Hello all, thank you in advance for your help, this has been a nightmare of a case with the valet company that services my apartment building. Long story short, the valet that parks the residents cars at my apartment building backed my car into a wall causing significant damage to the trunk and bumper. The valet is denying responsibility given there was no camera that captured it happening in real time. The valet company is refusing to give me their insurance information, and my insurance is claiming the valet driver is a “permissible driver” and therefore the liability falls on me. Now my insurance is being raised by almost double because I now have an “at fault” accident on my record. What is the best course of action here? How can I get the valet’s insurance info? Any help here is greatly appreciated…

Hi all, (Reposting because I didn't know how to format) TL;DR: Insurance denying approximately 40K worth of costs (approved line items, just more expensive in the region than their estimate), went to appraisal with adjusters, umpire selected, month later learn that insurance company is now represented by lawyers. We experienced a water damage claim impacting a 3-story townhouse, all continuous wood flooring, walls, and kitchen cabinets, counter, backsplash, with Traveler's in Dec 2023. We are located in King County, Washington; the house is built into a slope not directly accessible to the street and is stand-alone (no shared walls) on a plot with 3 other homes. My initial quotes from contractors up to 100K. I went with a contractor who quoted around 80K, good guy. Escalated through several Traveler's adjusters in Winter 2024 until an adjuster came in person in late Winter and agreed with our contractor and the work moved forward. The insurance company adjuster recognized that the costs were going to be pretty high and was working well with our contractor, it seemed. I handled cabinets, backsplash, and counters directly with a subcontractor and my contractor handled drywall, paint, flooring, pack-out and move in, and more. I got approval from insurance adjuster along the way and ended up getting approval for all of the kitchen work, fully covered, around 33K. Due to delays from Travelers and subcontractors, with materials being hard to come by, our kitchen floor was unfinished with nails sticking out until May 2024. We wanted to keep things moving and settled on cheaper flooring than an exact match that was available sooner than the Fall, so we moved out in May (I had gotten approval for housing costs in early May from insurance for several weeks). Then, for whatever reason, their adjuster stopped responding to my contractor for a few weeks in, approximately, late-May and June. The flooring and painting work was finally done and the cabinetry, counters, etc. mostly got done in mid-late July. The work was mostly completed by August except for a few small things. The final costs of the new installation of cabinets, counters, backsplash in the kitchen, which I had handled and which had been covered, was approximately 33K which has all been paid out and completed. Mitigation was done for 6.6K with a separate company. The remainder of the tear down, pack out, dry wall, painting, flooring, cleaning, plumbing, electrical, etc., onwards from my contractor ended up being 105K. With the previous adjuster, the claim was sitting around 70k estimate from the insurance side with an expectation that it would go up conveyed verbally with their adjuster several times. In this period, since the insurance adjuster had stopped responding, my contractor had reached out directly to Traveler's. At some point a new adjuster was assigned and then, in June/July, the case was passed through, I believe, 3 more adjusters. The final adjuster basically went through and wrapped up the claim, including recoverable depreciation, but didn't really acknowledge the actual costs of the materials, labor, compared to their estimate and essentially closed the claim at approximately 95K total, which included mitigation, kitchen, and the contractor's work. That left a gap of approximately 40K still due to my contractor. After a month or so of back and forth, we agreed with the final insurance adjuster, to go to appraisal in November. We selected an adjuster. It seems that nothing was happening for several weeks and then eventually Travelers selected their adjuster and he actually came to inspect the house in December. Then per our adjuster, unable to be reached/unresponsive for several weeks. Once they did get into contact and went back and forth in late February, they finally agreed on an umpire. Then, out of nowhere, in mid-March, the third party adjuster representing Travelers informed our adjuster that Traveler's had assigned or hired lawyers to handle this claim and they were no longer continuing the appraisal as previously agreed upon. Here is the policy language regarding appraisal: ...7. Appraisal. If you and we fail to agree on the amount of loss, either party may demand an appraisal of the loss. In this event, each party will choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the “residence premises” is located. The appraisers will separately set the amount of loss. If the appraisers submit a report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of loss. Each party will: a. Pay its own appraiser; and b. Bear the other expenses of the appraisal and umpire equally. My question is - why did Travelers go with attorneys after there was an umpire selected? - Could it be something as simple as the timeline being so protracted? We have emails showing the umpire was agreed upon a month ago. - I am concerned that, as I see in this community, our adjuster was filling the costs to try to get a better negotiating position... Not sure if that would play into this...? - The work was expensive and challenging to complete but there are no line items that were not previously approved - they just cost more than what the insurance company estimated. I have not heard anything directly from Travelers. My contractor has been wrecked in this process, it's been tough for me as well. The idea that we need to face an attorney is rough. Appreciate anyone's insights or guidance! TL;DR: Insurance denying approximately 40K worth of costs (approved line items, just more expensive in the region than their estimate), went to appraisal with adjusters, umpire selected, month later learn that insurance company is now represented by lawyers.

