Hi everyone, I’m hoping to get some advice on a situation that’s gotten pretty stressful. I live in San Diego, California. About two months ago, I was driving around 2 a.m. when a pedestrian ran into my car. He was running across the street diagonally, apparently intoxicated, and hit my car right as the traffic light turned green. I called emergency services, and he briefly lost consciousness but regained it and was taken to the hospital. I also have a witness who saw the whole thing and gave me their phone number and statement confirming that the pedestrian caused the accident. At the time, the police report clearly said the pedestrian was at fault. My insurance company (Geico) told me they would handle everything and assured me they had collected the report and all the relevant information. Fast forward to now: the pedestrian hired a lawyer and is suing me for bodily injuries. I just received a letter from Geico informing me about the lawsuit and requesting my statement again (even though I already provided it right after the accident). It seems like only now they are actually trying to gather the police report and contact witnesses. I feel that Geico hasn’t been proactive at all and may not be acting fully in my best interests. In the letter, they also mentioned that I have the right to hire my own attorney, and if I do, they will communicate directly with that attorney instead of me. My main questions: Should I hire my own lawyer in this situation, or is it better to just let Geico handle it? What are my chances of recovering my insurance deductible from the pedestrian, given that the police report and witness both confirm he was responsible? Is it true that a police report can be easily dismissed in these cases? Could hiring my own lawyer make this situation worse or “bigger” than it already is? Any guidance, suggestions, or similar experiences would be greatly appreciated. Thank you so much for your help.

I’m looking for a new dentist and almost every dentist I calls either is out of network for Anthem or isn’t accepting new patients. I have an HSA account so I have the funds to cover any fees that I might need to pay currently but I’m unsure moving forward if I should just drop my dental insurance and just move to a dentist that I like? I need some crown work currently so I could get that work done before dropping insurance but otherwise I just need regular cleanings and an occasional filling here and there.

I rejoined British Columbia Automobile Association (BCAA) last year, after a short time away. I like the extra comfort in having them as a backup for my driving. But, when I renewed this year, they had to fix a double payment issue. I had not caught the double payment myself. I paid online with a credit card. They charged the credit card the next month, without me knowing about it. FYI. Still staying with them for back-up but will check payments closer in the future. I got a refund and 9 months extra. fyi.

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.

Hi all, Hoping someone here can help me make sense of this or share advice on next steps. I recently had a BRCA genetic test done through Labcorp. Before the test, I received an estimate of $43.17 and got pre-authorization from Anthem. Everything looked good, so I went ahead. Now I’ve received an EOB from Anthem denying the claim. They say I’ve reached my “once per lifetime” limit for BRCA testing—and they’re expecting me to pay $3,000 out-of-pocket. I called Anthem, and they said the correct CPT codes were used and the denial is based solely on the lifetime limit. But I have never had BRCA testing before. It’s my first time. Anthem is now reviewing the case, but I’m trying to understand what might have gone wrong. My theory is that their system may have logged the pre-authorization itself as a completed test, and when the actual test was billed, it triggered the “second” test denial. Has anyone seen something like this happen? Thanks in advance!

NY - Liberty Mutual Got into a car accident in February. My dad was late to pick me up from work so I had to take the car to get there on time. Otherwise, I don't usually drive at all. I'm not listed as a driver on his insurance. Luckily, we had dashcam footage to show it wasnt my fault. The other driver's insurance sent a check for $2,800.00 to our insurance, but our insurance is refusing to give it to us for "lying" about me driving the car. Are they legally allowed to do this?

My parrot was diagnosed with avian chlamidiya at 2 months. He went through medication and was fine. I have nationwide insurance Nationwide says I cannot get that removed without another expensive chlamidiya test that won’t be covered. Recently I was very sick and while I was sick my bird got sick. I took him to the vet and they gave him different meds and said it’s most likely a respiratory infection, which is also what I had. They specifically put that it was a respiratory infection and not chlamidiya which a pretty serious infection. Nationwide marked it the same as chlamidiya and refused to cover it, said it was preexisting. There are a billion things that cause a respiratory infection in birds. It’s not fair that every single thing he can catch will be lumped in with a very serious condition that he had when he was 2 months. They told me I need the SOAP notes and a letter from the vet which I will be getting. But I will be looking for a different carrier for pet insurance because this is obscene and I already have a $250 deductible with this I wasn’t even getting anything back this was to just go onto the deductible!! I appreciate any help you all can help because I’m at my wits end here I’m going through way too much and I can’t take anymore

Two days ago, I had an online chat with a Geico representative about updating the odometer readings for the two cars on my policy. The chat was short and sweet and went smoothly. Today, I saw a mysterious credit card refund from Geico and logged in to find out that Geico had cancelled my auto-policy on the day I had the online chat. I called Geico just now and was told my policy was cancelled because "I called them to say I had another insurance" which is rather odd. I asked the agent to check the chat log/history to verify that no such conversation happened, but he said he does not have access and would have his supervisor (who can access chats) call me later in day. I am still waiting for this call. **What are my rights here?** Geico -- without notice -- put me and my spouse at unnecessary risk for two days as we have been driving uninsured without our knowledge. Is there anything I can do or ask for?

