I am 28 years old, I still have such a strong desire to continue working, I am not a quitter, I do not like giving up. But this situation really put me down, and I am honestly dreading going to work now, I just feel so defeated. Any and all recommendations will gladly be accepted.

So I am about 75% sure I eventually want a total hysterectomy - uterus, ovaries, everything yeeted - but I have not begun to pursue anything yet with my doc because I’d like to be more sure than that before I do it. I’m a relatively healthy dude in my late 20s so I’m thinking I should probably pull the trigger sooner rather than later, because the older I get the longer and harder recovery is gonna be. I just have a few questions for people who have been through it.

1. What was recovery like? How long, how difficult, how painful?
   
2. Did you notice any additional physical changes after getting your ovaries removed? I’ve seen studies showing evidence that testosterone increases and estrogen decreases after oophorectomy and I’m honestly wondering if still having my ovaries is part of the reason I didn’t physically transition that much despite being 8 years on T (voice still gets me ma’amed on the phone and I look like a 16 year old boy ffs). For anyone that did notice changes after, how long had you been on T when you had the surgery and when did you see changes?
   
3. Did you feel better after? Worse? The same? Again, mostly wondering if the hormonal difference is significant enough to be noticeable, but also just in general - did it improve your life/mood/dysphoria/etc? My husband is also trans so I would not be doing it as a means of birth control and would be interested for the other benefits only.
   
4. Do you still take T? If you stopped taking it after the hysterectomy did you notice any difference in your mood/body/etc?
   
5. What was the process like getting approved for the surgery? How long did it take/what did you need to do? Did insurance cover it?
   

Any other input is also appreciated, I don’t know much at all about this since the only major surgery I’ve ever had was top and that only touched soft tissue.

I (37M) spend most of my time working at a desk or chasing after and picking up little, wriggling children. Over time, these activities have taken a toll on my body. There’s just a baseline level of pain and discomfort to it. I try to lift weights and stay active as best I can, but it only helps so much.
So, in the interest of trading money for an improved quality of life, I’m considering finding a chiropractor to see regularly. Someone who’s an expert in functional movements and common ways those patterns get messed up. Someone who can guide me through some root cause analysis for my pain, and get me pain-free again. But, for whatever reason, these types of practitioners are, for insurance purposes, rarely in-network. So it’s going to be expensive. I hate that.
I assume the physical issues I’m having are endemic to workaholics (read: HENRYs). So my questions to this group are:

1. Who here has had a positive experience seeing a chiropractor for general, overall health and wellness (as opposed to a specific issue, like back pain)? How did it play out? How has your life improved? Hearing such experiences will probably help convince me to take to time to seek a good one out.
2. How would I know a good chiropractor from a bad one? What should I be on the lookout for? There are schools and certs and such, to be sure, but I don’t really know the good ones from the bad. And there’s a lot of variability in the field.

Specific recommendations (bay area) are great too, although not exactly what I’m here for.
**EDIT** Okay, apparently the term 'chiropractor' is quite loaded, and probably isn't exactly what I meant anyway. I'm more looking for someone who's an expert in functional movements and can help me understand what about my movement patterns is causing the pain. Doesn't need to be a chiropractor. Previously I've tried to working with physical therapists and trainers, but I haven't found them to be particularly beneficial in this regard. Most physical therapists I've found specialize in trauma/surgery recovery (which I thankfully don't need) and most trainers I've seen tend to focus on specific sports or sport-related movement types- not everyday sorts of movement patterns.
If there's some other professional field I should be investigating here, I'd appreciate a pointer.

