I recently almost got into an accident where the person in front of me stopped in an active lane of traffic and I had to hard brake. I stopped short of hitting the guy's bumper and we both pulled over to check if there's any damage. Confirmed no damage but he made me exchange phone numbers and driver's license info with him and we took pictures of the cars before going our separate ways. I didn't file a claim nor let my insurance know since there was no collision to begin with. A couple of days later I got a voicemail from his insurance's claims adjuster saying that a claim was made against me for a rear-end collision. Since it was after-hours I called the general support line for his insurance and got a hold of a live agent who was able to give me more information and what to do to dispute the claim. I've provided the pictures and dashcam footage leading up to the encounter to the claims adjuster and also filed a claim with my insurance because there's no other way of getting a hold of someone in my insurance until the weekday (I blame Tesla Insurance for shotty staffing). I wanted to ask the community if there's anything else I should do or be aware of in this process. I think the guy is trying to make a claim that I damaged his bumper as he had existing damage there (I confirmed in the pictures and the dashcam footage). EDIT: Forgot to mention that I plan on calling the other guy's claims adjuster as well as the one assigned to my claim to confirm receipt of information and if I need to provide anything else. I sent the pictures and dashcam footage to my claims adjuster as well.

Tried adding pics but the rules won't allow me 🥲 Howdy Everyone, I'm posting on here hoping to get some help. Background: My wife and I bought this home about 3 years ago with signs of potential termite treatment( burrowed holes 1ft apart the whole house). We live in a plant hardiness zone 10a? I googled it. We didn't see it as an issue since there was no sign of existent pests or insects. The house was left abandoned for several years though with overgrown grass. The neighbors would take turns cutting the grass since it's a community and thus house was not being kept up. Anyways, we buy it and within a year, we see small ants crawling around the house. We didn't see it as a problem since there weren't that many and it's honestly quote normal to just see a couple of an wondering around. A year later, around spring season, in a couple walls from a room, we see a discharge of trash come out of the bottom from between the walls. It had dirt, dead ants and wings seems to be carpenter ants. Immediately we call a couple of exterminators and they both concluded it was carpenter ants. Ok fine, we went with orkin services which sold us a contract to treat inside and outside. A year goes by and we are still sewing these ants crawling up the house from outside and the discharge every now and then. After constant contacts with Orkin and them coming to treat them we didn't see any progress with them. We decided to not renew our contract. We called and they insisted on sending out a tech to check out the issue. The guy gave me a rundown that it is definelty a carpenter ant and that they need to treat specifically for that..which I though that's what they had been doing. Apparently he said that we had just been getting the common pest control plan. WHAT?!?! The issue is not common pest but a pest specifically!! I got mad, they tried to sell me more services and then a perimeter cleanse and what not. He kept insisiting on selling me the 10k services. Kicked him out the house respectfully and blocked their number. Present: Which leads me to now. I'm now trying to treat the ants myself and bought these terro ant bait stakes, terro liquid ant baits for indoor, and the Terro ant killer shaker bag I've had these for about 3 weeks now and the ant seem to be eating it but there are still so many ants coming into the home. I see them going into the stakes and piling it up with dirt as if they were closing these baits off. Smart Mfkrs lol Anvone have anv more ideas on what I could do? I also tried plugging up the holes but they just creat new ones lol

HI, guys! I never posted on Reddit, need your advice badly...A few years ago I signed up with Merrill Edge IRA, because I was with Bank of America. They were very pursvasive how great it is to have 401K with them. I rolled over some 401K money from my previous jobs, opned account. In the beginning I was contributing certain amount per month automatically, then started to get calls about needing to login, verufy my info ect. I called them last year and verified, my info is correct (home address and work address). I was filing taxes this year and tax person asked me if I contributed to my personal IRA, because it would help with my return. I decided to verify with Merrill Edge, loged in to my account and the nightmare started. I found out YESTERDAY they CLOSED my account back in January this year (no notification received), and issued a check with all my savings also hit me with early withdraw fine. They send check to my WORK instead of home address (???). Mind you my work is a large hospital, and address was provided as a generic, not addressed to accounting, HR, or specific person. When I called Merrill Edge, they first said they will cancel the payment on this check and will issue another. Next phone called I was told by Merrill my check was "cashed" at PNC bank (I have no account there), on certain date in March this year. By WHO???? My guess would be someone opened a letter from them at my work, saw the check and somehow chased/deposited it. But how this person could do this without ID? I dont even know what particular branch of PNC it was cashed, and PNC doesnt want to talk to me. I am shocked...It was substantial amount of money, I dont even know what to begin with. Lawer? Police? Pls help with advise!!

