My car was hit by someone who took responsibility for the accident. We went through their insurance company and took the car to the repair shop they recommended. While at the shop, they doubled the estimate of the repair work leaving the car disassembled, as the insurance company wanted to declare it a total loss. I told the insurance company to work out the financial settlement with the finance company, as the loan was still larger than the value. The finance company sent the insurance company a letter of guarantee and I signed the DNV documents transferring ownership to the insurance company. The insurance company then deducted the salvage cost from the settlement and said they would tow the vehicle to my home. This is not a vehicle I want or agreed to retain, as the vehicle is not currently drivable, and the effort to make it so is not in my best financial interest. They are attempting to force the vehicle back into my possession. Is there anything I can do to prevent them from forcing me to retain possession of the vehicle, given they have the signed documents necessary to transfer ownership once the lien is paid? This is CA and the insurance company is AAA. 

I am going through Tesla insurance for my Model Y. I had a few aftermarket parts and vinyl wrap that needs to be replaced as part of the repair. The quote/check for the repair does not include just three items and the shop is saying that they will submit a separate claim/payment for that item after everything else is repaired and done. Additionally, they are saying that after all of that, I need to go get a quote for the wrap and submit that separately on my own to see if Tesla will reimburse me for it. Anyone have any insight on this? At this point, it has taken me several months to even get a reply back from the shop, I almost want to just ask for a check and get it done elsewhere or figure it out on my own. The only issue is the check was sent to the shop as a two person check, so I almost feel like I will be stuck with this shop.

Title pretty self-explanatory. A lady hit my car in the mall parking lot while I was inside shopping. Car is a 2005 Chevy Malibu with 306K miles on it and a few minor dents and scratches. The damage caused by the lady who hit my car is significantly worse than any previous damage incurred and exceeds the value of the vehicle, so her insurance company wants to deem it a total loss and offer about $2K. I took the vehicle to a body shop to get my own estimate, which came out to be $3.7K. Insurance company doesn’t want to budge on previous estimate. I get that the car is old and not worth anything, but I’ve learned how to keep it running and can afford its maintenance. I can’t currently afford to get a new or spiffy used car, but I’m also not sure $3K is enough to get a solid cash car that won’t break down on me. I also live in Georgia, where having a salvage title isnt really an option. What would you do in the predicament? Any advice is appreciated.

Not your standard switching question, honestly. My partner got a job that offers metlife so our 2 dogs are eligible to switch over to metlife from our current insurance. We have petsbest currently. I already checked and there's no concerns about it being my partners work (and only I am currently on my the petsbest insurance). I spoke with metlife on the phone extensively so I can switch anytime basically, i'm mostly wondering reasons I might want to stay vs not. Both my dogs have quite a few medical conditions and Petsbest has generally done due diligence. I insured my pit mix in Jan 2022 when I got him and they've covered almost everything. (Annual premiums: 2022 was 460, 2023 was 560, 2024 was 725, and this year was 1032. 250 deductible, 90% reimbursement, unlimited level). They denied only one claim. They denied something and considered it alternative. Even tho it's supplied by a teaching hospital, has studies, and the doctor wrote a huge letter explaining why it was the only option for my dog (my dog has multiple concurrent co-morbidities). They still said no. I asked before hand but they wouldn't pre approve and when I said I was concerned bc it was a big bill they just said I could always appeal. I did, and even with a super detailed letter, nothing. However, he has MANY medical conditions- allergies (on apoquel, immunotherapy, regular derm visits), anxiety (on a couple medications), hip dysplasia/OA and IVDD (on meds and may need surgery). So they've more than paid for his medical conditions. Second dog we adopted in Sept 2024 and she was a 500 deductible, 90% reimbursement and 816/yr. Ended up in 12k in bills between emergency surgery, post op complications and follow up labs. They've paid up. We had to appeal one thing but successfully this time. Petsbest has been fine and paid and processed, though slow, which is fine. I'm mostly considering metlife as both dogs are on prescription foods and metlife will cover wellness care. I could get both dogs annual dentals (which i always planned to do, but was considering pushing it out to 1.5 years out when I'll get a better dental price at a new employer), get tick and flea prevention covered! (200 for one dog, 220 for the other). The prescription foods for the dogs run me about 70 every 1.5-2 months. I'm seriously considering it but feel like there may be something I'm missing. The company confirmed they'd cover rx food even tho petsbest doesnt, btw. Same with dental cleanings. These were their quotes and I was planning to go with the most expensive one, tbh: * Family plan: 250 deductible, 90%, unlimited was 2108.92 without wellness  * With wellness: 2938.44 * Family plan: 500 deductible, 90%, unlimited was 1783.25 without wellness  * With wellness: 2469.98 * Family plan: 250 deductible, 80%, unlimited  * with wellness: 2047.84 * Family plan: 500 deductible, 80%, unlimited  * with wellness: 1728.52 Would love any insight and opinions.