This is a very long one.
I (19f) have been in and out of long term/short term facilities since I was 12 years old. I’ve had suicide attempts and have been diagnosed with major depressive disorder. This is definitely not my first experience with a therapist. Over the years I’ve had over 6+. Not because they haven’t worked for me all the time, but because they either move onto another facility or I move onto another phase in life.
Last year I adopted a new therapist “Mere” thanks to my older sister “North”. My current Therapist “Tina” who I’ve been working with for the past 3 and a half years, switched to a facility where my insurance only covers 30 min sessions. North didn’t think that was enough for me at the time since I wasn’t doing so well mentally. The therapist she recommended worked closely with her own and offered 1hr long sessions, so I agreed wanting to try something new since my old therapist seemed to not specialize in trauma and ptsd. Kerr was highly recommended for those topics.
We started our sessions not soon after my sister offered. The first couple months were hard. Our personalities seemed to clash. Not because mine was bad, but because I was deeply depressed. I was not a joy to be around and everyone seemed annoyed with my constant melancholy. Even my therapists seemed sick of me.
Over time I learned to adapt my personality to be more palatable. My therapists loved it now that I was interacting with them and making jokes. I treated them more like friends now instead of therapists and they seemed to appreciate that. I found it funny because a lot of my issues I explained to them was faking my personality to fit into the crowd and adapt. Due to me being f a people pleaser. They didn’t see anything wrong with the change since I seemed to be getting better mentally.
I was better. I wouldn’t attribute much of my success to my therapists tho. It was nice to have someone to talk to since at the time I had no friends, but they didn’t seem to know how to handle my constant depression so I started to hide it from them. Even from myself. Over time I was able to function a lot better. I switched my sessions to only once every two weeks and I was planning on ending them all together since I was doing so well on my own and haven’t need much help in a while.
It seems that I ah e bad luck. Right when I was at my peak recovery and condition, I was raped on the first day of the new year. I spiraled back into my deep deep deep depression worse than any other relapse I had before. I survived on Benadryl and ice cream for weeks. I took the pills so I didn’t have to be awake to long. I ate only food that I liked the most (mainly unhealthily) my health declined.
My mental health was the worst of it tho. The day after the rape occurred I had a session with my newer therapist. I start telling her the details of my assault. The shock was still fresh in my brain and my memories were scrambled. I greatly blamed myself. I thought I was the weirdo.
Mere only confirmed my sentiments. Before I could fully list out the details of the night it happened she immediately started to spew accusations of my intentions that night. Saying phrases like “Well when someone is pleasuring you it’s hard to say no and there’s nothing wrong with that”
I shut up then and just agreed with her but something still didn’t sit right with me. I went on Reddit and there was mixed opinions about it. A lot of ppl validated my feelings and others thought It was my fault. After fully processing this event and fully remembering it in its entirety I can say confidently that what happened to me was rape.
The next session we had I was able to tell the full story. Mede had just said “Oh. Well you didn’t mention all this before. That’s definitely not ok”. The thing is tho, she was the one to cut me off and make assumptions instead of trying to pull out the full story. She knew I had extreme ptsd and I probably wouldn’t be able to give an in-depth detailed explanation of what happened. She still insulted me anyway and brushed me off.
I thought this to be weird but I brushed it off. When you think k you’re in the presence of a professional you don’t often question things especially if you aren’t in the mental space to do so. So ignored her.
There have been times where she’s been short with me. One time she had asked to switch a 12pm session to 5pm. When I refused she said she’d have to charge me a cancellation fee. It seemed that she just wanted to get paid for that session still and wanted to guilt me into paying. I refused and explained that she was the one who cancelled on me and she immediately backed down realizing I wouldn’t be easily pushed around. I didn’t think much of it then.
Another time. I had gone to this tattoo parlor to get my belly button pierced. I took videos and pictures of the process. She requested in our session that week to see the pictures. I agreed to send and emailed them to her in two emails. In one there was all the pictures of the parlor, the. The other had the videos of the full process. Accidentally I had added one singular picture of me. I was at school and I took a picture in the schools bathroom. There was nothing indecent about it I just accidentally pressed on that picture as I was sending the others. IT happened a lot when using your iPhone to email and I didn’t really notice.
She brought it up the next session and started to berate me for sending that singular pic out of all the obvious other intended pictures. She said it’s inappropriate to send her pictures of myself. I explained to her the accident and she seemed shocked. All she said was “oh well ok”. I don’t know why she got so triggered I’ve always kept good boundaries with her. I can’t believe she immediately started accusing me for one picture of me posing in the mirror while having a turtle neck in a jacket and everything.
Those are just a few of the shady things she’s done. Now back to current time. After I was raped. I still continued sessions with her and tried to get back on track. She wasn’t really helping. I would have extreme panic attacks on therapy video calls with her and she seemed at loss of what to do. I distanced myself from her and I started to get a little better, but then I started to have issues with some of my friends. That added onto my load of issues and started to push me to the edge.
I called my therapist the night of my attempt. I try not to call her after hours but I was in genuine crisis. I had spent the whole day being practically verbally abused by one of my friends. I was cracking slowly it surely and I reached out for help.
Otp I expressed to her how I felt betrayed by everyone around me. I asked her why everyone felt it was ok to treat me wrong whenever. Why wasn’t I able to find peace? Why I couldn’t find ppl who cared? My parents are emotionally abusive as well. That all stems into my ppl pleasing habits. I’ve let a lot of ppl take advantage of my nature because I’ve been conditioned to since birth. She knows my history and why I am the way I am. Instead of consoling me she yelled at me. “Well you knew they were bad ppl!” “If you knew they were bad ppl why are you blaming them you just need to stop hanging around bad ppl”. She then told me she had to go and hung up. She did ask me if I was safe but of course I lied. She knows I always try to see the best in ppl. I don’t see the bad till it’s too late most times. Her words stung like acid. I had been prescribed some sedatives to calm me during panic attacks. I had taken two but they weren’t helping. After that call I took the whole bottle. I didn’t want to die alone so I called my mother to stay in my room with me. Then I drifted into a deep sleep for hours into the next day’s afternoon. I had fallen asleep around 10 pm. I woke up the next day around 3pm still kicking but disordered.
I spent two weeks in a mental hospital. During that time I do t have access to my phone. I had my sister contact everyone that needed to be. Even Mere. She knew I was in there. I didn’t call her while I was there bc I was still upset at her after everything.
I was discharged but I didn’t set up a session for weeks. She emailed and called me once but I didn’t respond till I was fully settled back into my routine and okay enough to talk to her. I emailed her this
“Hallo, Sorry. I didn’t mean to ghost you. I just needed some time to get myself together. I called you just now. You are probably busy. I hope everything is doing well on your end. Sorry again. Sent from my iPhone”
I had planned to set up an appointment in the future to talk to her about everything but by the time I checked my patient portal a week or so later I had been discharged with no warning. No calm text or email.
I set up a meeting with her over the phone for 45 mins. When she first came onto the call the first thing she said was “I saw that you put our appointment for 45 mins. I changed it to 30 bc you know I did discharge you”. I thought it was pretty rude so instead of explaining everything I told her about how I didn’t have my phone in the hospital and the hospital themselves didn’t notify her because they were disorganized and were extremely unprofessional. It’s not like she wasn’t updated by my sisters anyway. When I got my phone after I got home I saw texts from her asking if I was still having a session with her. Knowing that I was in the hospital. It seemed she either didn’t care or didn’t believe I was in the hospital. In fact when she had spoken over the phone with one of my sisters she had lied to them about that night. She had told her “After I got otp with her I immediately started praying for her because I m ew something was deeply wrong” how delusional of her to say after she yelled at me and hung up.
Anyway after I explained my reasoning for going MIA she started to realize how fucked up she was and asked me how I was doing. I didn’t say much because I was done with her and she obviously didn’t intend of hearing the full story since she shortened our session. She started asking me why I didn’t want to continue therapy and seemed confused why I didn’t seem to beg her to re admit me. I told her I was done with therapy. She seemed concerned and said that she discharged me because she thought it’d be better for me to find an in person therapist. I knew it was a shitty excuse. I quickly hang up on her and don’t address anything.
I’m only processing this now because I’ve had much bigger things going on. I’m only now realizing how fucked up her behavior was. If I hadn’t spoken to her the night of my attempt I probably wouldn’t have tried to kill myself. I feel cheated out of help. I don’t feel angry at her I have to reserve that for someone more worthy of my rage. I only wished she didn’t use the fact that I would never call her out on her behavior usually. She knew my temperament and took advantage of that. I don’t think I’ll ever trust a therapist again. She victim blamed me, mocked me, berated me in my time of need, and then abandoned me on baseless assumptions that could’ve been easily cleared up if she actually listened to what my sisters and I were saying. She didn’t even say sorry when we were talking. Or express any remorse besides embarrassment for jumping to conclusions. SMH.
TLDR: My therapist berated me for trusting ppl in my life the night of my suicide attempt. Then Discharged me from her care without consulting me first. Blamed me for all her mistakes and jumped to conclusions randomly then never apologized for the baseless accusations. I am at a loss for words and at a loss for trust in therapy again.

