I was involved in a car accident. I called the local police after the accident who came and filed a police report. After waiting for the form to be validated I obtained a copy from the DMV and provided it to the insurance. The police issued the other driver a ticket for failure to yield as she was pulling out of her driveway on to the road. I was traveling on the road and was unable to stop or avoid her in time and hit her car in the road. I took pictures of the accident which shows my car pulled over on the road, debris in the road and her car pushed onto the shoulder. I assumed with the police report and my other evidence I would be successful in filing a claim against her insurance. The insurance company notified that they will not pay for repairs to my vehicle as the other drivers statement does not match mine or the police report. They stated she is working to amend the police report. I’ve never heard of this so I called the police who told me the chances of getting the report amended are very slim and likely not to happen. The other driver claims she was stopped for several seconds and I should have been able to avoid her. The roads were covered with snow so stopping times were increased, I could not stop in time. I have no collision as my car isn’t worth very much and now have no way to repair it. Does anyone have experience in a similar situation on what my best options are with the evidence I have? So far I have filed a complaint with my states department of financial services, request a copy of the decision and appeal process with the insurance and stared researching the small claims court process. The insurance company refusing to pay is GEICO if that matters. Any advice to recoup some compensation for my damaged car is appreciated. tldr: got in accident other driver ticketed insurance refuses to pay for repair

Received my 6-month renewal notice for Progressive and suprise (:smile:) a 20% increase. Problem is I use Snapshot, have 4/5 average, which I thought yields an additional discount, not an increase. I called. Progressive claims rates go up/down all the time and can not give me specific reason for this increase. My 4/5 average Snapshot is already included in new rate. Is this practice common, follow *their* Snapshot rules - get increase ??

I had horrible customer service experiences with United Healthcare this past week. Horrible enough that I want to send a complaint to the appropriate people. I have unsuccessfully searched all over for an email address - I can't stand the thought of another phone call with them. Does anyone know the email address?

Hello, I adopted a rescue dog in November. I purchased Fetch insurance in March. They will not cover any anxiety meds or treatment for his anxiety due to it being "pre-existing". Early vet visits mentioned his anxiety . I'm pretty discouraged that this is being held against him. Are there any insurance plans that cover behavioral issues despite it being pre-existing. My vet even argued that my dog has Seperation Anxiety which is a different dx than anxiety and it was still denied.

Location: Ontario,Canada Background: February 2023, I had been working for three months at a manufacturing shop when a new welder was hired. He came in with no mig tickets, but had 10 years of experiance welding stick. My first mistake was trusting this guy because of his "experiance". My second mistake was agreeing to help him when I was still new to welding. I had my mig tickets at the time, so my foreman asked me to tack up a train part while the new guy held it up. I had everything ready, than I had a gut feeling something bad was about to happen, so I turned around to grab some clamps. He let go of the steel plate... HE LET GO OF THE VERY HEAVY STEEL PLATE! Next thing I know the old guys I work with are rushing over, getting this part out of my boot and off my foot. Yes I was wearing steel toe boots, but the plate feel off the table at an angle and slid under my steel toe plate. The guys ended up sitting me down as I passed out. When I came too, my formen drove me to the hospital where I had to get the bottom of my toe stitched up because the pressure blew the bottom out. Doctor: Imagine your toe is an ice cube. Now smash that ice cube with a hammer, and that's your toe. I whent to work the next day because I'm stupid and figured it would show my dedication to earning an apprenticeship and show them I was willing to work through anything, even pain. The bones in the toe kept spreading, so I ended up getting constant infections causing me to need the first section of my toe removed about 6 months after the initial Injury. After my first surgery I noticed what was left of my toe was turning black and the bone was visible. They tried taking the dead skin off and giving me two stitches unmedicated, but the toe kept dying. I ended up getting the rest of the toe amputated. I've had a C-Section, and I'd much rather have another one, then going through a toe amputation again. That's how much pain I was in. I was off for 10 months. I got paid medical leave through WSIB, but I lost 10 months of hours, 10 months of traning, my tickets expired, they refuse to give me an apprenticeship now, I have to bag for jobs. My question: Do I have the right to compensation? I'm 27, never getting my toe back and my feet are in constant pain. Favoring one foot is causing the other issues. It's a back and forth battle. Because I'm young and have to still work on my feet for the next 40+ years, the doctors don't know how my feet will hold up. I'm not looking forward to the future and my mental health crashed because of all this.

Any tips on companies offering good pricing? Progressive is charging me $250 monthly - zero accident history or violations in 7 years - 29 year old male, 2016 Camry )

I am currently a policy holder with Geico and have have owned my car (beater) and insured with Geico since last 7-8years. Today I got a phone call from Geico for a claim against me and it got added to my account. (I have no current relation to this vehicle and the date and time that they mentioned I was in office) Background (Spring/Summer 2023): * I was briefly on my family member's insurance with Geico \~2years ago * Family member sold/transferred the car to the new owner \~2years ago * Family member did car's transfer paper work including release of liability * The new owner did confirm that they went to DMV and transferred the car under their name within the 10 business day period * Family member canceled the Geico policy which I was part of as well (secondary driver) since I would occasionally drive this car (there is an email confirmation from Geico for cancellation of the policy, also \~2 years ago) * To reconfirm family member spoke to DMV agent through chat and they confirmed the car's title and registration was not on their name anymore (however due to privacy they didnt mention the new owners name) - Their is saved transcript from \~2years ago But \~2years later a claim gets added on my Geico policy for this vehicle. At this point this vehicle ownership is not under me or my family. The vehicle was sold/transfer to new owner back in 2023. Assuming the new owner that took the ownership of the car got into an accident but I have nothing to do with this. Spoke to Geico and did not get clear instructions at first and then the last customer service agent tells me to provide proof that there is no relation to this vehicle. I and family member who owned this car previously not sure how to handle this situation. Anybody experienced anything like this before? Appreciate any comments

Hello! I have Guardian Dental insurance. I just received a bill where I am responsible for $217 - Guardian only paid $47.00. Services billed were D0120 and D4910 (Periodic Eval and Periodontal Maintenance). I went on my Guardian account and it says that both codes are covered 100%. They are both under preventative and the coinsurance is listed as 100%. "Detailed and extensive oral evaluation (D0160) is not covered. **Oral evaluations, including codes** ***D0120***\*\*, D0145, D0150, D0170, D0180 or D9430, are covered once in any 6 consecutive month period.\*\* The limited oral evaluation - problem focused (D0140) is not included in the frequency limitation or last visit date." "Periodontal maintenance (D4910) is covered under the Basic service category. Adult prophylaxis (D1110) is covered age 12 and over. Prophylaxis (cleaning) (D1110, D1120) or **periodontal maintenance (D4910) is covered once in any 6 consecutive month period."** My date of service was 3/6/25. I have not had any other services in the last six months. My last visit was 9/3/2024. My deductible is $50, "Yes" means waived for preventative. To date, I met the $50 deductible and Remaining is "0". || || |Individual Dental|Out of network|$50.00|Yes|$50.00|0| ||In network|$50.00|Yes|$50.00|0| My deductible is $50 and it says I paid it... and my coinsurance is 100%? So even for preventative services, this means I'm responsible in paying all of my dental care beyond the first $50? My yearly plan limit is $1000. What is even the point of having health insurance? Is this because I got basic coverage instead of full coverage? I guess I'm ignorant and thought that preventive care would be covered. I feel really stupid right now! I tried calling, but they aren't open. Any assistance to help me understand is appreciated.

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).