When the adjuster was going over the fact that their car was going to be a total loss, a 2022 Kia Sorento, that they were valuing at $34,000, $9000 over my limit. I hit them doing like 7 miles an hour, but it must have done frame damage... I just didn't see them, and t-boned them as they were making a left turn, while I was trying to make a left turn. They told me that they were going to have them file a claim against their own insurance, and its "progressive versus progressive; so, it's not like they're going to fight it", and to not worry about it. I'm not about to get blindsided with a $9,000 past due bill after being told to, "not worry about it", am I?

This is a bit lengthy, but I would genuinely appreciate help figuring out this (apparently) complex and unusual situation. My car was parked in a spot next to my house when it was damaged by a van. I happen to have video showing the entire thing, and there is no question that the door of the other vehicle caused the damage - police and insurance company have made that determination. Seems simple enough BUT my insurance company is suddenly all flippy floppy over who is at fault. The van, which was disabled, was unloaded from a tow truck. While the owner of the van pushed the vehicle, the tow truck driver steered the van backwards from the bed of the truck into the parking spot next to mine. While he is steering and looking over his shoulder, the van’s driver’s door is open and grinds into the rear side of my car. Both of them pause when the door hits my car, looking at each other like “whoops… let’s pretend that didn’t happen”. Neither of them notice my camera, and they do no leave a note or contact the police. That is super rude and illegal, but not likely relevant to this post. So, Henrico (VA) Police Officer files a report and says the tow truck driver is at fault. I assumed the owner of the van would be responsible, but two friends of mine who are attorneys also believe the tow company is responsible. When I contacted the towing company, they sent someone out who said they weren’t admitting fault, but if the company’s owner reviewed the video and saw that what I told them is indeed what happened, they would prefer to pay out of pocket rather than go through insurance. Not once did they say anything about it possibly being the van owner’s responsibility. My initial communication with my insurance company supported what everyone else said: the towing company is responsible. Their next step was to contact them and get their insurance information. After not hearing back from them for several weeks, I called this afternoon and asked for an update. The first person I spoke with said it looked like my adjuster had only done one thing since my claim was filed: type a note stating the towing company uses the same auto insurance company that I do. She looked through all of the evidence I’d submitted and, after viewing the video, she said she didn’t understand why this had not already been resolved. She then gave me the phone number for my adjuster’s manager. I get ahold of the manager and I asked her to please let me know what’s going on, and if there was at least a new claim against the towing company in motion. She said “I think this needs to go through the van owner’s insurance. The tow company’s insurance isn’t going to pay this claim”. She said she’ll call me when she’s had time to thoroughly review the claim. I would love thoughts from anyone who has worked in auto insurance, has had a similar experience, is a professional or recreational attorney, loves deciphering motor and insurance laws, or is just hella good at navigating these issues. *I’m in Virginia*

What are y’all thinking of doing- keep Healthy Paws for now if your premium hasn’t yet increased or cancel it now before you continue to give them money each month and they have a chance to ridiculously raise your premium in a year or two? I’ve had them as an insurer for two years. My golden retriever just turned 7. I know, these pet insurance companies get you bc it’s so hard to get new insurance for older dogs. I’m hesitant to continue giving a company my money if they treat their clients this way. The amount of premiums I’ve seen posted here in recent months is alarming.

After months of insurance I finally needed to go to the vet. Submitted a claim. They wont reimburse anything saying its all pre existing but it never happened before! Beware!