Good morning/afternoon/evening lovely humans. You read the title right, and the only reason I found out was because I'm currently getting my Property and Casualty license myself. I had my life before, and called them out on some shady shit, described below. My apartment with my (21f) and my (now ex) fiancé (23m) was broken into on October 13th, 2024. I'll refrain from details to protect my ex's identity, as well as my own, though this is still my main account. But, a very important detail is he is currently deployed, so I've been handling all of this by myself. I will admit I had to wait until around October 23rd to file the claim, since I had to do a thorough inventory of what was stolen (of both mine and my ex's, as he is unable to help due to deployment). A lot of stuff I still don't know if it was stolen or not, as full boxes of my stuff was nabbed, and I have no way of knowing what was in them as it's been a very long time since I packed them. So, submitted my claim on 10/23/24. Was told on the claim submission screen that I would be contacted in 1-3 business days. Seemed like standard procedure, so I thought nothing of it. Waited. And waited. And got sick, and waited some more. As a matter of fact, my life insurance licensing test was during said waiting period, as I didn't hear anything from Assurant for a WHOLE MONTH. I ended up reaching out to them, threatening to report them for malpractice to my state's Insurance Commissioner if they didn't start taking their job seriously. The first recorded day I have of them contacting me is on DECEMBER 3RD, 2024. So almost a month and a half after I had submitted my claim. After I got into contact with my claim adjuster (we'll call him P to protect his identity) things started moving pretty smoothly, or so I thought. P was responsive, answering my questions and making sure the payout would go to me to handle, as my ex is unable to really help due to his current situation. However, a lot of the gear he left in our apartment was stolen, meaning it had to be on the claim, along with prices for each item. We supplied them with the full CIF NSN list, with prices listen for each item he was issued... which Assurant proceeded to not use, despite adamantly requesting it. At this time, I should also mention I was dealing with chronic tonsillitis, and only got my tonsils finally removed on Feb 5th, and could barely swallow, talk, or really do anything due to how bad it was. I feel 10x better now that they're gone, but being ill was making it harder to remember to do things for the claim. That being said. I was still checking in and asking how Pedro was coming along, to which I was consistently being told that I had to "re-email" things since they "didn't show up". Which I can almost guarantee is BS, since emails are 2 way and I still have all of the info I sent to Assurant, all of which is perfectly legible. However, out of the blue, on January 15th, my claim was transferred to someone else, we'll call him K. K was... A good person at heart, I'll say. However, man was he LAZY. He refused to request his own copy of our police report, which as far as I'm aware, should be illegal, as that opens up the doors for fraud, which I made known to him repeatedly. Even still he wanted me to send it instead of him just requesting it from the police department himself. Keep in mind, January 15th. I had to request a new copy of the police report myself, as I was sent the wrong one when I originally requested the document (and not like to police department did anything about it, even though I repeatedly tried. They hung up on me every time). So I texted K back on the 29th when I received the document (FINALLY). He got back to me on Feb 3rd, stating he'd been out sick. Totally cool, I get it. I had sent it over email, as requested, and again there were "issues" with the document. Even though I could open it just fine through the email. I even sent it multiple times, all of which had "issues". As this was butting up to my tonsillectomy, I had to make K aware I'd be out on recovery. He got back to me on the 11th, giving me a call. I responded the best on day 6 of recovery (those who have had a tonsillectomy know how painful the scab process is), but it was just to let me know my claim had been processed and I was FINALLY getting paid. I had 6 months to claim the money, and as I had to close my bank account due to some financial troubles, I only just this past weekend was able to start the process to get the check. I'll have it by Wednesday, March 12th at the latest. But now here comes the nitty gritty. According to the Property and Casualty Insurance Provisions, "\[The\] payment to the insured or a person legally entitled to receive payment within 60 days of receiving the insured's proof of loss". Unfortunately that's just ExamFX's wording, and I don't know what the official source document is, so I turn to Reddit to help! What would be my next steps, if I were to report Assurant for malpractice? I think K is in the clear, personally, as from the time he was handed to report until payout was within 60 days. But P and Assurant as a whole should be reported for malpractice, at least in my opinion. My inbox is open for any questions, though I will not answer anything personal. I'll also respond to comments as I can. Thank you all in advance! UPDATE: I have reported them to my state's Insurance Dept. I will continue to update as I recieve new information.

Just got a letter from Erie Insurance a few weeks ago that my broker was dropping Erie and I need to find new insurance. I have a damaged chimney that I was planning on having an adjuster out to investigate to see if it was covered or not. I noticed the damage months ago, but decided to get quotes from brick masons before calling my agent. It took a very long time to even get anyone who would show up to quote it for me. Was told that it was structural and the chimney needed to be demoed down to the roof line and rebuilt, adding some new lintel. Quote was $7,500. I called my insurance agent and left messages on a few occasions. There does seem to be water damage under the roof, but I think it’s on old repair from where I had the chimney flashing and sheeting replaced around the base of the chimney at the roof years ago. So a few weeks ago, I get a letter stating that my policy was not renewing. I just talked to my broker and mentioned the potential claim (probably stupid move on my part) and what to do. After some questions, it looks like if I start a claim with Erie, it will show up on reports the new company can see and will have an open claim without a disposition. I could just jump ship altogether and get a new policy and hope they don’t do an inspection and find the chimney damage. I obviously need to get this fixed, and I will, but the timing of all this is terrible. If I can’t get a new policy because there is existing damage, there will be a lapse in coverage which could also screw me. Anyone got any advice? I’m thinking of just rolling the dice with a new claim and hope for no inspection, get the chimney fixed out of pocket and move on with my life. My dad recently switched from Erie to Farmer’s and they didn’t require any inspection that I’m aware of.