So I can upload my gap contract and everything if need be but my car was totaled (hit a deer) and they said they figure it out by my total owed at time of loss was 21,187.49 subtract insurance settlement 18,179, then they said insurance took off $1,866 due to condition of vehicle which was just normal wear and tear deductions. So l'm left with $1,141.99 GAP benefit. So they're saying my base vehicle value according to CCC was $19,416 then they subtracted $1866 due to condition adjustment then I'm left with adjusted vehicle value $17550 + tax title and fees comes to $18679 minus my $500 deductible. So l'm left with $18,179, and then my insurance said my actual cash value was $17550. So am I getting screwed here? https://ibb.co/7JHOdYML https://ibb.co/NdpH9f59 https://ibb.co/sJP16tQp Gap contract. It's through EasyCare.

Long story short, I recently got a grant for my son who has autism spectrum disorder and was able to find a provider who had social skills therapy for him. The grant will reimburse me costs 100% however they need a copy of the EOB. I found a provider who was out of network but was the only one offering this therapy in the time period I needed it. She was upfront saying that we would have to file our own claim which I have no problem with. She provided the superbill and all of the codes. Well today I logged into UHC to try to submit a mental health claim and the form is not available, then I called them and they told me that I cannot submit my own claim. I told them that my provider does not file claims but they were insistent on saying that the doctor would have to file them. Is this a common practice? I am just frustrated.

So am I overpaying? Any recommendations on where to go? Nationwide increased my bill by a lot. Healthy dog.

I was on fetch but they have increased my rates a lot since I first joined when my dog was 4. Started at $60/month now I’m at $200/month despite never making a claim. I’ve read that fetch is a scam, but then again I’ve also read embrace and trupanion are scams as well. Does anyone have any insurance recommendations that are actually decent? She is in good health, thankfully, but as she gets older I want to still make sure she is covered, just in case.

I went in for my sterilization a few weeks ago and was SO excited to finally have it done. I have BCBS and my doctor's office said that insurance will cover the procedure 100%. But when I got to the hospital they said it would cost $10,000 because the hospital is not in network. Is the hospital correct on this or do I need to contest it because my insurance is ACA compliant? Can I contest it before the surgery so I'm not potentially stuck with a stupid huge bill?

Location: Maryland (currently living in Georgia now) So I got into a car wreck back in December. My car received 7 grand in damages but managed to make it out. I ended up going to the hospital because of the wreck and the at fault driver hit another vehicle as well totaling both of their cars. Now some months later my insurance company, who is handle my legal matters (it’s USAA if it matters), has informed me that the at fault party has been sent to collections. And I was told if they don’t respond their license will be indefinitely suspended. But nothing else really? I have lost a lot from this accident keeping me out of work and a vehicle for quite a while. And the value of my perfect condition vehicle has made it work about a couple of grand when its initial selling value was over 12 grand. I am a safe driver and I feel like I’m being punished for an irresponsible driver and my insurance isn’t really doing much to remedy the situation cause at this point it really has been money out of my pocket. Also the at fault driver was uninsured as well. I don’t know what to do and it’s been making me really kind of sad about it.

For context, this is in reference to a claim with American Family homeowners policy in AZ. Long story short, we had a claim for our shower 6 months ago. Contractor gave estimate for $8700 (ish) and I was paid $7700 (ish). Our responsibility is our $1000 deductible. Our contractor is auditing our account to make sure our final bill is correct and he’s saying that O&P was only included on a few line items and not all of the line items. He thinks we are owed more money because it wasn’t properly calculated. The adjuster is saying that O&P is only paid when 3 or more trades are used and we had more than 3, but somehow there is a disconnect and the adjuster is stonewalling him. I don’t know how to approach this situation. We’ve used this contractor before on a previous claim years prior so I trust him and his expertise about insurance claims and what’s “right” and not fraud. And if this is how he deals with other claims, how is it that American family is causing such a headache? I just don’t know what to do. He also thinks that if he was dealing with an experienced adjuster this wouldn’t even have been a discussion and it would have been handled correctly. Any insight would be great. Thank you.

I have 2 dogs, 7 and 6 years old. They both have had some issues with lower back pain and suspected arthritis but not diagnosed. I got an email notifying me of my embrace insurance premium going to almost double! Can I switch insurance despite them being this old and having received physical therapy? Or are they pre-existing conditions that will prevent a new insurer from writing a new policy?