Amy guidance is appreciated. I was driving down a street when a car t-boned me, I spun around in oncoming traffic. I was able to move my car safely. The driver who hit me walks up and says it is his fault. I get my phone out and start recording, I asked him to say it again, he asked if I was recording, I said yes. He said that was fine but when I asked him to repeat what he said, he said it to let the insurance company handle it and laughed. I get taken the to ER just to be safe and I was released shortly. I was given a 2 day work off work note. I immediately reported it to my insurance company. They said they will reimburse me for my medical. The other driver admitted to his insurance that it was his fault so my insurance waived my deductible and will pay for my rental car for 30 days but my insurance will not pay for my lost wages. 2 days later I go to urgent care because now I'm feeling it and I get another doctors note to take me off work for a few more days. I'm very nervous to drive. Now, the other insurance company seems very eager to pay my lost wages, any physical therapy, all my medical, etc. I'm just skeptical they seem so willing to pay. What information should I give them access to and what should I not? What if they have me sign something, what should I look for or make sure I am not being hustled? Any guidance is appreciated. I'm new to this.

My hip was broken in 3 spots after a pedestrian vs vehicle accident. I'm working with an attorney who has been talking with Progressive (the driver's insurance). They asked for information regarding my employment to verify wages. I have two jobs. 1 WFH, the other is more physical. I was able to return to the WFH job quickly thanks to a lot of pain meds. Anyway, my employer filled out the paperwork they needed, I sent it to my attorney who passed it over to Progressive. They still called my WFH job, needing to speak with my employer. Why? What more do they need to verify? Is this normal?

Long story short. Storm came thru Pittsburgh region. Pretty moderate wind and hail damage to roof, windows, screens, gutters and downspouts. Had 2 adjusters that never called me back. 3rd adjuster scheduled a “ladder assist” inspection. Had 2 seek now inspections. (Needed a re-inspection since first one was done with a wet roof.) Adjuster 3 said “I put you in for a full roof replacement”. 2 days later I now have adjuster #4 assigned to my case. Adjuster #4 states “your old adjuster didn’t have the authority to issue you a full roof replacement, management is disputing your claim, we’re having a engineer come out to your house for an inspection, the hail in your area wasn’t that big in diameter”. It’s been 40+ days since the storm and I have an interior leak…. They just came out 2 days ago to inspect the inside. Has this happened to anyone else? What’s my next move? I have pictures of my roof from September 2024 when I had my chimneys re-pointed with no damage. Now you can tell I have shingles bent from the storm. It at a loss on what to do. Edit #1: 1” hail came thru the area. Edit #2: Correction to edit #1 - Roof is 10 years old. Looking into weather report now. 1.75” hail in my location. 60mph winds. 1/4 mile away a roof was blown off a grocery store. 4 of my neighbors have already had their roofs replaced.

So I signed up for State Farm Auto/Renters insurance and all was well. I decided to switch agents because I was not happy with the communication speed I had with the old agent, so i submitted an Agent Change request online. It has been more than a month since the original request and only the Renters Policy moved. The requests show complete, but now I noticed my Auto Policy completely disappeared from my account. Did they mess this up and cancel my policy? I haven’t gotten any emails or documents online stating this. This has been so frustrating and I just want to not have a lapse in coverage for their mistake. Has anyone dealt with this or something similar?

We were just kicked off our car insurance policy after 22 years of being loyal customers because my daughter filed a claim after an accident where she was not at fault, her 1y/o son was in the car at the time. Their reasoning for terminating our policy is that I didn’t list her then 3 month old son at the time of filling out the attention letter back in December. We’re in Michigan, how is this legal?

So I can upload my gap contract and everything if need be but my car was totaled (hit a deer) and they said they figure it out by my total owed at time of loss was 21,187.49 subtract insurance settlement 18,179, then they said insurance took off $1,866 due to condition of vehicle which was just normal wear and tear deductions. So l'm left with $1,141.99 GAP benefit. So they're saying my base vehicle value according to CCC was $19,416 then they subtracted $1866 due to condition adjustment then I'm left with adjusted vehicle value $17550 + tax title and fees comes to $18679 minus my $500 deductible. So l'm left with $18,179, and then my insurance said my actual cash value was $17550. So am I getting screwed here? https://ibb.co/7JHOdYML https://ibb.co/NdpH9f59 https://ibb.co/sJP16tQp Gap contract. It's through EasyCare.

I wasted hours giving them information, more personal than any other company asked for, all the while them promising me several times that they are writing policies for my area. When it finally came to the moment of truth they admitted they could give me a quote from Bamboo and the Fair Plan!!! I could've gotten those quotes myself in ten minutes, but instead spent probably 2.5 hours registering family members and giving them SS numbers, confirming phone numbers, etc. I swear they are in the business of compiling personal information rather than providing insurance.

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've only had pet insurance for 1 year, through my work. I just received a letter stating that my policy is no longer available to me, but I can have their "My Pet Protection Choice" to continue coverage. The policy seems to cover less, and my premiums went up! The doodle (age 3) went from $218 to $458/year and the cavalier (almost 2) went from $270 to $781. The only thing I've filed was when my doodle had a bump in his ear, that healed on it's own, and my payment was just applied to the deductible. For my cavalier, she had a UTI. So, while I begin to shop around, anyone to consider? Or avoid? And how much do you typically pay in an annual premium? Maybe I just have sticker shock and these premiums are fair? Edit to include- this isn't a wellness plan, they cover 70%. Annual coverage for accidents is $5000, Illness $5000, Congenital and Hereditary $5000, Cruciate $5000, Rx foo $100, Behavioral $100

I picked up a few prescriptions in January for a Tier 2/$30 copays. This was a transition fill because my employer switched pharmacy benefits manager (PBM) and the medications were not on the new formulary. They said the lower cost was a grace period and standard of care while appealing for an Exception For Coverage. A few weeks later my Exception For Coverage for the medications were approved so I paid Tier 3/30% coinsurance on the next fills in February. The Exception For Coverage was backdated to January 1st, 2025. Then, the following month it looks like the PBM reprocessed the January fills as a Tier 3/30% coinsurance and the additional cost was applied to my out-of-pocket maximum accumulator through my health insurance. I'm not sure what is going on here? I called the PBM and was advised that they will not recoup cost from me and they will not ask the pharmacy to reprocess the claim. The OOP max was never mentions previously, but the representative confirmed that my current out-of-pocket maximum (with the added amount) was accurate as well. Is this common practice for PBMs? Or, could it have been a system error? Has anyone else had something like this happen to them? I am so confused about this because I have not been billed for the additional increase in coinsurance from the PBM, but it feels like fraud since I know the numbers do not add up.