Hi, our new 2024 Tesla Model Y LR was declared totaled by Tesla Insurance and they are valuing the car at $39,451, which we don't think is fair. We bought the car in mid-Aug 2024, had only put 1316 miles before we were involved in a crash on Dec 03, 2024. We were at fault party (there was no other party involved) , so we filed a claim with our Auto Insurance which is from Tesla Insurance. We are in Fairfax, VA, but the valuation report uses for reference a similar Tesla in Apopka, FL, \~ 1000 miles away !. Btw list price of the Apopka, FL was $ 40,900 and it had 3904 miles on it. Also they have listed the Vehicle Condition as Good/Well Maintained across different areas. We do not know the scale Audatex (3rd party company who provided the valuation report) uses but our car was impeccably maintained and its condition was 'Excellent'. Need advice on how to fight back. Thanks. # From the Valuation Report: **Vehicle Condition** * Seats: Good * Carpets: Good * Int Trim: Good * Glass: Good * Headliner: Good * Body: Good * Paint: Good * Ext Trim: Good * Engine: Well Maintained * Transmission: Well Maintained * Front Tires: Good * Rear Tires: Good **Valuation Details:** * Price ( Comparable Vehicle, Apopka, FL) : $ 38,501 * Odometer Adjustmentd : $270 * Tow Hitch Package : $ 680 * TOTAL: 39,451 **Adjustments of Special Note** * An odometer adjustment of $0.1050 cents per mile/kilometer has been applied. This adjustment is based on the vehicle year, vehicle category and market area. Odometer adjustments are capped at 40% of the vehicle's starting value. * Typical miles for this 2024 Tesla Model Y in Virginia is 20,999. * No special adjustments were made for this vehicle. * All values are in U.S. dollars.

I'm on my mom's blue cross blue shield medicaid IL insurance and for some reason I was kicked off last month and now it says I'll be back on next month. My mom isn't sure why that happened. When I tried to make an appointment yesterday my bcbs insurance ID wasn't working when it always has. But I NEED to go to a hospital some time soon. Will my medicaid ID work or are they together? If it doesn't work does that mean I'll have to pay out of pocket if I go before next month.

Earlier this year, I was involved in an accident where I was side swiped by a gardener truck. I was on a residential street and slowed down to look for parking. The gardener truck was behind me but decided to pass me, and when I drove forward a little to park further up, the truck merged back into my lane and struck my car with the equipment hanging off its trunk. They sustained no damages while my drivers side window shattered, mirror broke off, and fender/door sustained damages. Around 2 months ago, we received a letter from their insurance saying they assessed 55% negligence on their insured driver and 45% on me. They were also willing to pay for 55% of my damages. My insurance decided to take them to arbitration. During this time I received 2 letters from my representative. The first said that while the other insurance company has accepted full responsibility for the accident, they have not been able to reach a settlement for damages paid. I then received a second letter a month later saying that the arbitrator has ruled in favor of the other party. This seemed like a complete 180. I was shocked to learn of their final decision and emailed my representative asking if any of my $1,000 deductible would be recovered. She said no and sent me a copy of the arbitration decision which stated the following duties breached on my end: vehicle failed to keep appropriate lookout and they failed to maintain safe parking maneuvering. Is there anything I can do at this point? I know the arbitration decision is binding and final but I am honestly just stunned, especially because it felt like the truck failed to safely pass my car. I spoke with my insurance and they said my premium will most likely double. Is this fair?