This is a very long one. Trigger warning ⚠️
I (19f) have been in and out of long term/short term facilities since I was 12 years old. I’ve had suicide attempts and have been diagnosed with major depressive disorder. This is definitely not my first experience with a therapist. Over the years I’ve had over 6+. Not because they haven’t worked for me all the time, but because they either move onto another facility or I move onto another phase in life.
Last year I adopted a new therapist “Mere” thanks to my older sister “North”. My current Therapist “Tina” who I’ve been working with for the past 3 and a half years, switched to a facility where my insurance only covers 30 min sessions. North didn’t think that was enough for me at the time since I wasn’t doing so well mentally. The therapist she recommended worked closely with her own and offered 1hr long sessions, so I agreed wanting to try something new since my old therapist seemed to not specialize in trauma and ptsd. Kerr was highly recommended for those topics.
We started our sessions not soon after my sister offered. The first couple months were hard. Our personalities seemed to clash. Not because mine was bad, but because I was deeply depressed. I was not a joy to be around and everyone seemed annoyed with my constant melancholy. Even my therapists seemed sick of me.
Over time I learned to adapt my personality to be more palatable. My therapists loved it now that I was interacting with them and making jokes. I treated them more like friends now instead of therapists and they seemed to appreciate that. I found it funny because a lot of my issues I explained to them was faking my personality to fit into the crowd and adapt. Due to me being f a people pleaser. They didn’t see anything wrong with the change since I seemed to be getting better mentally.
I was better. I wouldn’t attribute much of my success to my therapists tho. It was nice to have someone to talk to since at the time I had no friends, but they didn’t seem to know how to handle my constant depression so I started to hide it from them. Even from myself. Over time I was able to function a lot better. I switched my sessions to only once every two weeks and I was planning on ending them all together since I was doing so well on my own and haven’t need much help in a while.
It seems that I ah e bad luck. Right when I was at my peak recovery and condition, I was raped on the first day of the new year. I spiraled back into my deep deep deep depression worse than any other relapse I had before. I survived on Benadryl and ice cream for weeks. I took the pills so I didn’t have to be awake to long. I ate only food that I liked the most (mainly unhealthily) my health declined.
My mental health was the worst of it tho. The day after the rape occurred I had a session with my newer therapist. I start telling her the details of my assault. The shock was still fresh in my brain and my memories were scrambled. I greatly blamed myself. I thought I was the weirdo.
Mere only confirmed my sentiments. Before I could fully list out the details of the night it happened she immediately started to spew accusations of my intentions that night. Saying phrases like “Well when someone is pleasuring you it’s hard to say no and there’s nothing wrong with that”
I shut up then and just agreed with her but something still didn’t sit right with me. I went on Reddit and there was mixed opinions about it. A lot of ppl validated my feelings and others thought It was my fault. After fully processing this event and fully remembering it in its entirety I can say confidently that what happened to me was rape.
The next session we had I was able to tell the full story. Mede had just said “Oh. Well you didn’t mention all this before. That’s definitely not ok”. The thing is tho, she was the one to cut me off and make assumptions instead of trying to pull out the full story. She knew I had extreme ptsd and I probably wouldn’t be able to give an in-depth detailed explanation of what happened. She still insulted me anyway and brushed me off.
I thought this to be weird but I brushed it off. When you think k you’re in the presence of a professional you don’t often question things especially if you aren’t in the mental space to do so. So ignored her.
There have been times where she’s been short with me. One time she had asked to switch a 12pm session to 5pm. When I refused she said she’d have to charge me a cancellation fee. It seemed that she just wanted to get paid for that session still and wanted to guilt me into paying. I refused and explained that she was the one who cancelled on me and she immediately backed down realizing I wouldn’t be easily pushed around. I didn’t think much of it then.
Another time. I had gone to this tattoo parlor to get my belly button pierced. I took videos and pictures of the process. She requested in our session that week to see the pictures. I agreed to send and emailed them to her in two emails. In one there was all the pictures of the parlor, the. The other had the videos of the full process. Accidentally I had added one singular picture of me. I was at school and I took a picture in the schools bathroom. There was nothing indecent about it I just accidentally pressed on that picture as I was sending the others. IT happened a lot when using your iPhone to email and I didn’t really notice.
She brought it up the next session and started to berate me for sending that singular pic out of all the obvious other intended pictures. She said it’s inappropriate to send her pictures of myself. I explained to her the accident and she seemed shocked. All she said was “oh well ok”. I don’t know why she got so triggered I’ve always kept good boundaries with her. I can’t believe she immediately started accusing me for one picture of me posing in the mirror while having a turtle neck in a jacket and everything.
Those are just a few of the shady things she’s done. Now back to current time. After I was raped. I still continued sessions with her and tried to get back on track. She wasn’t really helping. I would have extreme panic attacks on therapy video calls with her and she seemed at loss of what to do. I distanced myself from her and I started to get a little better, but then I started to have issues with some of my friends. That added onto my load of issues and started to push me to the edge.
I called my therapist the night of my attempt. I try not to call her after hours but I was in genuine crisis. I had spent the whole day being practically verbally abused by one of my friends. I was cracking slowly it surely and I reached out for help.
Otp I expressed to her how I felt betrayed by everyone around me. I asked her why everyone felt it was ok to treat me wrong whenever. Why wasn’t I able to find peace? Why I couldn’t find ppl who cared? My parents are emotionally abusive as well. That all stems into my ppl pleasing habits. I’ve let a lot of ppl take advantage of my nature because I’ve been conditioned to since birth. She knows my history and why I am the way I am. Instead of consoling me she yelled at me. “Well you knew they were bad ppl!” “If you knew they were bad ppl why are you blaming them you just need to stop hanging around bad ppl”. She then told me she had to go and hung up. She did ask me if I was safe but of course I lied. She knows I always try to see the best in ppl. I don’t see the bad till it’s too late most times. Her words stung like acid. I had been prescribed some sedatives to calm me during panic attacks. I had taken two but they weren’t helping. After that call I took the whole bottle. I didn’t want to die alone so I called my mother to stay in my room with me. Then I drifted into a deep sleep for hours into the next day’s afternoon. I had fallen asleep around 10 pm. I woke up the next day around 3pm still kicking but disordered.
I spent two weeks in a mental hospital. During that time I do t have access to my phone. I had my sister contact everyone that needed to be. Even Mere. She knew I was in there. I didn’t call her while I was there bc I was still upset at her after everything.
I was discharged but I didn’t set up a session for weeks. She emailed and called me once but I didn’t respond till I was fully settled back into my routine and okay enough to talk to her. I emailed her this
“Hallo, Sorry. I didn’t mean to ghost you. I just needed some time to get myself together. I called you just now. You are probably busy. I hope everything is doing well on your end. Sorry again. Sent from my iPhone”
I had planned to set up an appointment in the future to talk to her about everything but by the time I checked my patient portal a week or so later I had been discharged with no warning. No calm text or email.
I set up a meeting with her over the phone for 45 mins. When she first came onto the call the first thing she said was “I saw that you put our appointment for 45 mins. I changed it to 30 bc you know I did discharge you”. I thought it was pretty rude so instead of explaining everything I told her about how I didn’t have my phone in the hospital and the hospital themselves didn’t notify her because they were disorganized and were extremely unprofessional. It’s not like she wasn’t updated by my sisters anyway. When I got my phone after I got home I saw texts from her asking if I was still having a session with her. Knowing that I was in the hospital. It seemed she either didn’t care or didn’t believe I was in the hospital. In fact when she had spoken over the phone with one of my sisters she had lied to them about that night. She had told her “After I got otp with her I immediately started praying for her because I m ew something was deeply wrong” how delusional of her to say after she yelled at me and hung up.
Anyway after I explained my reasoning for going MIA she started to realize how fucked up she was and asked me how I was doing. I didn’t say much because I was done with her and she obviously didn’t intend of hearing the full story since she shortened our session. She started asking me why I didn’t want to continue therapy and seemed confused why I didn’t seem to beg her to re admit me. I told her I was done with therapy. She seemed concerned and said that she discharged me because she thought it’d be better for me to find an in person therapist. I knew it was a shitty excuse. I quickly hang up on her and don’t address anything.
I’m only processing this now because I’ve had much bigger things going on. I’m only now realizing how fucked up her behavior was. If I hadn’t spoken to her the night of my attempt I probably wouldn’t have tried to kill myself. I feel cheated out of help. I don’t feel angry at her I have to reserve that for someone more worthy of my rage. I only wished she didn’t use the fact that I would never call her out on her behavior usually. She knew my temperament and took advantage of that. I don’t think I’ll ever trust a therapist again. She victim blamed me, mocked me, berated me in my time of need, and then abandoned me on baseless assumptions that could’ve been easily cleared up if she actually listened to what my sisters and I were saying. She didn’t even say sorry when we were talking. Or express any remorse besides embarrassment for jumping to conclusions. SMH.
TLDR: My therapist berated me for trusting ppl in my life the night of my suicide attempt. Then Discharged me from her care without consulting me first. Blamed me for all her mistakes and jumped to conclusions randomly then never apologized for the baseless accusations. I am at a loss for words and at a loss for trust in therapy again.

