About an year ago, I was rear ended at a stop sign by a Truck. I did not call the police as I was in a shock and didn't think through it. However, the person agreed it's his fault and shared with me his insurance details and I too the photos. The next day when the rental company looked at the damages they asked for the insurance details and only then I realised the other party's insurance was expired. The rental company used my insurance for the claims. When I called the party that hit me he said he would pay out of his pocket for the expenses but ghosted me since then. I was very new to the US then and hence did not know the legal options I had. I just saw a post today that someone got sued after an year. Can I still sue them after one year with only images of the incident and the person's expired insurance? Location: Miami, Florida My Insurance: State Farm (in Atlanta)

I reached out to my State Farm rep about why my homeowners insurance went up 30% this year and he said “that’s just what they’ve been seeing lately” and offered to decrease my Coverage A and Increase my Dwelling coverage to bring down the premium. The total replacement cost covered would remain the same. He was selling this as effectively being identical if we would be rebuilding in case of a disaster, but something doesn’t pass the smell test. Has anyone else opted to do something similar? He was unable to articulate why State Farm would do this if the coverage was the same. He only Personal coverage would decline as a percentage of coverage A. Is there anything else I’m missing or anything else I should ask?

I totaled my car and I was on fault even tho the other driver actually was also speeding, but after that Progressive told me they are only covering liability and not giving any money for my car since I was driving for work purposes, (I do patients visits, which for still counts as a commute). They argue that I did not specify that I used my car for "work" which in their policy options that options doesn't exist, and this is not tagged as for business purposes. I want to know if is there legal advisor or way to fight against it in Ohio EDIT EXTRA My policy only asks what the primary use of my car and it only gives to pick up one option. Doing visits is not even the 30% use of my car The primary use of my car is actually personal use and commute to my office, I only do in person visits usually 2 a day, but not every days of the week as I do also online visits.

Bear with me as I’m a bit new to car insurance renewals, (this is my first car)! 😭 I have Geico So my renewal date is this month and it’s stated in email that the amount due is $353… my regularly scheduled amount paid a month is $240. I wasn’t sure if the $353 was just a renewal fee for now and after paying I would go back to paying $240 OR if the $353 was my new monthly payment. I didn’t want to wait and find out so I went to my Geico app and had a chat with a representative. I asked and was told: “I really appreciate your patience here! Okay, so the reason for the double payment you are seeing is because, although this plan does not require autopay, it does require you to be paid ahead. Since you were no longer enrolled into autopay your payment planned switch over to this plan at your renewal. If you were to decide to reenroll; your payments would all, be $237.28 monthly. But you'd need to make the payment of $237.28 on or before August 19th to be eligible. Once you do, you'll have the option to enroll and switch back over to the regular monthly plan.” This confused me because in email it says I owe $353 so I feel obligated to pay that and not ignore it. To confirm I asked them to clarify and was told to do exactly that. Ignore it and it will adjust. I responded: No problem. So sorry but l'm a bit confused because it says I owe $353 by the 19th... so do you mean I pay that and it goes down to $237? Or just ignore that and pay $237 on or before the 19th? they responded: “Correct, that is going to show this way since you're on the payment plan that requires you to be billed ahead. You pay the $237 and once you do, the billing will adjust when you enroll back into autopay and switch over to the regular monthly plan. Yep, you got it! Ignore that and it will adjust automatically once you enroll again.” I went ahead and enrolled in auto pay and it adjusted my payments to $260 after paying the $353…I’m guessing it’s because I have to pay the $237 first and then enroll in autopay? I don’t know, I’m so confused… I’m thinking of calling instead of doing an online chat just to protect myself from the madness. It doesn’t feel right because it feels like I’m ignoring my bill especially since I didn’t even know I’d be paying a little less than my usual unless I spoke to a representative. Feels like a cheat code in a sense lol… Lastly, I JUST realized that it was showing me the $260 as an updated payment (after the $353) the entire time on the email. I was just so in a rush. I’m all over the place, sorry lol… but that doesn’t change what the representative said so I’m still stumped.

