I’m confused and need some advice on my current situation. I was involved in a rear end accident, not at fault. Car is drivable with a minor dent in the trunk and paint chipped. The facts: - car is a 2014 Lexus es 350 - The person at fault has Liberty Mutual - initial estimate from their in network shop was $2100 - after they began working on it the supplement charges ended up close to $8700 after being in the shop for about a week and having a rental Today I got a call saying that the car was deemed total loss because cost to repair is over the 75% threshold. I still owe on it the car. What options do I have? Could I take it to another shop to get a lower estimate? There current labor charges were over $5k. I feel like as the victim of this I’m still getting the bad deal by not only losing my drivable car but also potentially paying out of pocket for the gap and rental. What should I do?

Hey Folks so I'm 30+, I had Star Health insurance earlier however I don't see that they are updated on offer good enough health claims for women specifically. I'm searching for a good insurance which caters to medical needs of women 30+ and over where things like Ovarian cancer shots, PCOS/Fybroid related surgery etc can be claimed. I had a very tough time convincing the policy manager at Star bazar to accept my claim for the same while it was a procedure suggested by the doctor herself. But clearly they seem to know my body better than the actual doctor (LOL) Could you recommend some insurance companies that do cater in the above factors and have better facilities available especially for women.

Location: perth wa Last year my partner got rear ended in march 2024 while they were on the way to work. Got admitted in Fiona stanly for three days to do test and scans and lodged the claim with insurance commission of wa . They kept asking documents and stuff for 4-5 months yesterday (after 1 year going back and forth)got payed $787 from insurance commission as one of payment as a loss of salary while they are still not capable to be back to work. Is it worth proceeding it with legal ways to get compensation for the loss of salary. Salary was $950 average a week. Thank you

GEICO removed my telematics discount after a month. Not exactly sure why the score seemed fine , in the high 80s, and it had been used regularly. It is what it is, not sure I see the point in arguing with them. It drained battery any way. However, I’m concerned about how much more it will go up at renewal. Anyone have experience with this?

Not your standard switching question, honestly. My partner got a job that offers metlife so our 2 dogs are eligible to switch over to metlife from our current insurance. We have petsbest currently. I already checked and there's no concerns about it being my partners work (and only I am currently on my the petsbest insurance). I spoke with metlife on the phone extensively so I can switch anytime basically, i'm mostly wondering reasons I might want to stay vs not. Both my dogs have quite a few medical conditions and Petsbest has generally done due diligence. I insured my pit mix in Jan 2022 when I got him and they've covered almost everything. (Annual premiums: 2022 was 460, 2023 was 560, 2024 was 725, and this year was 1032. 250 deductible, 90% reimbursement, unlimited level). They denied only one claim. They denied something and considered it alternative. Even tho it's supplied by a teaching hospital, has studies, and the doctor wrote a huge letter explaining why it was the only option for my dog (my dog has multiple concurrent co-morbidities). They still said no. I asked before hand but they wouldn't pre approve and when I said I was concerned bc it was a big bill they just said I could always appeal. I did, and even with a super detailed letter, nothing. However, he has MANY medical conditions- allergies (on apoquel, immunotherapy, regular derm visits), anxiety (on a couple medications), hip dysplasia/OA and IVDD (on meds and may need surgery). So they've more than paid for his medical conditions. Second dog we adopted in Sept 2024 and she was a 500 deductible, 90% reimbursement and 816/yr. Ended up in 12k in bills between emergency surgery, post op complications and follow up labs. They've paid up. We had to appeal one thing but successfully this time. Petsbest has been fine and paid and processed, though slow, which is fine. I'm mostly considering metlife as both dogs are on prescription foods and metlife will cover wellness care. I could get both dogs annual dentals (which i always planned to do, but was considering pushing it out to 1.5 years out when I'll get a better dental price at a new employer), get tick and flea prevention covered! (200 for one dog, 220 for the other). The prescription foods for the dogs run me about 70 every 1.5-2 months. I'm seriously considering it but feel like there may be something I'm missing. The company confirmed they'd cover rx food even tho petsbest doesnt, btw. Same with dental cleanings. These were their quotes and I was planning to go with the most expensive one, tbh: * Family plan: 250 deductible, 90%, unlimited was 2108.92 without wellness  * With wellness: 2938.44 * Family plan: 500 deductible, 90%, unlimited was 1783.25 without wellness  * With wellness: 2469.98 * Family plan: 250 deductible, 80%, unlimited  * with wellness: 2047.84 * Family plan: 500 deductible, 80%, unlimited  * with wellness: 1728.52 Would love any insight and opinions.