For context: I was born into a failing family. My dad is a rageful alcoholic with food addiction and hoarding issues. He could be cold and cruel. My mom fluctuated and is inconsistently reliable. At her best, she is warm, nurturing and funny. But she can be vulnerable, manipulative and controlling or distant and in-her-own-little-world at times as well. My elder sibling was resentful of any attention I received and bullied me regularly. When we were very young, my elder sibling violated my physical boundaries intimately in a way I believe left me with long-term fallout that my parents failed to notice due to their self-absorption.
In early childhood I was "painfully shy," even going so far as to hide under furniture when family or friends would visit. I failed my preschool screening not because I could not answer the questions correctly, but because I refused to speak to the person administering it.
We had a turbulent childhood--a messy divorce between our parents, during which we were more pawns than kids, and so much moving around I lose track of how many times I was "new kid." When I started getting bullied for seeming gay (I wasn't out yet, even to myself) in high school my parents didn't notice, even though I went from A student to failing list one semester.
In those preteen years, I started seeing a ton of doctors for what my mom believed was physical distress but what I clearly felt was mental. I went on and off of tons of anxiety meds and antidepressants, but eventually tapered off when I went to college.
Though I flourished as much as was possible for me in college, I was still basically living a half-life. An obsessive amount of worrying went into all the possible ways of humiliating myself. I had very pathological plans to make it to "safe" bathrooms. I went through a huge amount of panic when the university suggested that they might require me to live on campus and share a room (I got out of it). I could not take the kinds of jobs my friends were working in retail and restaurants, only a campus job with very few hours and very little pay because it allowed me to dip out before the panic set in and reasonable access to a bathroom.
When I went to grad school, things got even worse. Insomnia set in. The only night I was guaranteed a full sleep was Friday because I had no obligations on Saturday. I wandered through life as a zombie, clumsy, foggy and with extremely heightened fight-or-flight due to the sleep deprivation. Sometimes I would call in sick because I could not operate my vehicle. In classes where all graded assignments were written, I got straight As. My only Bs came from classes with midterm and endterm final exams, because I was in such a panic being wedged in between two people in silence for three hours that I would not be able to devote my full attention to the exam.
I collapsed and had to return home, where I languished for a year or so. I returned to academia, where I clung on by the skin of my teeth for several years but it was the same exact story: caught between a deep loneliness and desire for belonging and a deeper fear of rejection and utter discomfort in social settings. The insomnia returned and I burned out.
I have been in therapy three times. Once for several months between stints in academia. Once during a grad program to help cope. And most recently for two years during my second languishing period.
I am horrified by how long I've struggled with "launching." I've been seeking help for this life-ruining social anxiety problem since I was a preteen. People have known I have had a deep fear of others since I was a child. It has been so terribly lonely and there have been low moments I've felt so hopeless about ever being to sustain a life in the ways that matter that I have called hotlines. This has probably been fewer than five, but it's been happening since I was eighteen or nineteen.
I feel like every resource I visit underestimates how pervasive this is in my life. If I am correct, the pervasiveness and enduring nature of something like this is precisely what makes it a personality disorder. This has been permanent for me, and even the most recent two years of therapy have not budged me much. Yet no authority has ever made an official diagnosis, not even for anxiety and depression.
It stresses me out, because I can see the severe consequences of this and I worry at times they're endangeirng my very life, but all authorities seem to be somewhat dismissive or act like what I'm going through is typical and something everyone deals with. I'm not insured, so if an emergency happens I'm probably broke for life. I was considering my situation today. I'm wearing glasses with one leg broken off because I can't afford to replace them. I haven't had my hair cut since Christmas because I live in a small town and don't want to answer personal questions from the barber. I have about one pair of jeans and a hoodie that fit. The last time I went to the dentist they said I had bone loss because I wasn't visiting enough. When I get sick I try to wait things out because I'm both terrified of being in public, answering employment questions to the receptionists and also because I can't afford it.
At what point does it stop being "shyness" or even social anxiety? When can we admit that this is something worth naming?
I came across this subreddit via the comments section of a post linking to an article about AvPD. The article discussed the disorder and how it was understudied. It profiled some people who'd been diagnosed with it, and I have never related to anything so much in my life, especially the paradox of wanting to belong but sabotaging all attempts to try. I cried when I read it and came here immediately.
Anyway, I'm sorry for the novel. If you've made it this far, thank you so much for letting me vent. I suspect many people on this sub might be people like myself who simply haven't had doctors, therapists or psychiatrists who recognize how extensive this pattern goes. I hope you all are able to find full care that treats all the many manifestations of this terrible thing we're struggling with.

