I have a 2020 Hyundai Kona with 50K miles that I bought two years ago, with 40K miles, for about $20,000. I recently drove into a parking garage with my bike rack on my car, causing roof damage. They are considering it totaled with an initial estimate of $10,600 in damages on a car valued at $15,600. First, that seems low, given that I've seen other vehicles online with the same miles for $17,000 or more. They are also trying to claim that the car has $3,000 in unrelated damages, even though I've never hit anything, scratched anything, bumped into anything, etc. I suppose there must be minor dings or scratches from driving it in the city (I've asked them to email me photos), but regardless, $3,000 seems high for whatever it is. I'd also argue that I've been paying insurance rates on a car valued at closer to the $20,000 I paid for it, not....$10,000? My question: Does it seem reasonable that a regular seeming car with no issues beyond standard wear and tear would see a $3,000 devaluation like this? Can I get a second opinion on the value of my car, and this prior damage? How do I go about doing that, and what would it cost? On a slightly unrelated note...is insurance just kind of insane right now? I feel like I'm hearing stories that they are totaling everything these days. (I have State Farm, comprehensive coverage).

Good morning/afternoon/evening lovely humans. You read the title right, and the only reason I found out was because I'm currently getting my Property and Casualty license myself. I had my life before, and called them out on some shady shit, described below. My apartment with my (21f) and my (now ex) fiancé (23m) was broken into on October 13th, 2024. I'll refrain from details to protect my ex's identity, as well as my own, though this is still my main account. But, a very important detail is he is currently deployed, so I've been handling all of this by myself. I will admit I had to wait until around October 23rd to file the claim, since I had to do a thorough inventory of what was stolen (of both mine and my ex's, as he is unable to help due to deployment). A lot of stuff I still don't know if it was stolen or not, as full boxes of my stuff was nabbed, and I have no way of knowing what was in them as it's been a very long time since I packed them. So, submitted my claim on 10/23/24. Was told on the claim submission screen that I would be contacted in 1-3 business days. Seemed like standard procedure, so I thought nothing of it. Waited. And waited. And got sick, and waited some more. As a matter of fact, my life insurance licensing test was during said waiting period, as I didn't hear anything from Assurant for a WHOLE MONTH. I ended up reaching out to them, threatening to report them for malpractice to my state's Insurance Commissioner if they didn't start taking their job seriously. The first recorded day I have of them contacting me is on DECEMBER 3RD, 2024. So almost a month and a half after I had submitted my claim. After I got into contact with my claim adjuster (we'll call him P to protect his identity) things started moving pretty smoothly, or so I thought. P was responsive, answering my questions and making sure the payout would go to me to handle, as my ex is unable to really help due to his current situation. However, a lot of the gear he left in our apartment was stolen, meaning it had to be on the claim, along with prices for each item. We supplied them with the full CIF NSN list, with prices listen for each item he was issued... which Assurant proceeded to not use, despite adamantly requesting it. At this time, I should also mention I was dealing with chronic tonsillitis, and only got my tonsils finally removed on Feb 5th, and could barely swallow, talk, or really do anything due to how bad it was. I feel 10x better now that they're gone, but being ill was making it harder to remember to do things for the claim. That being said. I was still checking in and asking how Pedro was coming along, to which I was consistently being told that I had to "re-email" things since they "didn't show up". Which I can almost guarantee is BS, since emails are 2 way and I still have all of the info I sent to Assurant, all of which is perfectly legible. However, out of the blue, on January 15th, my claim was transferred to someone else, we'll call him K. K was... A good person at heart, I'll say. However, man was he LAZY. He refused to request his own copy of our police report, which as far as I'm aware, should be illegal, as that opens up the doors for fraud, which I made known to him repeatedly. Even still he wanted me to send it instead of him just requesting it from the police department himself. Keep in mind, January 15th. I had to request a new copy of the police report myself, as I was sent the wrong one when I originally requested the document (and not like to police department did anything about it, even though I repeatedly tried. They hung up on me every time). So I texted K back on the 29th when I received the document (FINALLY). He got back to me on Feb 3rd, stating he'd been out sick. Totally cool, I get it. I had sent it over email, as requested, and again there were "issues" with the document. Even though I could open it just fine through the email. I even sent it multiple times, all of which had "issues". As this was butting up to my tonsillectomy, I had to make K aware I'd be out on recovery. He got back to me on the 11th, giving me a call. I responded the best on day 6 of recovery (those who have had a tonsillectomy know how painful the scab process is), but it was just to let me know my claim had been processed and I was FINALLY getting paid. I had 6 months to claim the money, and as I had to close my bank account due to some financial troubles, I only just this past weekend was able to start the process to get the check. I'll have it by Wednesday, March 12th at the latest. But now here comes the nitty gritty. According to the Property and Casualty Insurance Provisions, "\[The\] payment to the insured or a person legally entitled to receive payment within 60 days of receiving the insured's proof of loss". Unfortunately that's just ExamFX's wording, and I don't know what the official source document is, so I turn to Reddit to help! What would be my next steps, if I were to report Assurant for malpractice? I think K is in the clear, personally, as from the time he was handed to report until payout was within 60 days. But P and Assurant as a whole should be reported for malpractice, at least in my opinion. My inbox is open for any questions, though I will not answer anything personal. I'll also respond to comments as I can. Thank you all in advance! UPDATE: I have reported them to my state's Insurance Dept. I will continue to update as I recieve new information.