Hi guys, I used to have Healthy Paws for my cat but wasn’t happy with the service or price, so I switched to Embrace about 3-4 years ago. My cat is now 5 and her current coverage is: $5K annual limit, $1K deductible, and 80% reimbursement. Recently, they denied a claim for a mass removal on her nose, citing a 2022 note about a mass on her thigh—which my vet believed was just a mild reaction to a vaccine that was administered the week prior reaction that resolved on its own (EXACT same location as the vaccine). I’ve submitted a request to review the claim and re-evaluate that pre-existing condition. This is the first time I've had to disagree with their assesment of the bill, and not sure how that will go. But now knowing that they won't cover any masses (including cancer) because of this makes me anxious. This made me reconsider Embrace, what pet insurance do you all use, what’s your coverage like, and how much do you pay monthly? Any recommendations for an insurance that would cover future masses (including cancer) even though she had a "mass" in 2022 that was most likely just a reaction to a vaccine lol.

I've been with State Farm for several years, but almost 3 years ago we had a series of accidents that we're not our fault, but were caused by phantom drivers or road hazards. Last summer, I was at fault in backing into a car bumper. My agent says the underwriter's are cancelling because they've paid out over $100k. Kinda late, don't ya think! We've been almost 2 years without anything major - the bumper was less than $2k. My credit is not that great. I see a lot of aggregators that will give you quotes for multiple insurance companies. What's the best way to get insurance at a reasonable cost? I'm over 60 sand in a domestic partnership.

Is anybody else's Figo insurance going up 40% in 2025? My rate is going from $425/yr to $700/yr. I reached out to Figo and they blamed inflation of all things, saying nothing could be done about the price. I was told Figo was one of the better companies by all my pet owner friends & family, but they have never covered a claim and at these rates it would be cheaper for me to just put aside $50/mo. Really frustrated and looking for advice.

Non-working graduate student recently approved for Medicaid, but prior to this I had purchased my schools shitty student coverage. Obviously, the coverage for Medicaid beats the school insurance. I called the school insurance and asked them if I could cancel because I want Medicaid as my primary insurance but they told me that is not possible and won't give me a pro-rated refund. I paid $2000 at the beginning of the school year for the insurance for the whole year coverage, and I figured they would be able to refund me a portion of that since I wanted to cancel, but they seemed appalled I even asked to cancel and told me to kick rocks. It wasn't even the insurer, it was the insurance broker who told me this. Am I stuck with school insurance as my primary and Medicaid as my secondary? I don't want to just stop using my school insurance and start using Medicaid as that would technically be insurance fraud? Sorry if this is a strange question; I am not well-versed in this world. Thank you for your time

I have $2500 in pip coverage and over $30k in medical bills. I’ve only gotten $900 in pip coverage. My lawyer said that is the offer from progressive. Why would I not get the full pip amount? I’ve also lost over $30k in income but my attorney won’t submit income loss.

My 14 month old cat has been to the emergency vet twice since we adopted her a year ago. 8 weeks ago she went in for swallowing a button. She had been vomiting all day. Luckily it came out naturally after she spent the day hospitalized with an iv to hydrate her. Last week she started vomiting again. I’ve been traumatized but the fact that she swallowed a button, my best friend’s cat had to have surgery to removed a nerf ball, and my other best friend’s cat had to actually be put down for eating the rubber off of swimming goggles, he had other issues and they didn’t think he would survive the surgery. All this happened since my cat first went in 8 weeks ago. So I probably should have given my cat a few more hours to see if she would stop vomiting. Turns out she had suspected gastritis. Now I’m afraid that we will get dropped from Fetch insurance if I submit the last claim. Should I submit the claim? Will I get into trouble if I don’t submit it?

Is there a way to dispute your cars value ? Insurance gave me a value of $12,000(I think that’s HIGH) for my 17’ Chevy Cruze with close to 180,000 miles on it + body damage . I was hit by usps and the damage is roughly $6,000-6,500 so we tried to get usps to pay for the damage but they won’t exceed $5,400 because my cars not worth more than that to them (which I agree) I’ve personally been saying since I got the repair estimate costs that it’s totaled. Kellybluebook value is about $5,300, a car dealership gave me $6,000 for the value so HOW is insurance $6,000 more than the 3 of those values. If usps won’t even give me the amount of damage shouldn’t my Isnurance reconsider their value ?