Location: New Mexico, USA Hello, I work at a bed n breakfast. I make $15/hr, work about 20-25 hours per week with some fluctuations, 3-4 days per week, and will not work for 2 months out of the year when it is closed. I live nearby in a camper off grid. No criminal history. My employer pays in cash and does not offer health insurance or any benefits. I am working to apply for medicaid since my application for insurance through the marketplace flagged as possibly eligible for medicaid. They said I need a letter verifying my hours and wage from my employer. When I asked my employer for this, she said she didn't want to because of not wanting to draw attention to the business. So now I'm stuck without health insurance and wondering what to do. I am thinking that she may not be running the business legally on her end after this since she said she didnt want to have anyone from the state asking about the business. I am wondering, if I contact medicaid and inform them of this, will the business be audited and ruined? She is very vindictive and I just want to be cautious about my next move. I want health insurance of course, but it is a very rural area and the only business for 35 miles in any direction, so a lot of people rely on it. Should I just quit? Should I just get coverage through the marketplace? I don't really have much money so I would like to try and limit my expenses. Thank you for any information or advice.

**Odie is taking my monthly money and not holding up their end of the bargain.** I was switched to Odie from ManyPets when ManyPets sold and want the world to know: ODIE IS A SCAM. GET OUT WHILE YOU CAN & DEF DON'T SIGN UP. Aside from the significant increase in monthly cost and 20k coverage limit on a previously unlimited plan, Odie is...nowhere to be found. My claims are not being processed, nobody answers the phone, the chatbot isn't responsive, and I literally cannot get any information. **I've filed a claim with the Better Business Bureau, providing screenshots of everything. Anyone else???**

I am a 37 year old female. I have one child age 10. I do not smoke or drink. I have applied for 2 life insurance policies. One thru all state 6 years ago. One thru state farm 30 days ago. I am a recovering addict and have been clean for 12 years . I have passed every drug screen since than. I keep getting denied because I'm in a matt program. I have taken this medicine for 12 years. I have been denied because on this medication. Any advice on where I can apply?

Are there any insurances that cover dental only? I’m currently with Healthy Paws, & while they are getting more expensive for now it works for us because of the unlimited payout if we need it. But last year he had a cleaning and extractions that ended up being over $2000 when all was said and done, and if he needs more this year I’m hoping to have some coverage. TIA!

Virginia Medicaid (cardinal care smiles) helped me see a dentist for the first time in a hot minute. Long story short, I just received correspondence that the crowns I need have been "partially denied." The exact denial was worded as, "We decided to partially deny the request.". They did not elaborate on why. What do I do from here? They stated "Your provider can ask to talk to our dentist that made thsi decision." So, do I have to reach out to the practice to REQUEST they advocate for me? Or were they also now notified? I was so excited to finally make headway with my dental health. I'm feeling like the grandma from that one scene in the incredibles right now haha. Thanks for any and all advice.

so I think the title explains it clear enough got a info in the mail me and my mom share a policy because i'm 19 and from my knowledge its pretty hard to get one note says "we are kicking you off on the 8th because you are doing deliveries" I am not doing deliveries I was in my previous car but I didn't even have that car insured with them and i literally told noone i was, along w the fact that the insurance company i used when I was doing deliveries has gone down under I had to switch and it was a totally separate thing and I haven't done any food deliveries since getting my new car since its a 350z lowered and its practically impossible to do them, so me and mom call agent and agent says "idk it just says you are there is nothing you can do your just going to get kicked off"? need advice in general, and just general questions, why can't I just send them proof that i haven't 2nd question where am I going to get insurance at 19 now

Me and my husband bought a house and got scammed into a home warranty with a company called home warranty services and Mepco in January of this year. Our bank flagged the first charge as fraud but we let it through and decided to go ahead and cancel I was reassured that it was done given a cancellation number and told that a cancellation letter would be on its way in the mail and through email (it never came)fast forward a month they didn't pull anything else from the account thankfully but I get bills and late payment calls saying my payment is late when I answered the calls I explained I canceled over a month ago was reassured by agents that it's over and just to ignore the calls because it's an AI... fast forward to now another month later I get another bill from Mepco and I sign into my account through them and it reads the policy is still active I've emailed home warranty services and plan on speaking to a manager tomorrow but I feel like an idiot for falling for this in the first place what are my next steps if they don't cancel it???