It’s a long story but I’ll try to shorten it. I’m not 100% sure how insurance works. My car is under my name but my insurance is shared with my parents. My parents have a few other family members included (me, one sister that is 25, an uncle, an aunt). But my Toyota Corolla 2017 is under my name, automatic payments under my own bank account, etc. I guess my parents own the whole insurance policy but the car is under my name. My bill in December 2024 was raised to $400 (NOT full coverage) They won’t give a clear answer as to why they raised my bill so high. But I let it slide. I saw it as a consequence to our current economy. In february they charged me $825. No clear answer. They gave me unreasonable excuses such as being under 25 (I’m 28), or someone else under the policy is under 25 (no one is under 25). Someone that USED to be on it was under 25 but they got their own insurance under a different company over a year ago. But they used that person as an excuse either way. We even sent proof that they are no longer with State Farm and for how long but that wasn’t enough. We dispute it. They compromised and said I won’t have to pay my “$400 bill” for March. Technically half of $824 isn’t $400 so in the end they won an extra $25 from me. Today they told me I still owe $200 this month and $200 next month. That they’re splitting the $425 between March and April. PLUS they randomly began charging my 25 yr old sister an extra $26 AND used the name of the person who was under 25 on that bill (again, that person has not been with us or state farm for over a year). Does anyone have any idea what’s going on? We’ve never been late on payments, we paid off our cars, we never fight them when they raise our bill (except for this time because $825 a month is excessive). My last accident was in 2022, it was not my fault, I never filed a claim or asked for money to fix my car, I asked for info about my options 2 years after the fact (in 2024) but it was too late to do anything about it anyway. I’m planning to cancel my policy with State Farm but I’m still curious about what is happening here.

Today my 3 year old hit the gas pedal on the golf cart and ran it into my other kids electric scooters/ the wall in my garage. I hopped off to grab stuff out of the back “trunk” type thing and next thing I know it’s gone forward and hit the house. Thankfully she was okay. She was scared, I was scared. We had a good cry. I have insurance on my golf cart. I called them up and they said after the deductible, the repairs to the golf cart would be covered but the damage to my other property (my home, my car, the electric bikes/scooters, my built in shelves and other random smaller items) will not be covered because I own those items. They said had it hit someone else’s scooters/house/car that would cover it. When I got the golf cart, I called my insurance agent so I could add it to my homeowners policy and she said it was cheaper to have a separate policy for just the golf cart and to go through progressive. So this is what I did. I called my insurance company after hearing this news from progressive, and they said they could cover it under our homeowners policy- but that we would have to pay that deductible too. It wouldn’t be worth it to pay both deductibles. I am just surprised that progressive isn’t covering any of the personal property damage. Is this a normal thing?

WA So this is kind of a long story but I really need some advice. In 2011, I was active duty stationed in Everett, WA. My shipmate was at the casino and called me to come pick him up because he was drinking. His car was on the naval base and I was living in the barracks. He left his key on his tire and told me to find it and come get him. I picked him up and then rear ended a car. He gave the cop an insurance card and everything was dealt with and we left the scene. He later told me the insurance card was from 2 years previous and he couldn’t believe the cop took it and let us go. He didn’t have insurance on the vehicle. We then went on a 6 month deployment and I never heard anything more from the situation. I got out of the navy and went back home to Michigan in 2014. Some time in 2014 I received papers for a court case adjudged against me. I didn’t understand how this went to court and I was never notified or able to give my side of the story. Regardless, I planned on filing chapter 7 bankruptcy if they came after my wages. They didn’t. I heard nothing more until today. I got a letter from a law group representing State Farm insurance stating I owed 99k and it needed to be paid within 6 months. 14 years after the accident occurred! Do I have any options at this point besides filing bankruptcy? Thanks in advance for any responses. I’m stressed out beyond belief. (I’ve never owned a vehicle without insurance on it and I wouldn’t have drove that one if i knew it was uninsured.)

