Hi guys, I am a foreigner who arrived to the US last year due to work. I had auto insurance for 4-5 months and wanted to change and see if I could get something cheaper. In March I finally found one who could half my monthly insurance cost which we settled the same day. The broker confirmed all details that I am a foreigner, with an international license, 7 years driving experience OUTSIDE the US. 2 weeks ago, Progressive sends me an e-mail that a automatic payment will be made in April of $1107. I had no clue what this was, as the broker told me the cost would be $106 monthly. I immediately call Progressive and they inform med that the broker most likely inserted incorrect information or misunderstood how to fill out their quoting system. They also tell me, that they send me physical mail to my address that the insurance was not eligible and the policy was updated to reflect my correct details. But I am yet to receive this mail, which according to them was sent the day after I approved the quote I was sent. What concerns me a lot… - Why did Progressive not send anything in regards to this change? - only my State ID was given to the broker and as I understand with my prior insurance company, they require my international- and foreign driver’s license to insure me - can they update it without me confirming/agreeing to this change? I have called and mailed the broker which is yet to answer and pending their response. What do you do, in this case? Location: North Carolina

I accepted FEMA'a offer of NFIP insurance for three years with the stipulation that I am required to maintain flood insurance on my own dime for subsequent years. They sent me an acknowledgement form to sign and a glossy brochure with generic information about flood insurance. However, they never sent me a policy, declaration page, or policy number. I have no way to know if I am covered. It has been four months since I was "informed" that I have NFIP insurance. What is the best action to take at this point?

Tl;Dr: Hertz overcharged me when renting a car. After customer service could not help, I opened a dispute, but on the wrong charge as I'm dumb. The dispute was closed and money returned to Hertz. Now they have sent multiple invoices requesting payment for this charge, and as of March 5 it has been sent to collections. Hey! So back in August 2024 I rented a car with some friends, to be picked up in San Francisco and returned to Las Vegas. We booked online and chose the extra insurance and have a layout of all charges in the initial email. We paid $350 CAD when booking. When picking up the car, we also added a secondary driver. The remaining $1680 was to be billed to the card already on file. When the email came through after picking up the car, I saw it was about $230 CAD above what I expected, but I assumed this was a damage deposit or something of the like. When we returned the car however, the final invoice was still about $230 above what I expected based on the initial booking invoice, plus the additional driver. This is also taking into account the charge for dropping off at a different location, the extra insurance, etc that was all listed in the initial email. Unfortunately, we dropped off the car late at night and flew home the next day, so there was no staff in the office to speak to. Fast forward a couple weeks, the two charges were posted and still remained, collectively, about $230 above what I was quoted, including the extras we chose. So I called Hertz. Customer support couldn't see any issue, but also said there was no manager present to speak to. They put in a request with their financial team to contact me. I was never contacted. A couple days later, I called again, and met the same result. I should have been more aggressive and demanded to talk to someone who actually knew how to look an invoice, but I didn't. Again I got them to request an email from the financial team. This time I did get an email from them, to which I replied and explained the situation.. And never heard back. At this point, I just opened a dispute with my credit card. Unfortunately, I still wasn't sure which exact payment was overcharged, so I opened the dispute on the initial booking fee of $350. This means that this amount is refunded back to me temporarily, pending the final results of the dispute. In hindsight, that was obviously not the way to go, but at the time I assumed they just didn't subtract the booking deposit from the final bill. However, this was incorrect, and by mid December, after Hertz replied to my bank, it was deemed to be incorrect as the overcharge had nothing to do with the booking deposit. The $350 was returned to Hertz on December 13th. They already have the money. However, in mid-January, I received an invoice in the mail from Hertz detailing that I owed $350, with an invoice date of December 29th. So two weeks after the money was already returned. Prior to this letter, I also called Hertz yet again, and finally got someone who felt sympathetic and refunded me the $230 I was overcharged. This was done through official channels as he sent the request to their financial team. I wish this had been the result at the beginning, but unfortunately here we are. Now I stupidly ignored this first invoice letter because I assumed that once their financial team did a year end balancing of accounts, the disputed amount of $350 would be seen to have been refunded back in December, and I just wouldn't hear from them again. However, that was not the case, I got another couple letters from Hertz. Two weeks ago, I emailed the address listed on this Hertz invoice, and explained, in rather pissed off terms I confess, the entire situation, and that the money had already been returned to Hertz. I made sure to iterate multiple times that they already had the money back that they were requesting. I got an email a few days later notifying me that my email had been forwarded to the Hertz collections team. I never heard any confirmation back from them. Now, today I received a letter in the mail from a collections agency stating that they have been given the charge and I have 3 days to pay or contact the office or it would be placed against my credit rating. However, this letter was mailed on March 5. And I checked the mail yesterday. It just got here today, 7 days passed their letter date. What is the best course of actions here? Realistically it probably isn't productive to hire an attorney to deal with a $350 collections charge. I will be calling the collections office today of course. But I wanted to get some advice from the fine people on here. I do not want my credit rating to be damaged. UPDATE: Spoke with the collections agent who handled this, and she hadn't gotten to processing my case yet. So my credit is safe for now. I sent her my credit statements as proof that the charge has been paid back to Hertz. She'll update me later after she forwards this to Hertz. If anyone has advice for how to handle this if for some reason Hertz doesn't back down, I would greatly appreciate it. Is it just a safer option to pay this charge, even if that means double paying them, rather than go through all the legal hassle? Like yes it's about the principle of not letting a company walking all over you with no recourse, but at the end of the day, I don't want to hurt my credit rating or have to deal with thousands in legal fees with no guarantee it'll be covered if Hertz settled.

