My Honda CRV 2018 , 48k mileage was rear ended. Bumper damage and tail gate damage. Adjuster estimates says 3.5 K , the auto body shop says repair cost of 14.5 K and insurance company wants to do total loss and settlement of 21k. The shop **initially quoted $3,327.12**, but **after a deeper inspection**, the full cost is now estimated at **$14,412.00**. * This includes **parts ($7,059)**, **labor (body, paint, mechanical)**, **paint supplies**, **miscellaneous charges**, and **sales + county taxes**. # 🧾 What Was Added That Drove Up Cost? Here are some **major cost drivers** from the supplement: 1. **Rear Floor Pan Replacement**: * Part: $1,408.27 * Labor: 29 hours (!!!) * Paint: 2.5 hours 🔥 This is a **huge contributor**. Frame/floor pan replacement is structural and complex. 2. **Lift Gate Replacement**: * Part: $1,701.68 * Paint + labor included 🚨 Signals **major rear-end impact** 3. **Rear Body Panel**: * Part: $877.58 * Requires alignment and seam sealing 4. **Multiple panel repairs, refinishing, seam sealing, underbody work** 5. **Parts & Hardware**: * Several **aftermarket parts** were used to reduce cost (bumper cover, impact bar, moldings) * OEM parts were selectively used (e.g., optional OEM upper molding for $428.48) I am surprised with the high estimate. should I accept total loss and take 21K? anyway to negotiate higher. I was really not set for this time for another car purchase. My daughter is ready for college this fall was busy to manage her finance for college. should I try second opinion from another mechanic.

I am low income and know others in same position who use Key Insurance Company. I usually pay on the due date (no grace period) as my disability arrives a few days before due date. I went to pay online and you couldn't. A lengthy statement covered web page stating company in rehabilitation. No policies (they are month to month) would be renewed nor new policies issued.Statement dates 3/3/2025. I saw it evening of 3/8 as it is due by 3/10 I had two days to find new insurance at a price I could afford. I alerted two others I knew used Key, and they did the mad scramble to get new insurance. One didn't make it and that's a $250 fine from DMV. We were given no notice. I am sure many others didn't make it or are paying too much in their rush. Do you think we can sue for lack of notice?

I live in Ohio and have State Farm for my homeowners policy. My roof was damaged by wind end of September 2024 and siding was torn off my house. I also have water damage inside my home. I had a contractor out and State Farm had their contractor out to assess damage. I have a $6k deductible and State Farm deemed it was repairable. Payout is $4k but I appealed because of the matching code in Ohio and I don’t agree the roofing repairs will match my current roof. In the meantime, another storm passed through and now shingles are flying off my house. I am 20 years in on a 30 year shingle. State Farm wants me to file a new claim, and a new $6k deductible. I believe they should have covered it from the beginning. Now what do I do?

We've had several years with Amica, they've been great. However the new rate even with a 1.5k deductible is a lot. If you've got a good non-first tier insurer that we can trust, I'd like a recommendation.

Location: Winnebago County Illinois. It's hard for me to know where to start with this. On April 3rd I received a letter that there is a petition to revive a judgment from 2009 for small claims. I want to know if there is anything I can do to fight this. or to have it denied. Back in 2009 I woke up one day with a garnishment on my paycheck and found out that a company called Midland Funding LLC. placed a garnishment on my wages for a debt they claimed they were owed by me. When I reached out to the creditor, I was able to get some information and they served papers to an address I've never lived at and did not recognize to a person I do not know. I tried to explain to them that I do not recognize the debt and that it was fraudulent. They said it was too late and there was nothing that they would do about it. The garnishments would continue. I was too broke to afford a lawyer even though they were taking between $50-$80 out of every check. It was still less every check than it would have cost me to get a lawyer, and I did not have any savings. I was in my late 20s and there was not a lot of information back in 2009 for legal support. I also did not have adults around me with experience or advice on what I should do. so being young and dumb I didn't pursue it after about 2013 the garnishments just stopped on their own. I still had the same job, and I figured they collected whatever they thought they were owed. They sent me a notice that they filed a petition to revive and collect $2152.22. What I have done so far: I went to my county clerk's office online to look up the case. I did some Google searches that recommended I fill out what's called a response, explaining why I do not feel that this case should be revived and found some forms online. If possible, I would like some guidance on how to best to fill out my response in a way that would give me the best chance of the judge denying their request, and how I would submit the forms to the court

I had a home claim, and State Farm issued a check made out to me, my mortgage company, and the down payment assistance program I used. I had both parties endorse the check (which was already kind of tedious process that took 2 weeks) and now US Bank says they won’t accept the mobile deposit because the payee doesn’t match the name on my account. I called customer service to explain, and they said US Bank won’t accept deposits unless the account names match. I did call after regular hours so maybe it’s an overnight service that has bad info. But surely 1) this isn’t a particularly unique situation and someone at US Bank has to know what the protocol 2) the standard here can’t be that I have to open up a bank account with both the down payment assistance program and my mortgage holder, can it? I feel insane that I can’t find any info about this online, so I’m hoping that means there is a way. ETA: Ended up having to mail it to a branch! But for future readers, no, you are not expected to set up an account with you and your mortgage lender, thank goodness!

Long story short I was in a car accident and State Farm went from saying my car was a total loss , then now not total loss. I didn’t accept it because my car is undrivable. I have been fighting them for months and I am in process for interviewing attorneys.. I lost my job and my home because I haven’t been able to work without a car. It’s been months. I went onto my account today and I saw a check for $2200 it said supplemental payment. I called and an agent that wasn’t my adjuster, because it’s the weekend & she stated that it was for damage from the car accident that they are paying for. My question is if I cash this check in my screwing myself to go forward and suing them for more money and for what the car is worth.? I know that you can cash a check in New York State and reopen a claim. However, I’m not sure about going forward and suing if you accept the money. I know that on a paper check sometimes it will state that you waive your right to sue them in the future. The paper check would include accompanying documentation often with a waiver stating you release further claims by accepting it. However, it is a digital check. I really do need the money so I don’t know what to do and 72 hours to cash a digital check will be up by tonight, I also noticed on my account that the claim is closed and the car was a total loss!? Any advice on what I should do with this check would be greatly appreciated ! Location: New York

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

Santander Consumer sold the debt to Jefferson Capital, and it was removed from my credit report. Why is Santander still on my credit report and not removed as well? Btw Santander is a charge off account

I was rear ended by a State Farm customer and they have accepted responsibility. I have been extremely nice until now but I am done. I asked about a rental car and told them it didn't have to be a big F150 like I drive and I could get by with something small because I work from home and don't go out much. They said great, go rent something and then file for reimbursement when I get my truck back. Since when am I responsible for renting the car and paying for it up front? They won't give me anything in writing that says they'll reimburse me for a specific daily amount or number of days. The letter says "reasonable cost" which is just way to vague. What's reasonable to me might not be reasonable to them. And I'm not, but what if I wasn't able to rent a car myself because I don't have a credit card or checking account. Side question - if I say I need a truck do they have to cover the cost of renting a truck?