This is a very long one.
I (19f) have been in and out of long term/short term facilities since I was 12 years old. I’ve had suicide attempts and have been diagnosed with major depressive disorder. This is definitely not my first experience with a therapist. Over the years I’ve had over 6+. Not because they haven’t worked for me all the time, but because they either move onto another facility or I move onto another phase in life.
Last year I adopted a new therapist “Mere” thanks to my older sister “North”. My current Therapist “Tina” who I’ve been working with for the past 3 and a half years, switched to a facility where my insurance only covers 30 min sessions. North didn’t think that was enough for me at the time since I wasn’t doing so well mentally. The therapist she recommended worked closely with her own and offered 1hr long sessions, so I agreed wanting to try something new since my old therapist seemed to not specialize in trauma and ptsd. Kerr was highly recommended for those topics.
We started our sessions not soon after my sister offered. The first couple months were hard. Our personalities seemed to clash. Not because mine was bad, but because I was deeply depressed. I was not a joy to be around and everyone seemed annoyed with my constant melancholy. Even my therapists seemed sick of me.
Over time I learned to adapt my personality to be more palatable. My therapists loved it now that I was interacting with them and making jokes. I treated them more like friends now instead of therapists and they seemed to appreciate that. I found it funny because a lot of my issues I explained to them was faking my personality to fit into the crowd and adapt. Due to me being f a people pleaser. They didn’t see anything wrong with the change since I seemed to be getting better mentally.
I was better. I wouldn’t attribute much of my success to my therapists tho. It was nice to have someone to talk to since at the time I had no friends, but they didn’t seem to know how to handle my constant depression so I started to hide it from them. Even from myself. Over time I was able to function a lot better. I switched my sessions to only once every two weeks and I was planning on ending them all together since I was doing so well on my own and haven’t need much help in a while.
It seems that I ah e bad luck. Right when I was at my peak recovery and condition, I was raped on the first day of the new year. I spiraled back into my deep deep deep depression worse than any other relapse I had before. I survived on Benadryl and ice cream for weeks. I took the pills so I didn’t have to be awake to long. I ate only food that I liked the most (mainly unhealthily) my health declined.
My mental health was the worst of it tho. The day after the rape occurred I had a session with my newer therapist. I start telling her the details of my assault. The shock was still fresh in my brain and my memories were scrambled. I greatly blamed myself. I thought I was the weirdo.
Mere only confirmed my sentiments. Before I could fully list out the details of the night it happened she immediately started to spew accusations of my intentions that night. Saying phrases like “Well when someone is pleasuring you it’s hard to say no and there’s nothing wrong with that”
I shut up then and just agreed with her but something still didn’t sit right with me. I went on Reddit and there was mixed opinions about it. A lot of ppl validated my feelings and others thought It was my fault. After fully processing this event and fully remembering it in its entirety I can say confidently that what happened to me was rape.
The next session we had I was able to tell the full story. Mede had just said “Oh. Well you didn’t mention all this before. That’s definitely not ok”. The thing is tho, she was the one to cut me off and make assumptions instead of trying to pull out the full story. She knew I had extreme ptsd and I probably wouldn’t be able to give an in-depth detailed explanation of what happened. She still insulted me anyway and brushed me off.
I thought this to be weird but I brushed it off. When you think k you’re in the presence of a professional you don’t often question things especially if you aren’t in the mental space to do so. So ignored her.
There have been times where she’s been short with me. One time she had asked to switch a 12pm session to 5pm. When I refused she said she’d have to charge me a cancellation fee. It seemed that she just wanted to get paid for that session still and wanted to guilt me into paying. I refused and explained that she was the one who cancelled on me and she immediately backed down realizing I wouldn’t be easily pushed around. I didn’t think much of it then.
Another time. I had gone to this tattoo parlor to get my belly button pierced. I took videos and pictures of the process. She requested in our session that week to see the pictures. I agreed to send and emailed them to her in two emails. In one there was all the pictures of the parlor, the. The other had the videos of the full process. Accidentally I had added one singular picture of me. I was at school and I took a picture in the schools bathroom. There was nothing indecent about it I just accidentally pressed on that picture as I was sending the others. IT happened a lot when using your iPhone to email and I didn’t really notice.
She brought it up the next session and started to berate me for sending that singular pic out of all the obvious other intended pictures. She said it’s inappropriate to send her pictures of myself. I explained to her the accident and she seemed shocked. All she said was “oh well ok”. I don’t know why she got so triggered I’ve always kept good boundaries with her. I can’t believe she immediately started accusing me for one picture of me posing in the mirror while having a turtle neck in a jacket and everything.
Those are just a few of the shady things she’s done. Now back to current time. After I was raped. I still continued sessions with her and tried to get back on track. She wasn’t really helping. I would have extreme panic attacks on therapy video calls with her and she seemed at loss of what to do. I distanced myself from her and I started to get a little better, but then I started to have issues with some of my friends. That added onto my load of issues and started to push me to the edge.
I called my therapist the night of my attempt. I try not to call her after hours but I was in genuine crisis. I had spent the whole day being practically verbally abused by one of my friends. I was cracking slowly it surely and I reached out for help.
Otp I expressed to her how I felt betrayed by everyone around me. I asked her why everyone felt it was ok to treat me wrong whenever. Why wasn’t I able to find peace? Why I couldn’t find ppl who cared? My parents are emotionally abusive as well. That all stems into my ppl pleasing habits. I’ve let a lot of ppl take advantage of my nature because I’ve been conditioned to since birth. She knows my history and why I am the way I am. Instead of consoling me she yelled at me. “Well you knew they were bad ppl!” “If you knew they were bad ppl why are you blaming them you just need to stop hanging around bad ppl”. She then told me she had to go and hung up. She did ask me if I was safe but of course I lied. She knows I always try to see the best in ppl. I don’t see the bad till it’s too late most times. Her words stung like acid. I had been prescribed some sedatives to calm me during panic attacks. I had taken two but they weren’t helping. After that call I took the whole bottle. I didn’t want to die alone so I called my mother to stay in my room with me. Then I drifted into a deep sleep for hours into the next day’s afternoon. I had fallen asleep around 10 pm. I woke up the next day around 3pm still kicking but disordered.
I spent two weeks in a mental hospital. During that time I do t have access to my phone. I had my sister contact everyone that needed to be. Even Mere. She knew I was in there. I didn’t call her while I was there bc I was still upset at her after everything.
I was discharged but I didn’t set up a session for weeks. She emailed and called me once but I didn’t respond till I was fully settled back into my routine and okay enough to talk to her. I emailed her this
“Hallo, Sorry. I didn’t mean to ghost you. I just needed some time to get myself together. I called you just now. You are probably busy. I hope everything is doing well on your end. Sorry again. Sent from my iPhone”
I had planned to set up an appointment in the future to talk to her about everything but by the time I checked my patient portal a week or so later I had been discharged with no warning. No calm text or email.
I set up a meeting with her over the phone for 45 mins. When she first came onto the call the first thing she said was “I saw that you put our appointment for 45 mins. I changed it to 30 bc you know I did discharge you”. I thought it was pretty rude so instead of explaining everything I told her about how I didn’t have my phone in the hospital and the hospital themselves didn’t notify her because they were disorganized and were extremely unprofessional. It’s not like she wasn’t updated by my sisters anyway. When I got my phone after I got home I saw texts from her asking if I was still having a session with her. Knowing that I was in the hospital. It seemed she either didn’t care or didn’t believe I was in the hospital. In fact when she had spoken over the phone with one of my sisters she had lied to them about that night. She had told her “After I got otp with her I immediately started praying for her because I m ew something was deeply wrong” how delusional of her to say after she yelled at me and hung up.
Anyway after I explained my reasoning for going MIA she started to realize how fucked up she was and asked me how I was doing. I didn’t say much because I was done with her and she obviously didn’t intend of hearing the full story since she shortened our session. She started asking me why I didn’t want to continue therapy and seemed confused why I didn’t seem to beg her to re admit me. I told her I was done with therapy. She seemed concerned and said that she discharged me because she thought it’d be better for me to find an in person therapist. I knew it was a shitty excuse. I quickly hang up on her and don’t address anything.
I’m only processing this now because I’ve had much bigger things going on. I’m only now realizing how fucked up her behavior was. If I hadn’t spoken to her the night of my attempt I probably wouldn’t have tried to kill myself. I feel cheated out of help. I don’t feel angry at her I have to reserve that for someone more worthy of my rage. I only wished she didn’t use the fact that I would never call her out on her behavior usually. She knew my temperament and took advantage of that. I don’t think I’ll ever trust a therapist again. She victim blamed me, mocked me, berated me in my time of need, and then abandoned me on baseless assumptions that could’ve been easily cleared up if she actually listened to what my sisters and I were saying. She didn’t even say sorry when we were talking. Or express any remorse besides embarrassment for jumping to conclusions. SMH.
TLDR: My therapist berated me for trusting ppl in my life the night of my suicide attempt. Then Discharged me from her care without consulting me first. Blamed me for all her mistakes and jumped to conclusions randomly then never apologized for the baseless accusations. I am at a loss for words and at a loss for trust in therapy again.