I have a long winded question. I want to preface this by saying I am not into fraud. I am a public employee and can’t have any issues related to that. 3 years ago we had a bad hail storm in the Chicago area. We have a close friend who is an adjuster for a roofing company. We coach our kids together and he tells me “hey do you want a new roof?” He tells me everyone is getting approved after the bad hail storm. I have zero experience with this so I said “of course.” I figured that’s why I pay insurance and this guy said it so non-chalantly so I agreed to it. He comes over, looks at the roof and submits a claim. A week or two later he tells me that our insurance denied a new roof and only said they would cover $1,000 in repairs. In my mind it’s a win since we get repairs done. Fast forward a year later and we have another hail storm. Our friend says to me “this time you will definitely get a new roof.” Again, we have no idea this is an issue. He looks at our roof and submits a claim. A week later we get a call from our agent and they tell us they are likely going to drop us. This is where my wife and I panic and wonder “what the hell is going on?” We get the insurance to stop the claim and somehow they do stop it and we don’t get dropped and don’t get the repairs done. So far no issues but still we are very worried about it. Since then we have had a few roofing companies out and the prices are crazy. Like 12k just to repair and 25k to replace the whole roof. My question is this: Would you recommend that we replace the roof on our dime? We have the money to do it. This is what I’m leaning towards but what happens if we have a really bad storm with significant damage? Does State Farm drop us but still have to pay for the damages or replacement? I don’t want to replace the roof, have significant damage, and then State Farm says nope you’re dropped and we aren’t paying? OR, should I switch insurance companies before any work and then replace my roof anyway to lower the premium cost with a new insurance company? Insurance prices are ridiculous right now but state farm is still lower than any other insurance company I have had quotes from. Thank you for any advice you can provide. Edit: I agree with all the comments that the guy screwed me. I am aware that the claims follow me. I need to find an honest person who can tell me if I really need a roof replacement. If not, I’m willing to ride it out until I do actually need a replacement. The thought of doing it now came because in 5 years we will have 2 in college and one in high school. We figured we would take the expense now rather than in a few years when money is a bit tighter. Still unsure of what we will do. I don’t think I need a new roof immediately but I know it will be in the next 5-10 years.

I got new policy update and they was telling me that I can't get any better rate because I had 3 accidents it wasn't my fault. 2 of the accidents just policy report but never file a claim or follow up since it's not bad damage. Any advice how to take on this??

yesterday morning i got into a fender bender. i was waiting at a red light on a 3 lane road. left lane is a left turn/u-turn lane. middle lane (the one i’m in) is a straight only lane. right lane is a right turn only lane. the light turns green (i’m first in line at this light), and i slowly start accelerating (i have become a very defensive driver because the city i live is filled with actual idiot drivers, so i never take off at an intersection for fear of someone running the red and t-boning me) to cross the intersection. all of a sudden, a car is in front of me and hits the front right of my car with the front left/side of their car. she was in the right lane and made a u turn from there (or was trying to). i feel like it’s pretty straight forward that moving to the left in capacity from a right turn only lane puts her at fault, but i don’t know how this all works. i recently turned 24 so my insurance is still a bit high, and im waiting until 25 to get comprehensive collision when it’s more affordable for me. so, i’ve had to file through their claims, bristol west. i didn’t call the police for this accident; i was rear ended really horribly two years ago in this same town and it took 2+ hours for a cop to arrive. i have a large event happening at work this week and i legitimately didn’t have the time to spare to wait for an officer to show up. neither of us were hurt, and the damage isn’t too horrible (from what i can tell) so i couldn’t risk missing my morning at work. i know this isn’t great as a police report would help with the story, but i can’t change the past. does anyone have any experience with this? the girl who hit me was very apologetic to my face, but im worried that her story/her insurance (known for high-risk drivers) will try to swindle me and i don’t have my own collision insurance. does this seem straight forward enough or am i in for a headache? thank you for your help, advice, and guidance. edit: would it be worth it to go on my cities FB page and ask if there were any witnesses? it’s a pretty common intersection and my city is relatively small. also, should i contact the police department to see if there is intersection footage? i just want to be as prepared as possible since i don’t have any dashcam footage. thanks

Got into an accident last September and filed a claim back then when it happened. Since then I’ve been scraping together the money for the (1k) deductible. Now i’m worried progressive won’t pay out because I took too long. Is that a thing or do they still need to pay out for it??

Ok, this is absolutely insane to me but coming here to see if anyone has any advice or thinks I'm overreacting. My dog's TLDR background: * almost 2 years old, GSD mix with cattle dog, pit, husky * has been exhibiting some intense anxiety (can't take him on walks) and sensitivity to noises (these send him into a panic) * our trainer noticed he had a head tremor when he was about 5 months old, but my husband and I never noticed it, neither did our first two vets. Our current vet noticed it + an eye tremor about two months ago and recommended we see a neurologist and get an MRI * Thankfully the MRI showed a normal brain but it did show an inner ear infection The MRI was almost $5k. I submitted it to Embrace and they DENIED it because they are saying his inner ear infection is related to his itchy skin that he had when we rescued him at 6 weeks old, and therefore falls under his pre-existing condition. The MRI wasn't to identify the ear infection, that's just something that happened to show up. The MRI was for his brain health to see if we could determine why his behavior has gotten so anxious and he's started showing aggression. I've included screenshots of their "reasoning" and it seems absolutely crazy to me. Has anyone experienced something similar or have advice on how to proceed?