Car Came In Contact With Pedestrian Hello All, I would just like some community input. My mother a few days ago was driving her car in Queens, NYC, she was going about 18mph, when a pedestrian backed into traffic and came in contact with her car and was taken away by Ambulance, No damage to my mother's car and she was not injured. NYPD came and took a report and my mother's insurance. Other party literally hired an "Ambulance chaser" the next day. In the NYPD report they state what the pedestrian said, "pedestrian pulled over her car at body shop to be looked at, she stated she opened the hood and a splash of water spewed out and startled her and she jumped backwards" (NYPD did not witness the accident and I am aware the police report does not determine fault in accidents just criminal liability, but the report is used as a tool). My mother didn't have a dash cam (lesson learned), my mother also says that someone saw a security camera footage of thr incident. I just wanna know how screwed is my family since my mom has her car and house to worry about and now this? *Note* My mother works for the USPS and was on the clock at the time, she just drives her car to a central location on her route and then walsk her route. I already knew State Farm would deny the claim cause my mother was on the clock. They advised the other party to file a tort claim with the USPS. *Note, the USPS is not as transparent with its employees or customers. So I have very little faith in how this process will be handled since my mother was working at the time. Thank you all for your input.

Didn’t get my license till I was 18 and never have had an accident on my record. I’ve been with progressive for a few years now and my monthly payments have only gone down once like 20 bucks when I renewed last year. Got about 2 months left on this policy and I don’t think I should be paying almost 300 for an 06 Camry man would it be best to start trying to find a new provider once this policy is up? Also I’m 24 living in the dfw area

Me and my husband bought a house and got scammed into a home warranty with a company called home warranty services and Mepco in January of this year. Our bank flagged the first charge as fraud but we let it through and decided to go ahead and cancel I was reassured that it was done given a cancellation number and told that a cancellation letter would be on its way in the mail and through email (it never came)fast forward a month they didn't pull anything else from the account thankfully but I get bills and late payment calls saying my payment is late when I answered the calls I explained I canceled over a month ago was reassured by agents that it's over and just to ignore the calls because it's an AI... fast forward to now another month later I get another bill from Mepco and I sign into my account through them and it reads the policy is still active I've emailed home warranty services and plan on speaking to a manager tomorrow but I feel like an idiot for falling for this in the first place what are my next steps if they don't cancel it???

I’m a 19F college student in Maryland and need a PPO plan because my school is in DC. I aged out of Medicaid, and since Maryland’s enrollment period is closed, I can’t reapply until November-January. I contacted a health insurance agent, but they mistakenly listed me as male on the application. When US Health Group called to verify my info, they corrected the error, and my quote jumped from 140 to 160/month. I am a broke college student with no job. The agent is trying to "fix" it and get us back to the original quote, but I’m worried this mistake of his will bite me in the ass when I'm older as he is now playing with the deductible in case of a life threatening emergency (before it was 8k I'd have to pay out of pocket and now its +20k). I don't know what to do as I've never had to deal with insurance! Should I switch agents, as the gender was a mistake? Please help!

Got a policy update email that will take effect in 63 days. Going from $196/month to $567/month. This is actually insane. I got on phone with them and they said it’s not my amount of claims but they consider the state of CA and thst since it is pooled insurance it is what works best for everyone. I was like, this payment is like a luxury car?! The only thing they said to do is lower the reimbursement and up the annual deductible; right now I have 70%/$500 and if I switch to 50%/$1000 it is $372. My dog is 14 years old for the record. I just feel stuck and frustrated. Especially cause switching to a new one means everything becomes pre-existing. Does anyone have a similar experience? Advice?