I live in California. I paid cash for a 2021 Nissan Versa on December 8, 2022. My car was stolen on June 6, 2023. I was devastated. My insurance company tried to lowball me. I refused offers until they told me ,"This claim has gone on for too long, we are closing it out" This happened on July 8, 2023. I agreed to take $1948,000 on a vehicle I had paid $23,000 with only 12 thousand miles on it. They demanded my Certificate of Title and my Fob Keys, which I mailed, overnite. No money was ever received because within 3 hours after I mailed keys and Pink Slip (Certificate of Title), the police called me to tell me car recovered, looks fine, come pick it up. I was so happy. I did not want the money. I had put so much money into my car in 4 months, and I owned it outright, and had worked 2 jobs for years. So I called insurance company, so happy, let them know My car had been recovered. It took two weeks before they mailed the keys back, but car was in mint condition, had been driven only 9 miles (joyride?) parked in a huge, Walmart, parking lot. I asked for the title to please be mailed back as well. They kept ignoring me. I went to register my car this past December. Only to be denied due to DMV looking at me like a criminal and telling me I had already been paid $19000.00 and vehicle is now owned by my insurance company . I tried explaining , asked for help...they told me Esurance must fix this, you cannot do anything as they legally own the vehicle. I call my claims adjustor, hysterical, and asked him why is my vehicle registered to my insurance company and why does the DMV believe I have been paid $19000,00. He literally told me, "Oh now your just making this up." I tried to ask him to investigate please, he told me, "since you have raised your voice I am hanging up now.' Im downplaying just how rude he was. He basically called me a liar and hung up on me. I was crying but I was not mean, I was almost pleading. He refused to answer my calls and no one else at the office would speak to me, they just forwarded my calls to him. I was in perfect health up until this point. But as each day passed, I begaan to shake from stress, burst into tears, became incredibly depressed, became unable to sleep, spent all my non working hours trying to find a solution. I was unable to concentrate at work. This finally went from beginning to have panic attacks but ended with me waking up after being in a coma, on a ventilator, for 14 days/ I had no idea where I was, was unable to remember how I got to the hosptal or why. I had two Myocardial infarctions, the Doctor explained that I went into full cardiac arrest and a co-worker gave me CPR for 16 minutes until the ambulance arrived. i had a second Cardiac arrest The Doctor told me, shortly after they had settled my into ICU. That one, He told me, they almost were unable to bring me back from. Thank God for The Doctors refusal to stop working on me, my wonderful coworker and The inventor of the Defribulator! Before my release, The Cardiologist told me they could find absolutely no reason for my Heart attack, i have low blood pressure, have no heart or health problems, no family history. They were dumbfounded. i gave him a brief synopsis of my car insurance situation, He told me, ;Stress, it was the stress" "That stress will kill you, you must work on your stress". They referred me to a social worker and a psychologist. When I finally began to regain stress and began to try and demand that my insurance company fix this because they were literally killing me, I felt. I sent a letter, pointing out every single thing that happened, all correspondence, how rudely I was being treated and I sent over my final Diagnosis from the hospital. They never acknowledged my letter. It is now May 13, 2024. have seen attorneys I cannot afford. I was told by DMV Investigations that I definitely need an attorney. Ive been put on Temporary Disability and since I am unable to register my car, I cannot drive it. I am unable to survive on what disability pays. I am losing all hope. I will probably lose my apartment, and may have to live in my car, but my greatest fear now is that my kitty and myself will be on the street, because if they take my car (its illegal to even park an unregistered car on a public street ( is what I was told by the Van Nuys supervisor of the DMV. ) Yet I have asked the Dmv to tell me if there is anyway we can resolve this. I just want them to know i was paid nothing and was finally sent a letter admitting that I wasnt paid anything and it was not my insurance company who made the mistake, it was Copart, and I should take it up with Copart. Okay, this is so beyond absurd. Copart who? Why do I pay full coverage insurance/ when I should pay almost nothing, as this is totally "Do it yourself-Figure it out yourself" insurance. The Claims adjuster told me last week, that they were not going to help me due to my 'Refusal to Communicate with us in January". I got so angry and told him, "So now , You say that I refused to communicate with you?" He said, "Yes, we do." I said," I know for a fact, you never made a single attempt to contact me, while I was in the hospital , after having a heart attack, because phones and emails keep records, and you know, there is no record of anything coming from you or my insurance company . The records I am looking forward to hearing will be all the calls between you and myself. my insurance company claims that every phone call will be taped, and I look forward to the day your employers listen to just how unprofessional, rude and outright sadistic you have treated me. Because you forgot who you work for, sir, and if you did not have policyholders, you would not have a job. You seemed to really enjoy mocking my illness, calling me a liar, hanging up on me. in fact I think we will hear that you threatened to hang up, not look into my claim, and said you were done with my problems and would no longer take my calls.. I have never been treated so cruelly, so rudely, and all I wanted was for my vehicle, which your company never paid a cent to me for, would be transferred back into my name, because I did not make this mistake and I cannot fix this mistake. All I ever wanted from you to fix the mistake that was made by your company You lost nothing in this claim, I only ask that you right a wrong. I have a car that cannot be registered or driven. I oay for your company to ;make me whole' but i would have been better off if i had no insurance at all. My car was found, my car would still be in my name and I could have registered it. Obviously, your never going to help me or make things right' he said, 'i have done all I needed to do, i mailed you the Certificate of Title, so your claim is Closed.' So I have an unsigned Certificate of Title in the name of my insurance company . Which does nothing to help me. Any ideas? So far beyond hopeless, i have lost faith, have lost all joy, no longer leave my apartment. I will do anything, but i just have no clue and no hope. Thank you so much.

