I'm thinking of changing my renter's insurance of 8 years Assurant (Actually did some research and did not hear good things about them) to bundle with USAA. My apartment company has an "insurance fee" as part of the lease which covers liability, so all I would need is coverage for property. Since liability is now part of the lease, I was thinking of dropping liability from renter's policy to save some money. Is there any reason why I should keep liability on my renter's policy that I can't think of?

Location: Tampa, FL Hi everyone, I just want to know if you were me would you fight this with a lawyer? I was in a car accident in Florida in December 2024 while uninsured. A collection agency (on behalf of the original auto Insurance) is now coming after me for over $12,000. They didn’t notify me properly—I only found out after the DMV suspended my license and said I owe $15k. They’ve only sent a vague letter and a redacted repair estimate, but no real proof of liability, payment, or how they came up with that amount. The original insurance company of other driver -Auto-Owners never contacted me at all. I genuinely had no idea they submitted the claim. So all of this is so confusing. Does this seem normal? It seems both companies aren’t giving me the info I need at all but want me to just cough up $12 or 15k Thanks in advance!

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?

Our cat Miles was experiencing bleeding gums, bad breath and difficulty eating. We brought him to the vet and they thought he might have tooth reabsorption. They gave us an estimate for a dental and we submitted it to ASPCA. ASPCA approved it and we went ahead with the dental a week later. Dental was complete and ended up not being as bad at the vet thought and he ended up with a cleaning and no extractions. We submitted to ASPCA and the claim was denied. They are saying that it's a pre-existing condition because Miles went to the vet last June after getting into a house plant and the vet noticed gum inflammation from it. The vet gave him an anti inflammatory and notated in his October check up that his gums and teeth were in good condition-- in our minds, the inflammation from eating the plant was "cured." ASPCA will cover pre-existing conditions that have been cured for 180 days. The vet used the word "stomatitis" in the records during the June visit and that's why ASPCA is denying us. Because stomatitis isn't considered a curable condition. Our vet tried to reason with them but they won't budge. Our biggest disappointment is with the bait and switch-- when I called to ask why the estimate was approved and the claim was denied, despite them having his full medical records both times, they said they got "new information" in that week between the estimate and the procedure. Not sure how that could be because they had everything about him from vet for the estimate. Not a great start to our relationship with ASPCA.

I was rear ended last week. The dude gave me his info, and we both talked with my insurance company and decided to file a claim through his insurance (State Farm). During the phone call he talked about damages to our vehicles. Earlier this week, state farm called and said he denied his car making contact with my car, and they are investigating this. I have some pics of my cars damage, some pics of his insurance info and his id taken at the scene. What’s my best move here? It just seems kinda absurd because why would he give me his insurance info and let me take a picture of his id if there was no contact? Also, his car has no damage because he has a metal front bumper. My cars rear bumper cracked.

Hey so I buy my own medical, dental, and vision insurance from Anthem rather than going through my employer. For the 2nd time, Anthem has decided to drop my medical coverage without telling me. The last time this happened, I had to get on the phone for 1 1/2 hours with them and they still couldn't identify why they dropped it. Instead they gave me some bullshit reason - "our records say you already had an active plan so we dropped this one". I don't have any other active plans. I'm 100% sure of this. I had to go through the re-application process again in December and purchase new medical coverage. Fortunately, I'm young and healthy so this isn't hard to do but it's deeply frustrating and I had to push my yearly physical forward because of it. Fast forward to now (April), I log into the Anthem portal and I see medical coverage is dropped again as of March 1st. Vision and Dental are still active but Medical is inactive. I tried calling them today (Sunday) but of course they only work M-F 8am - 5pm. The frontline phone operators are useless. ChatGPT does a better job than them. Has anyone else had this experience? What was the resolution? What can I do to prevent this moving forward?

I was in a car accident a couple weeks ago and didn’t suffer any major injuries besides a bumping my head and some headaches which have subsided. I didn’t go to the hospital or anything and was called today by progressive and was told they typically don’t give payouts if you don’t go to the doctors but because of the headaches I was having offered me $500 and I accepted it over the phone. I was sent a release email for my signature but haven’t signed yet. I know nothing about how this stuff works, should I just take the money? Could I have gotten more if I would’ve said “idk” over the phone? One friend said they could get me a lawyer pro bono but idk if that would be worth it.

About 3 months ago, I got in a car crash where the car got fairly significant damage (I oversteered into a tree). I notified both the local police department and Hertz about the crash, got incident reports from both, and moved on with my merry life (after getting a replacement vehicle from Hertz). I got emailed a request to fill in a vehicle incident report from Hertz, which I submitted the day of receipt. Now here’s the thing: I didn’t have any insurance from Hertz, relying on secondary insurance from my credit card. I don’t own a car, so there’s no primary auto insurance to speak of. My credit card insurance provider requires claims to be submitted within 100 days of incident for them to consider them, and they require a statement of claim from the rental agency in order to submit claims. I’ve gotten crickets from Hertz in this respect the past two months…and I’m concerned that they won’t provide me with paperwork in time for me to appropriately file the claim. I was *considering* sending Hertz a polite but firm letter using certified mail asking them to provide me with a statement of claim in a timely manner in order for me to proceed with this claim given that I don’t want to wake up to a $20,000 bill from Hertz in half a year or something that my credit card insurance policy won’t cover. Is this a good idea? If not, anything else I should consider? I’d appreciate any advice! Jurisdiction: the car was rented in Virginia with a New York drop-off. The crash occurred in Virginia, and I’m a New York resident.

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

Location: Indiana I recently booked an Airbnb for a month. The day I was set to check in to the room I was staying in the host, who is live overseas in the EU, called me and goes into a story about how he is in a conflict with AirBnB and that due to this conflict AirBnB won’t give him any of the money that people pay to stay at his rental, he doesn’t really go into any real specific details other than that. I was desperate for a place to stay so I don’t really ask a lot of questions in that moment. He says that he will call AirBnB customer service to get a refund and then I can pay him the same amount I payed on AirBnB to his PayPal account after I’ve received the refund. I agree and I await my refund from AirBnB. I receive it and I payed him through PayPal as discussed. Around 3 weeks I start having various issues with the host, he’s calling me, stars saying I’ve got to do this and that, nothing illegal just various things like take pictures of the place to ensure his agent is keeping the place clean and making the repairs he is supposed too. I refused but I thought this was odd so I did a court records search on him and that’s when I uncovered that he was lying about the extent of the conflict with Airbnb. In fact he doesn’t have a conflict with AirBnB at all, he has a judgement against him and an order was issued to AirBnB to withhold all of the money from the hosts rental to and instead give that money to whom the money on the judgement is owed. I’m floored by this because I never would have agreed in the payment arrangement had I known the truth. I think what the host is doing is wrong and I’d like to go to the local attorney of those who have been awarded the judgement and/or AirBnB’s legal team to fill them in on the situation. My only concern is that I’ve somehow become complicit in this guys scheme through the payment arrangement and I could be putting myself in legal trouble as well. I want to do the right thing but I also don’t want to screw myself over in the process. Are my concerns valid? If so could I possibly work out a deal with the local attorney and/or AirBnBs legal team to be immune from any recourse for my cooperation in presenting evidence in this guys scheme to get around the order put in place to pay the judgement? I appreciate any input on this situation I’ve found myself in.