I’m so frustrated, I have a shih tzu 13 years old who doesn’t have any major problems, other than a collapse trachea and anxiety. But nationwide made my payment $300/month. How am I going to afford this?!

I recently almost got into an accident where the person in front of me stopped in an active lane of traffic and I had to hard brake. I stopped short of hitting the guy's bumper and we both pulled over to check if there's any damage. Confirmed no damage but he made me exchange phone numbers and driver's license info with him and we took pictures of the cars before going our separate ways. I didn't file a claim nor let my insurance know since there was no collision to begin with. A couple of days later I got a voicemail from his insurance's claims adjuster saying that a claim was made against me for a rear-end collision. Since it was after-hours I called the general support line for his insurance and got a hold of a live agent who was able to give me more information and what to do to dispute the claim. I've provided the pictures and dashcam footage leading up to the encounter to the claims adjuster and also filed a claim with my insurance because there's no other way of getting a hold of someone in my insurance until the weekday (I blame Tesla Insurance for shotty staffing). I wanted to ask the community if there's anything else I should do or be aware of in this process. I think the guy is trying to make a claim that I damaged his bumper as he had existing damage there (I confirmed in the pictures and the dashcam footage). EDIT: Forgot to mention that I plan on calling the other guy's claims adjuster as well as the one assigned to my claim to confirm receipt of information and if I need to provide anything else. I sent the pictures and dashcam footage to my claims adjuster as well.

I had horrible customer service experiences with United Healthcare this past week. Horrible enough that I want to send a complaint to the appropriate people. I have unsuccessfully searched all over for an email address - I can't stand the thought of another phone call with them. Does anyone know the email address?

I feel like the obvious is “absolutely have one.” But friends and family make it feel like a total scam because they’ve had such negative experiences with every alarm company. What are your experiences with home security companies and do you feel like you got what you paid for in regards to home security? (For reference, growing up my parents always had ADT and had such a terrible experience that my dad ripped the monitor out of the wall and told the customer service rep some vulgar things about what he’d rather experience than do business with ADT again). For home security of course I’ll pay the extra price, just want to make sure it’s actually worth it and that they come through for you in the event of emergency.

Hi Last month I bought an older truck after having it 2 days it stolen from in front of my apartment in SE Portland OR. I filed a cliem, the car was recovered, YAY! Not so fast. The adjustor decided the car was not worth repair. Progressive called the leinholder and they decided to total the car. As a person that used to be a mechanic I wanted the car because I could fix it for less than 1500. When I called the lender I was told, "it is better for me and better for you". The lender is wanting me to pay the difference between the orig loan amount and what insurance pays. My position is, the lender take what is offered, apply it to the balance and I continue to make the payments. He will get his money, I'll get the car and we are both happy. The issue is, I didnt have the chance to explain that to the lender (buy here pay here lot) the decision to total the car was made without speaking to me about it. What are my rights?

Help me understand this one. My wife was injured by my neighbor's dog, knocking her down and tearing her ACL (it wasn't aggressive, just large and friendly, freak accident.) Surgery was very expensive, went through my employer based insurance, no big deal. We start getting letters from Conduent, asking if someone else was responsible. Yes, neighbors dog and property. Gave them the insurance info, we all expected some subrogation of claim and I'd prepped my neighbors for that. Then I get another letter asking about what legal representation we retained in a suit against them. I called them and told them we haven't sued them. That we have a good relationship either our neighbors, it was a freak accident, and we aren't litigious. The woman sounded extremely skeptical and said something to the effect of "let's see how you feel about your neighbors in a few months. I'll check back in 6 months." It was the tone that really bothered me, sort of like "oh you just wait and see, you will!" Like something is coming down the pike that's really going to ruin my day and make me want to sue my neighbors. Can someone walk me through this one? Insurers work together in auto accidents without requiring litigation, I figured it would be the same thing here.