I live in California. I paid cash for a 2021 Nissan Versa on December 8, 2022. My car was stolen on June 6, 2023. I was devastated. My insurance company tried to lowball me. I refused offers until they told me ,"This claim has gone on for too long, we are closing it out" This happened on July 8, 2023. I agreed to take $1948,000 on a vehicle I had paid $23,000 with only 12 thousand miles on it. They demanded my Certificate of Title and my Fob Keys, which I mailed, overnite. No money was ever received because within 3 hours after I mailed keys and Pink Slip (Certificate of Title), the police called me to tell me car recovered, looks fine, come pick it up. I was so happy. I did not want the money. I had put so much money into my car in 4 months, and I owned it outright, and had worked 2 jobs for years. So I called insurance company, so happy, let them know My car had been recovered. It took two weeks before they mailed the keys back, but car was in mint condition, had been driven only 9 miles (joyride?) parked in a huge, Walmart, parking lot. I asked for the title to please be mailed back as well. They kept ignoring me. I went to register my car this past December. Only to be denied due to DMV looking at me like a criminal and telling me I had already been paid $19000.00 and vehicle is now owned by my insurance company . I tried explaining , asked for help...they told me Esurance must fix this, you cannot do anything as they legally own the vehicle. I call my claims adjustor, hysterical, and asked him why is my vehicle registered to my insurance company and why does the DMV believe I have been paid $19000,00. He literally told me, "Oh now your just making this up." I tried to ask him to investigate please, he told me, "since you have raised your voice I am hanging up now.' Im downplaying just how rude he was. He basically called me a liar and hung up on me. I was crying but I was not mean, I was almost pleading. He refused to answer my calls and no one else at the office would speak to me, they just forwarded my calls to him. I was in perfect health up until this point. But as each day passed, I begaan to shake from stress, burst into tears, became incredibly depressed, became unable to sleep, spent all my non working hours trying to find a solution. I was unable to concentrate at work. This finally went from beginning to have panic attacks but ended with me waking up after being in a coma, on a ventilator, for 14 days/ I had no idea where I was, was unable to remember how I got to the hosptal or why. I had two Myocardial infarctions, the Doctor explained that I went into full cardiac arrest and a co-worker gave me CPR for 16 minutes until the ambulance arrived. i had a second Cardiac arrest The Doctor told me, shortly after they had settled my into ICU. That one, He told me, they almost were unable to bring me back from. Thank God for The Doctors refusal to stop working on me, my wonderful coworker and The inventor of the Defribulator! Before my release, The Cardiologist told me they could find absolutely no reason for my Heart attack, i have low blood pressure, have no heart or health problems, no family history. They were dumbfounded. i gave him a brief synopsis of my car insurance situation, He told me, ;Stress, it was the stress" "That stress will kill you, you must work on your stress". They referred me to a social worker and a psychologist. When I finally began to regain stress and began to try and demand that my insurance company fix this because they were literally killing me, I felt. I sent a letter, pointing out every single thing that happened, all correspondence, how rudely I was being treated and I sent over my final Diagnosis from the hospital. They never acknowledged my letter. It is now May 13, 2024. have seen attorneys I cannot afford. I was told by DMV Investigations that I definitely need an attorney. Ive been put on Temporary Disability and since I am unable to register my car, I cannot drive it. I am unable to survive on what disability pays. I am losing all hope. I will probably lose my apartment, and may have to live in my car, but my greatest fear now is that my kitty and myself will be on the street, because if they take my car (its illegal to even park an unregistered car on a public street ( is what I was told by the Van Nuys supervisor of the DMV. ) Yet I have asked the Dmv to tell me if there is anyway we can resolve this. I just want them to know i was paid nothing and was finally sent a letter admitting that I wasnt paid anything and it was not my insurance company who made the mistake, it was Copart, and I should take it up with Copart. Okay, this is so beyond absurd. Copart who? Why do I pay full coverage insurance/ when I should pay almost nothing, as this is totally "Do it yourself-Figure it out yourself" insurance. The Claims adjuster told me last week, that they were not going to help me due to my 'Refusal to Communicate with us in January". I got so angry and told him, "So now , You say that I refused to communicate with you?" He said, "Yes, we do." I said," I know for a fact, you never made a single attempt to contact me, while I was in the hospital , after having a heart attack, because phones and emails keep records, and you know, there is no record of anything coming from you or my insurance company . The records I am looking forward to hearing will be all the calls between you and myself. my insurance company claims that every phone call will be taped, and I look forward to the day your employers listen to just how unprofessional, rude and outright sadistic you have treated me. Because you forgot who you work for, sir, and if you did not have policyholders, you would not have a job. You seemed to really enjoy mocking my illness, calling me a liar, hanging up on me. in fact I think we will hear that you threatened to hang up, not look into my claim, and said you were done with my problems and would no longer take my calls.. I have never been treated so cruelly, so rudely, and all I wanted was for my vehicle, which your company never paid a cent to me for, would be transferred back into my name, because I did not make this mistake and I cannot fix this mistake. All I ever wanted from you to fix the mistake that was made by your company You lost nothing in this claim, I only ask that you right a wrong. I have a car that cannot be registered or driven. I oay for your company to ;make me whole' but i would have been better off if i had no insurance at all. My car was found, my car would still be in my name and I could have registered it. Obviously, your never going to help me or make things right' he said, 'i have done all I needed to do, i mailed you the Certificate of Title, so your claim is Closed.' So I have an unsigned Certificate of Title in the name of my insurance company . Which does nothing to help me. Any ideas? So far beyond hopeless, i have lost faith, have lost all joy, no longer leave my apartment. I will do anything, but i just have no clue and no hope. Thank you so much.