I have an 8month old puppy. He had some bile vomiting before our insurance kicked in. Long story short, he was sick recently and we thought he swallowed something. When I put the claim in Lemonade denied me. They said vomiting is a "pre-exisiting" condition. Which is nuts? Has anyone dealt with this? Am I crazy to want to switch insurances? Will this ever go away?

I am being found partially at fault for an accident I was not involved in, and I need some advice. Here's the situation: I was driving up to a busy intersection where the traffic lights were not working. I was in the left turn lane, waiting for my turn to go. Cars to my left were crossing, and once they passed, it would be my turn to proceed. As those cars started passing, I began to pull out, but I noticed a car behind them, still approaching the intersection. This car did not stop and just went through, even though it was not their turn. I kept going a little, hoping they would stop since it was clearly not their turn, but when they didn’t, I stopped to let them pass. At this point, I was already in the intersection, close to their path but not in the way. They could have passed me without hitting me. However, as they started to pass and I was completely stopped, they suddenly swerved left. I think they either didn’t notice me initially or assumed I was still moving forward, and they ended up hitting the car in the lane to their left—another car that also went out of turn. Since I didn’t think I was involved in the incident, I didn’t stop and just continued on my way. About a week later, I received an email saying that a claim had been filed. The car that was hit was a Tesla, and it had a camera that recorded my license plate number. I called my adjuster, and they told me the police report placed me at fault. The report claimed the officer saw video footage from the Tesla showing that I didn’t have the right of way and went when it wasn’t my turn. I asked my adjuster if he had seen the footage, and he said the attorney (both cars are claiming injuries and filing lawsuits) had sent only the footage from the Tesla's side camera. The attorney refused to provide footage from the front camera. Even from the side camera, my adjuster noticed a car ahead of the one that swerved which would indicate they went behind the car in front of them and did not have the right of way because they never stopped at the stop sign., but when he pointed it out, the attorney claimed he was mistaken and insisted the other driver had the right of way, not me. They refuse to provide any other videos or even a longer version of the video that would show they never stopped at the intersection. I actually have a dashcam in my car, but I didn’t think to save the footage, and by the time the claim was filed, it had been overwritten on my memory card. I gave a full statement to my adjuster detailing my version of the incident. I also contacted the insurance companies for both other vehicles (both GEICO), and they said they were accepting 100% liability for the car that swerved and didn’t need my statement. Two weeks later, my adjuster called and told me that, because the police report said the officer saw video footage placing me at fault and both claimants agreed I was at fault, he would be accepting 50% liability and paying out policy limits to the injured parties. Is there anything I can do at this point? I requested the body-worn camera footage, but it would cost $245 and wouldn’t be available for 6-9 months, so that seems pointless. I am actually a PD claims adjuster myself, but I’m just flabbergasted and don’t know what else I can do.

So I recently got pet insurance with MetLife that includes coverage for injury (no waiting period) and illness (14 day waiting period). Only a few days after the policy became active, we were playing fetch on an embankment and he came back limping. Turns out he had torn his back left CCL. When I submitted the claim, it is being initially denied and the reason is that it was within the illness waiting period. My dog has never had any issues with limping and there are no previous notes in his vet file that he has ever had any muscular skeletal issues. Actually, there is a note that says he had "great hip mobility" from only a few months ago. When I took him in to the vet, they sent his xrays off to radiology and there is a note that says "has bilateral degenerative joint disease knee moderate left and mild right. Both hips degenerative joint disease". My question is do you think I will win the appeal that this is an injury and not an illness? He did not have any limping previously and it was directly connected to when we were playing fetch :(.

I guess my dog just turned 8 according to the age on my Pets Best profile. My monthly premium was $43 and now my bill is $91?? i am newly graduated from my graduate program and going through job fluctuation... wondering if this is worth it given the steep increase in cost. she has been fairly healthy the 5 years i've had her. i've never actually used the insurance policy, i just like having it for my own sake lol because i've invested entirely too much of my own mental stability into this dumb little pitbull. i just did the full senior workup with bloodwork and urinalysis and they said she looks good. if anything dire happens i could borrow money from my family she is my only pet and technically i can afford having only one pet insurance policy. i like the reassurance of having the insurance and it was worth it for me at $43 but $91 has me rethinking

I was involved in a multi-vehicle accident almost two years ago. As the statute of limitations nears, State Farm who insured the at-fault party reached out asking for a blanket release of medical, work, and school records for a bodily injury claim. I’m obviously not signing that. My insurance already paid the only medical bill I had related to the accident directly and seems to have collected money for the vehicle and related expenses from State Farm. Am I obligated to provide State Farm any other documentation for the claims that have already been paid? Want to put this saga to rest for good.

I have 2 dogs, 7 and 6 years old. They both have had some issues with lower back pain and suspected arthritis but not diagnosed. I got an email notifying me of my embrace insurance premium going to almost double! Can I switch insurance despite them being this old and having received physical therapy? Or are they pre-existing conditions that will prevent a new insurer from writing a new policy?