I was involved in an accident where a truck ran a red light and hit me. Their insurance totaled my car. I feel the offer they are willing to pay me for the total loss of my car is low balled. Is there any room for negotiating with insurance companies or do I have to accept what they offer? Anyone have experience with in this matter. The insurance is State Farm.

State Farm raised my insurance from $180 a month to $340 over the span of 6 months. Very little and random explanations. My car is 10 years old, it’s insane. P.s. anyone know of good and not stupid expensive insurance in Los Angeles?

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?

Location: New York State I recently moved and set up auto deliveries with Amerigas, mistakenly assuming auto payments were set up as well. On the morning of March 25th, I discovered my propane service had been cut off without any prior communication or notice, leaving my home cold and smelling of propane. I immediately paid my invoice in full upon realizing the mistake. However, when contacting Amerigas, they stated they couldn't restore service within a reasonable timeframe (2-6 days) and refused to allow another company to fill the tank, which I believe violates the Propane Consumer's Bill of Rights. Additionally, they indicated I couldn't purchase the tank, contrary to my Residential Customer Agreement, and didn't provide the Propane Consumer's Bill of Rights in our contract, which is another violation. They also mentioned no notice was needed before service disconnection, which I understand contradicts New York State Heating Fuel Customer Rights. I have been a customer for six months with no prior issues. What legal options do I have regarding these breaches?

At the end of 2024 my wife visited an allergist to try and get a handle on her allergies. A boat load of testing later and she needs allergy injections for her horrific environmental allergies to attempt to get control of them. Everything is good with this allergist at this point. It’s the end of December 2024 and the allergist informs her at her appointment at the end of the next month (January 2025) she will owe $1500 to start her year long series of injections. We have a HDHP with HSA so we totally understand that cost because the deductible resets. Well life punched us hard over the next month and my wife has ramped up her attempts to find a new job because she is so unhappy at her current one. Given everything going on and the fact that she isn’t sure if she will continue to have the same insurance or access to the same provider to complete the allergy injections if she gets a new job, she decided now isn’t a good time to start the allergy injections. So she cancelled her appointment 48 hours prior to the scheduled appointment. This provider did not give her any kind of verbal, written, mimed, carrier pigeon, etc policy related to appointments, billing, and/or payment policies for the practice. Nothing. So at the beginning of February 2025 she received a bill from Quest for the bloodwork she had done in December 2024. Two of the bajillion tests requested by this provider were not covered and it was going to cost us almost $700 out of pocket (whole separate issue we’re handling). She couldn’t find an EOB so I told her to log onto the portal to see if she could download it. Well she logs onto the portal and there are $2,000 worth of claims submitted from this allergist in mid January 2025. They were not the claims related to her appointments in December 2024 and they were submitted two weeks before she cancelled her first allergy injection appointment. To make a long story short, the allergist prepped the injection two weeks before my wife’s first allergy injection over the course of 3 days and submitted the claim to insurance for it. The doctor’s office is saying she is responsible for the bill and I’m saying that sounds like fraud for billing for treatment she never received and was prepared without any kind of contract or informed consent to give her the opportunity to prevent this from happening. My wife has spoken with 2 different insurance reps and one was like yeah you’re responsible and the other said I’m referring you to our fraud department. The doctor is entirely unhelpful and has refused to communicate with her on 1. Why there is no practice policy to avoid this situation and 2. How long that injection mixed up in good for and 3. What happens if she stops doing the injections after one appointment. What do we need to know about this? Is this fraud? Should we push to not be responsible for this cost? Did my wife make a mistake somewhere in understanding how allergists operate and missed what is the obvious to the field she should have cancelled her appointment at minimum two weeks before it was scheduled?

I am getting some MRI's done at a outpatient facility and wanted to get an estimate by my insurance on my copay. My insurance asked me to get the NPI /taxid for the radiologist that will be doing the MRI so they can get the best estimate. I have BCBS I contacted the outpatient facility (NJ imaging network), and they gave me an NPI number but thats the NPI nubmer of the facility. I asked for NPI number of the radiologist, but they said that they bill under the facility, not the radiologist. How am I supposed to get an accurate estimate here? Also by "provider" billing I mean physician billing

So like the title says, I crashed my car in July. It was stated that I was at fault and geico covered every bill, except the ambulance one. The thing is, I didn't know there was an ambulance bill until a month ago, they said somehow the ambulance wasn't able to get the insurance or anything but I called GEICO and sent over the bill, and now they are saying they can't cover it and it has to be sent through my health insurance. I'm confused on that part because I thought if it was a vehicle accident then GEICO would cover it, but now they're saying otherwise. I'm just trying to understand the policies cuz I'm just confused right now. Edit: I live in NJ, and they said my coverage wasn't exhausted yet.

I have had a commercial policy with the same carrier for 13 years under my ownership, but as far as I know my parents and grandparents have used the same carrier since the 1970s. Does this matter? Is a claim a claim and you get dropped or treated the same as anyone else that just signed on with them last year? I called my carrier and wanted to talk to my underwriter to verify my agent is actually trying to implement the changes i have asked for. In the past my last broker lied to me about putting in for higher fire coverage, and how I caught them was by calling my underwriter. This time when I called I got someone in member services but she wouldn't transfer me and was super passive aggressive, laughed at me etc. I want to actually use a company that's not hostile to me trying to verify if my agent is actually doing what they say. Long story short after what I believe is 49 years with one company I want to know if it's worth staying or if it matters?

Their advertising is downright misleading. Your premium does not go up as your dog ages. Sure, it does not, they find other mumbo jumbo to achieve the same thing. My premium has gone up 40% over the first two years (our boy was signed up as soon as we brought him home). Before deciding on Trupanion I did fairly extensive modeling based on real time quotes from them and their competitors. Trupanion came marginally ahead IN THE LONG TERM despite having substantially higher upfront premiums. The price increases I have experienced make the previous analysis null and void. I am looking for an alternative. Could people. With long term experience (ideally senior dogs) comment on possible alternatives? Thanks

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.