UbeLyft Insurance & ultimately pay schemes they get drivers with. Plus some insurance companies will drop you for driving Ubelyft now.
Ride-share insurance is set up in a procedure that you don’t only get the ride share endorsement policy, you need it, but sold separately and added on. While driving for UbeLyft, their insurance is secondary to your personal policy. Once you are online, your personal insurance will be invalid. The passenger even pays for the insurance that UbeLyft charges extra for. This is why rides are expensive after COVID and passengers tip less.
Whatever primary policy you have for your vehicle.. Ubelyft is going to match the policy with contingency/secondary policies but then use your insurance for claims instead of theirs, in case of accident/incident claim.
If you don’t have a policy, UbeLyft is not gonna have the same policy so they’re going to piggyback you and coattail you to your success… if you crash it’s your fault all the time. All the risk is always in the driver and their equipment. And along your entire trajectory of ride-sharing UbeLyft are going to basically watch what you do, manipulate as much money as possible that they can the whole time.. every mile & minute, while online. Offline all personal coverage.
UbeLyft provide reasonable coverage for drivers since personal policies don’t apply. The 2.5k deductible is tomfoolery. Most ride-share drivers do not have that kind of money, they would be on the hook if driver gets into an accident while on the app. Also, Ride-share insurance is not cheap and even adding a rideshare endorsement on your personal policy can make your rates double even triple depending on policy coverages needs. Many insurance companies drop people because they are a rideshare endorsement and you need to work with particular companies willing to take the risk. Drivers don’t realize this until is too late, after UbeLyft rake 50-70% off the top of drivers production already. UbeLyft both sides, doing the most by offering the least & capitalizing on controlling the money with not only pay settlements but insurance as well.
So ultimately in the end, UbeLyft is manipulating Drivers, Riders and consumers through an insurance scheme as well as a pay scheme.
They also are probably self-insured privately with the front insurance company set up to protect them unless it’s so bad they have to cover it up with self-insurance. Similar to how RydePenske in commercial vehicles they are self insurance but make the carriers/drivers burden all cost while they manipulate the actual workers doing all the driving/working.