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

Location: Arizona My boyfriend and I rented an apartment about a month ago. Ever since staying there, we noticed a large, unavoidable amount of roaches. As stated in the contract, we were allowed to leave if the conditions were deemed unfit for living. We sent several emails regarding this situation, and even got bed bugs and have photos of proof of the roaches and bites as well as a doctor note. There were roaches in bags of potatoes, closed flour, and more. We had enough and left, leaving a letter saying we would be leaving and why. They are now trying to charge us 12k for the months that we left, and threatened to send to collections. We got an email this morning regarding the amount owed from collections. What can we do? We both don’t make enough to pay this off or to get a lawyer. Email: State Debt Recovery LLC, dba Genesis To: My name Their address My address Their address My state, city, zip Their phone # from 8am to 5pm PST, Monday to Friday Account: 0004531455 w.genesiscred.c 2/18/2025 State Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to MONTERRA (STATE). We will use any information you give us to help collect the debt. Our information shows: How can you dispute the debt? You had an agreement with MONTERRA (STATE), regarding 334. - Call or write to us by 3/28/2025, to dispute all or part of the debt. If you do not, we will assume that our information is correct. As of 2/14/2025, you owed: $12,322.62 Between 2/14/2025 and today: - If you write to us by 3/28/2025, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You were charged this amount in interest + $0.00 You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at ComplianceATgenesiscred.c. You were charged this amount in fees: + $0.00 You paid or were credited this amount toward the debt: - $0.00 Total amount of the debt now: $12,322.62 Your account bears interest at 10.00% percent per annum. What else can you do? - Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by 3/28/2025, we must stop collection until we send you that information. You may use the form below or write to use without the form. We accept such requests electronically at ComplianceATgenesiscred.c - Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. - Contact us about your payment options. - Póngase en contacto con nosotros para solicitar una copia de este formulario en español. How do you want to respond? Check all that apply: Mail this form to: STATW Debt Recovery LLC dba Genesis Their P.O. Box I want to dispute the debt because I think: -This is not my debt -The amount is wrong -Other (please describe on reverse or attach additional information). -I want you to send me the name and address of the original creditor. -I enclosed this amount: Make your check payable to STATE DEBT Recovery LLC, dba Genesis. Include the account number 0004531455 You can also pay online at: blank

Has anyone filed a life insurance claim through Aflac? How long did it take them to process and pay out? My father recently passed away. We filed our claim, they said part of a page was missing, so I refaxed the claim form again. They are slightly difficult to receive info from, and curious if anyone has a timeline of their policy payout.

So our Lemonade pet insurance is starting to be somewhat outrageous - $150 (80% Preventative) and growing at 7 years old. Healthy dog currently, but when we first got it, visited quite a few times. Lumps but not cancerous. Etc. Pet insurance ALSO does not always work. Lemonade also does not have a straight-forward appeal process when one of their staff misunderstands an issue and mis-categorizes it and denies a claim. I'm wondering if it makes sense to just start a savings account and put in $150/month into it? (And grow it by 25% yearly - the same rate that Lemonade has been increasing)

I’m having. Hard time with them right now!! I got my female cat spayed n hernia repair through the local spca low income program before I got her insurance Fast foward she now has pet insurance with trupinion since Jan she was spayed/hernia in September They keep emailing me n calling me for records on her spay n repair said they have contacted the SPCA n they haven’t emailed back ! I contacted the spca they don’t keep records or notes form the spay program So they emailed them n told them that! So now they are saying without proof she was spayed or hernia repair if I ever file a claim it may take longer to resolve stuff! I’m starting to think I’m paying them monthly for nothing ! I got insurance so I didn’t have a huge vet bill if she needs to go to the vet n cause they pay direct ! Anyone else have this issue? I mean what happens when someone gets a cat off the street or wherever n it’s already been spayed etc but they don’t know from where n don’t have records! Ugh! I feel like I’m wasting money!

I was on the freeway heading out to go camping. I was going 0 mph. The van behind did not stop and smashed into me between 20-30 mph. I have a rear camera on my truck that showed him looking at his phone. I also recorded as soon as I got out of the car of him admiting to not stopping. My car insurance (GEICO) gave me the option to go through them or the person that hit me. The van was a Xerox van. Their insurance is called American Way. I called them the day of and gave the police report. They said they use a 3rd party called Sedgwick. I paid 30k for my truck less than a year ago. 10k of that was because of all the add ons. The other insurance company said I have to wait 5 days. The rear of the frame on my truck is facing the ground. I’m not sure about the rest of the frame. Most of the people I’ve talked to said they will probably total it. I’ve also retained an attorney in my area for bodily injury. I work from home but, can’t sit at my desk for more than an hour. I’ve been seeing a chiropractor today and retained the attorney today. They said it will likely take 6-9 months and would settle between 20-40k. This is only for medical. Does this seem normal? Will I be able to recoup the loss on my truck for the extra 10k ? It KBB blue books for around 20k but, I paid 30k. I also had my Yakima box on the back and paddleboard which were destroyed. My own insurance said even if I use them for the truck I will still have to use the other insurance to recover the loss on my things that were destroyed and if they repair my truck for finished value. After 20 years of driving I’d never had a fender bender. Should I just go ahead and use my own insurance? Sorry for the rant.