State is Michigan. I want to keep this as private as possible. Basically I had a double mastectomy back in the beginning of January. It was supposed to include liposuction on my sides to prevent 'dog ears'. I traveled 9 hours for this surgery. The swelling was so bad under my armpits I couldn't really see the open wounds. When I would do my cleaning and dressing changes every day I noticed a lot of discharge and blood. I had both of my sisters look at the wounds since I couldn't see them. I ended up going to the ER. The did cultures of both side wounds and started me on an IV antibiotic and an oral one. I contacted my surgeons office and got scheduled with a PA. They tried saying there was no infection and just to put Vaseline on it. They then extended my LOA at work. The ER contacted me and said that I had E. Coli and a staph infection. They changed the antibiotics because the one they prescribed wouldn't treat the infection. I relayed this info to my surgeons team. At this point I still haven't met with my surgeon after two months. I googled how to treat the wounds and took the care into my own hands. No doctor in my area will touch the surgical sights since they didn't perform the surgery. Two months later and I still have an open wound with discharge. Fast forward to this past Friday my health insurance sends me a subrogation claim letter to fill out. I have never heard of this before. It wanted me to file a police report and a LARA report. It also asked if I've hired an attorney. I called the state police post and they said to call the attorney general for any medical malpractice suits. So my question is how do I find the proper attorney and what are my steps now? I live in a small town and don't even think there are any attorneys that deal with medical malpractice. I have very detailed documentation of my infection and medical reports. Any advice is welcome.

I need some insight from others who seem to be having the same issue with rate increase on their dog’s premiums. My senior dog is going from $179 to $410. I cannot afford it but i need something in case he has an accident / medical emergency. What are you doing if you’ve also received a high rate increase? I understand pre existing conditions are not covered if we switch up. He is currently on an Apoquel medication for lifelong allergies, and so far so good healthwise. He is also a Saint Bernard so as a giant breed, they do not have a longer lifespan. We live in California. A quick search showed me ASPCA pet insurance, which i didn’t know existed… Any advice is appreciated and thanks in advance. Edit: typo on ASPCA 😅

I live in Colorado and was in an accident where the other driver admitted fault. Their insurance company (Progressive) accepted full liability, paid for the repairs, and told me I could file a diminished value claim once repairs were completed. I filed the claim with an independent appraisal from a DV business that valued my loss at about $4,000. Now, Progressive is denying it, saying I’m “not eligible” because I’m keeping the vehicle and not selling or trading it right now. Their email says: > “As you are keeping the vehicle and not trading it in or selling it, there is no way to measure diminished value as you’ve not lost anything.” This is a 2024 Hyundai Kona with ~11,000 miles, accident-free before the crash. My understanding is that Colorado law allows diminished value claims in third‑party accidents regardless of whether you actually sell the vehicle—it’s based on the market value difference before vs. after the accident. Do they actually have legal grounds to deny me just because I’m keeping the car? Has anyone in Colorado fought and won this?

For those of you with Pets Best, how long does it usually take for them to finish reviewing a claim? I feel like they are taking forever lately.

I'm looking to insure a 2018 Chevy Cruze, full coverage. Was quoted $389 by progressive, and that's more than I can afford monthly. Looking for recommendations on insurance companies that might have cheaper/mor affordable rates