It's a 2022 Genesis g70 RWD fully loaded prestige package and they offered me 31500. Kelly Blue book gives 31500-36000. Is it worth hiring an appraiser to raise the price? The adjuster doesn't seem to want to budge.

I currently have an auto policy with only my teenage daughter (17F) after removing my STBX from the policy, but I feel like the premium for my car is higher than it should be and I'm wondering if there are any ways to reduce the premium. I am a 40M with a very clean driving record, my daughter had a claim last October where she hit a fire hydrant and the repair was \~$10k or so (no meaningful property damage to the hydrant). I drive a 2021 Tesla Model 3 and she drives a 2017 Audi A4 that her grandmother gave her. Total monthly premium with GEICO is $548 for my car and $366 for her car. I believe the average Model 3 insurance rate in Colorado should be closer to $300/month and I'm just trying to think of ways to lower my premium. Is it possible to separate policies and save money if I make it so that she can't drive my car and doesn't need to be insured for that? Any advice or ideas are greatly appreciated!

I have aetna cvs hmo. On the app it says I spent zero towards my out of pocket max which is not true since I went to an in network urgent care yesterday and spent $5 for my copay! Once the out of pocket max is met, then insurance covers all medical costs. Also when it says that my insurance will cover 100 percent for all medical services that are covered..when it says covered does that mean covered as in network providers?

I have two cats, Fox and Ollie. They are brothers and turn four in September. I got Nationwide Pet Insurance in July 2024 for the first time. I did not notice at the time, but their plans didn't match. Fox's was $189 for the year, Ollie was $190. I called to change the renewal policy so it was the same, and to add Behavioral coverage. I wanted to match Ollie's coverage to Fox's, add behavioral. Fox's renewal, with NO CHANGES, increases by $125/YEAR in July. The woman on the phone said it's "because he is a year older." Lady, he will be FOUR this year. FOUR. Current: $19/mo > $29/mo So, recommendations? They are two boys, indoor, vaccines up to date but no recent vet visit. I'm mildly concerned Ollie has a behavioral issue but no diagnosis and running off vibes and tiktok diagnosis, not real doctors. I am going to wait to take him to the vet about this until I have the right insurance policy JIC, but SHOULD I even have cat insurance?!?! Otherwise, they're two healthy young cats. Indoor. Thoughts?

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!

Location: Missouri Alright long story short, I had a car accident earlier this year that totalled my vehicle. I had full coverage insurance that covered the majority of the auto loan I had. The other party, the GAP insurance is to take care the rest of my loan. I got a piece of mail from the GAP people saying the check has been issued to my lean holder on February 11th, was told it should take no more than 30 days for that money to hit that account. So I called my auto lender to ask what's going on, turns out the GAP insurance company sent the check to the wrong address, that was March 11th. 30 days since the initial start of the GAP claim, I called them again today, March 25th to figure out what is going on. Come to find out they issued a new check on March 18th which was last week. It's been 7 days, nearly 45 in total since my auto loan should of been taken care of but it hasn't and I haven't been able to get a new loan due to my current outstanding loan that the GAP insurance is supposed to take care of. Basically I don't know what to do at this point, I'm still paying on the current auto loan cause I don't want it to effect my credit but at the same time I no longer have the vehicle since it's been totalled and taken by my auto insurance, what do I do in this situation, is there anything I can do?

I was involved in a car accident in Michigan, and the at-fault driver’s insurance denied my mini-tort claim because they don’t have mini tort coverage. I still have out-of-pocket repair costs ($1,000), and I want to file a small court claims case against the at-fault driver. I have the **police report**, repair estimates, and insurance denial letter as evidence. **My questions** ❓ 1. **How do I file a small court claims lawsuit in Michigan?.** 2. **What court do I file in—where the accident happened or where the driver lives?.** 3. **How do I serve the at-fault driver properly?.** 4. **What happens if they ignore the lawsuit or refuse to pay after a judgment?.** 5. **Has anyone successfully won a mini-tort case in small claims court?.** Any advice or experience would be really helpful! Thank you!