Hi, I got into accident and my car was total loss. It had a loan amount of $40k. Primary insurance paid market value $32k and pending was $8k, which suppose to be covered by GAP. I went to Gap, submitted all documents. The purchase agreement I had was under the name of A (lets say) Autos and Gap document had name of B autos. These two different dealerships had partnership at that time. Now Gap asked for original bill of sale and I provided it by reaching out to B. Now both documents Bill of Sale and Gap have same dealer name on it and they denied my claim saying ‘dealer name mismatch’. They denied a document and then denied the claim on basis of document that was never accepted by them. Please tell me what should I do. Its been 8-9 months I’m dealing with dealer at B autos and he is just saying same thing every time that he is talking to Gap sometime they respond sometime dont. Sometime this guy doesn’t answer my calls. Its costing me my mental heath, time and money without owning a car. Any leads appreciated 🙏

Taken place in TX with State Farm. Got rear ended. Driver claimed liability. Car is a total loss. Body shop is asking for $2100 and insurance is only willing to cover $1400 and the rest out of pocket. I don’t want to pay out of pocket or through my car settlement, how can I get them to cover the whole amount? I had a rental car for a few days up until I was notified my car was a total loss and insurance doesn’t cover for it after that so I returned it. Am I also able to get reimbursed for transportation i.e rental car or uber?

I got rear ended (hit and run) but it resulted in me hitting someone else. The guy I hit has a tiny scratch on his car and there’s deep crack mine that’s barely noticeable. The guy didn’t seem to care, he was fine, and seemed like he was in a hurry to get out of there before the police arrived. I got his license plate and he got my insurance information but I forgot to get his. Since there’s like barely any damage and no one got hurt do you think he’ll report it? I’m worried because I have USAA but it’s the bare minimum and when checking my insurance policy, I realized I put that I own my vehicle but it’s actually leased. I still owe a few thousand on it. I want to be honest with my insurance but I am so worried about the resulting possibly financial burden. I live in VA if that matters.

Trying to figure out how much longer I should justify purchasing insurance for my goldendoodle. He is very healthy, not overweight. But I do have some pricey allergy treatments for him a couple times a year, but doubling his insurance is crazy! Any recommendations? \*\*Nationwide pet insurance\*\*

With all the posts regarding Healthy Paws rate increase I was worried about my renewal. I am happy to saw that I just received it and it has not increased. It is staying the same at the moment. However, I will wait to see because a couple years ago there was a discrepancy and in August they sent me a new notice increasing me by $20. Fingers crossed that does not happen again. I was expecting a huge increase living in NYC.

Hi! Thought id share my experience with my cat! He is 4yr - i have had Trupanion since i adopted him a year+ ago. He had no pre-existing conditions. I specifically asked agent of dental was covered and they said yes. He has been to the vet a couple times - first time visit, ear infection, worms from new kitten we got, etc. The vet has briefly checked his teeth previously and said a little tartar but overall healthy gums. Friend got a new cat so was asking about my policy - reading the “fine print” is that dental doesn’t kick in until first post-insurance dental/oral examination. I immediately emailed and asked that his dental coverage has kicked in - they said no because they have no notes from vet. I said she probably didn’t note because there was nothing of note…asked if i got her to confirm they could put into effect retroactively. They said yes. Vet sent over full records to them - vet “briefly” checked mouth with said assessment on 12/11/24. They said it will take a couple days to process but will get back to me. Still waiting and can update but wanted to just flag!!! I also checked because he may have some mouth issues that i flagged to vet a couple weeks ago (still undetermined) but glad i did because i could see their potential denial saying “he didn’t have an oral exam prior blah blah blah.” Anyway TLDR - check the fine print!! They are so sneaky and if they fight me on this i will probably cancel.

I was just informed that my progressive home policy will be dropped due to the condition of my detached garage's roof. They want to see a signed contract to demolish the structure or replace the roof within "the immediate future." The problem is, we are working with a contractor and engineer to plan and permit a new 2 story garage/living space in its place and that process will likely take at least a year before breaking ground, maybe more. It would be a huge waste of money to re roof a structure that will be demolished and would be a huge inconvenience to demolish the structure over a year early. Does anyone know the magic words to say to impress upon them that the structure will be torn down. Or is there any way they can exclude that structure from my policy? Or am I SOL and should start shopping for a new policy?

Hoping someone could possibly shed a little light on my situation. My daughter wrecked her car in front of our house on March 2nd. On March 5th Progressive sent the tow truck to retrieve the vehicle which they towed to an IAA auction yard to have it appraised. The appraiser went on the 7th. I spoke with someone from progressive on the 8th who needed to verify a few things. She said something about it being a total loss which at that time I didn’t know, which apparently she thought I had already been contacted. I told her I hadn’t so she said well I’ll just go over it real quick even though this isn’t my department. She said that it was a deemed a total loss and they valued my car at $8200 something (I don’t really remember the exact number) Little lower than I expected but okay. Anyway I logged into the app to check the status of the claim and I do see it’s a total loss but the only thing I see is the appraisers repair estimate for $8289 and the deduction for the deductible. Is that what they are actually valuing the car at? Or is that simply a repair estimate? We still owe on the car so I’m trying to plan accordingly. I’ve contacted our adjuster but have left messages with no return call as of yet.

A few years ago, I co-signed with my ex boyfriend, we were dating at the time, on a 2019 dodge charger scat pack. We had a verbal agreement that he would be responsible for the payments. He got very behind on payments to the point it got repossessed. His dad paid to get it back so they could sell it since he couldn’t make payments. In September, it was stollen in Memphis (has video proof and police report) and never recovered. He filed a theft claim with his geico insurance but since I’m not on the policy they won’t give me any information on the status of the claim. My ex also isn’t being cooperative and won’t respond to me with any information either. The auto loan still hasn’t been paid on. On April 1, the auto loan lender, Capitol One, said they will pursue legal action against us. I’m considering bankruptcy as a last straw possibility. I’ve tried everything I can think of and I just don’t know what to do now. I’ve been trying to contact lawyers in my area but they either say they don’t do that kind of law or there’s a wait to hear back from them.

So I have had AmFam insurance through Costco (live in Wisconsin) for a couple of yrs which comes with with a few perks that I thought would be helpful; non-deductible coverage for 1k to fix a window and $100 for locksmith if you get locked out. Well, in the span of 6 months I ended up using both of these but didn't know they get filled as claims against my insurance. Fast forward 6 months, and I just a notice of Non-Renewal because I have had 3 claims in the last 3yrs (I've a claim bcuz of lost baggage 3yrs ago). I'm calling around and getting a lot of refusals and getting a bit scared that I won't find coverage for the house. I tried appealing the decision but that didn't work either Is there any way I can drop these AmFam claims? Or known companies that would still cover here?