Hi, I recently had an experience that just baffled me and I was wondering if this is normal. I was with State Farm for decades before I realized that they really did not care about my loyalty and would give new customers a better deal. At that time last year, I switched to progressive. I really liked their online format. It was easy to use. I could pick out exactly what coverage I wanted for what vehicle. At my first renewal, my premium went up by $20. One of the reasons I switched companies is because I felt that I was taking advantage of by State Farm over the years by increasing the price here and there. I called them to inquire why and I was told that it was some kind of new customer discount that could no longer be applied to the policy. It sucks, but I shrugged it off and renewed. I recently was up for renewal again and this time I jumped by $70. I have no accidents, no tickets. There are five cars total on the policy. I called them about 20 days before my renewal was due. I spoke with a representative. Long story short, he said that he was able to get it back down to the original price and I would have to call him at the beginning of March to apply it to my account. I tried calling leaving messages for about 3 to 4 days and was not able to contact him so I just contacted the regular number. I had a reference number that I was able to give the rep to look up this new quote. They acknowledge it and as they are issuing the policy, they press some button and it magically goes up by $100 now. It cannot be undone and it pissed me off. I told them I no longer wanted to renew with them and I would find somebody else. I ended up using a online broker tool, and it led me back to progressive. Where I proceeded to input all my information and not only did they give me a quote, but this quote is cheaper than my original quote last year for the same exact coverage for 5 vehicles. So are we just supposed to be applying as a new customer every single year for policies? Overall, I ended up saving $475.

On June 10th I was rear ended while stopped at a red light by a woman who was texting. She got out and immediately admitted fault and the incident was caught on my dashcam. Now, two months and ~$20k worth of repairs later, I have my car back. I drive a 2024 Kia Sportage, roughly 18.5k miles on it, top of the line trim package. Prior to the accident the car was in perfect condition. Geico (her insurance provider) has offered me $5k in diminished value. Is this worth even bothering with negotiation, or does the little guy always lose?

Location: Virginia I live in Virginia — a state where “as-is” sales are firm, but not completely lock-tight. I bought a 2015 Chevy Silverado 1500 from a small used car dealer less than two weeks ago. It was sold “as-is,” but the salesman promised a 90-day free warranty at the time of sale. Later, I was told it wasn’t added because he had “already paid processing fees.” Four days after purchase, the transmission started acting up. By day five, it was shuddering, slipping, and losing power. I took it to a trusted transmission shop, and they dropped the pan and found a significant amount of metal shavings — consistent with a problem that had developed over many months. This wasn’t a sudden failure — it was clearly a pre-existing issue. I thought I was covered under the extended warranty I believed I was buying through my loan. Turns out that warranty (Route 66) denied the claim, stating the damage was pre-existing. Here’s what I’ve done so far: •Filed complaints with the BBB, Consumer Protection Agency, and the Motor Vehicle Dealer Board •Reached out to several lawyers — I’ve got two consultations scheduled, but they’re still a ways out •Still struggling to find an attorney who handles consumer auto fraud/litigation in my area •Tried contacting the dealership multiple times — I’ve: •Called both numbers posted on their door •Left voicemails •Emailed •Messaged them on Facebook •Even stopped by in person — no one was there •The last thing I heard from them was “follow up after the diagnosis” — and nothing since •I’ve also requested cancellation of the warranty since I feel it was misrepresented and clearly not helpful Now I’m stuck using money that was supposed to go toward my loan to cover the canceled warranty and looking at paying out-of-pocket for a major repair. At this point, I feel completely stuck. Has anyone else been through something like this in Virginia? Do I actually have any legal options — or is this just one of those expensive, awful life lessons?

Anyone has a good recommendation? My roof is 14 years old and existing insurance co. (Hippo) refused my claim...my current policy is insanely high with 5% deductible TIA

Hello, Considering a agree value policy for a 2004 Lexus LS via Hagerty. While I was able to get a quote and even approval online with Hagerty, before paying I wanted to talk to them. The wait times were pretty long. Is it a bad idea to deal with them when there is no local agent? Now, those who have agreed value collector car policy with Hagerty, did you do it all online? Or did you go with a local agent if there are local agents for Hagerty? thanks.