(TL;DR at the bottom) In mid-December 2024, my parked car was involved in a hit-and-run while I was at home. Surveillance footage revealed a white Mercedes struck my vehicle and fled. Unable to identify the driver immediately, I reported the incident to the police and my insurance company. By early January, my car was declared totaled. As a tobacco inspector, my job required a personal vehicle for site visits. Without transportation, I was removed from the schedule and subsequently terminated. Despite actively seeking employment since January, I’ve been unable to secure a new position.  In March, I noticed the same white Mercedes parked nearby. After running the VIN, my insurance confirmed it belonged to a neighbor. She had concealed her vehicle for over two months following the incident. Upon presenting this evidence, her insurance company accepted liability, acknowledging her prior claim in December for hitting a parked car. However, her policy only covers the Pennsylvania state minimum of $5,000 for property damage, which was paid to my insurer. After settling my car loan, I received $3,000 from my insurance, insufficient to replace the vehicle. Without steady income, securing auto financing has been challenging. I purchased my 2018 Mazda6 Grand Touring Reserve in April 2023. The total finance amount was $21,116 , I put down $4,500 and made regular monthly payments until the car was totaled in December 2024. At the time of the accident, it was valued at $16,500. After the remaining loan balance and deductible were paid, I received only about $3,300 ,far below what I had put into the car and not enough to replace it To date, my neighbor has not acknowledged the incident or attempted to discuss it with me. Without a vehicle, my ability to work has been severely impacted, and relying on public transportation and rideshares has become financially burdensome during unemployment. I’ve now missed approximately 12 weeks of full-time wages as a direct result. I reside in Philadelphia, PA. ___________ My questions: • Given the circumstances, what additional insurance coverages could have better protected me in this situation? • Are there specific endorsements or policy options that can safeguard against underinsured drivers causing significant losses? • What steps should I take when the at-fault party’s insurance coverage is insufficient to cover damages? Any guidance or insights from those familiar with insurance claims and coverage options would be greatly appreciated. __________ TL;DR: Neighbor’s hit-and-run totaled my car, leading to job loss. Her insurance covered only $5,000, leaving me unable to replace the vehicle or secure new employment. Seeking advice on insurance coverages that could have mitigated this loss and steps to take when the at-fault party’s coverage is inadequate.

Alright here we go. So July forth I was going down a back road (rainy) as I cut the corner I see this Tahoe coming at me at a 90 degree angle (she lost control) and just smashes into me. I didn’t have insurance on this car I had it’s one of my cars I don’t drive often, but with all the pictures and you can clearly see it’s her fault farmers insurance is still denying that’s it her fault I’m at total loss of words (no dash cam) I’m not going down without a fight or a payout so I’m consulting a injury lawyer but is this how it really goes? The pictures her car is just layed smashed into my car and they say it wasent her fault?

Hello, Can someone with experience using Trupanion confirm how their reimbursement actually works? Here’s the situation: Let’s say my total invoice is $1,200 (excluding tax and for a single condition). My deductible is $1,000, which has already been met. That leaves $200 of eligible costs. Based on my understanding, I would then pay 10% of the remaining $200 ($20), and Trupanion would cover the other 90% ($180). However, when I submitted a recent claim, Trupanion told me that the 10% co-pay is calculated based on the total invoice **before** the deductible is applied. So according to them, I’m responsible for 10% of $1,200 ($120), **plus** the $1,000 deductible, and they only covered $80. But their own website says this: "Co-payments, also known as coinsurance, represent the proportion of eligible veterinary expenses that the pet parent is responsible for after the deductible has been met. For example, if a pet insurance plan offers a 90% reimbursement rate, **the policyholder would be responsible for paying the remaining 10% of the eligible expenses after the deductible has been satisfied**." This seems contradictory. Has anyone else experienced this? Am I misunderstanding something?

I believe that a Psychiatry doctor within my Aetna Network is no longer licensed or have an active license in Texas. He has a NPI and Medicare number and part of multiple insurance networks. But, I cannot find an active license for Texas and Aetna actually says that they do not verify if a doctor is still licensed?? This is not good! Would you assume that a doctor is active if he's a part of a network?

I hope I'm in the right sub for this but I'm not sure, if there is a better place for this post please let me know. So I got into an accident that I was at fault, I do not have collision coverage, and I still owe about $19,000 on the vehicle. I asked my insurance and without coverage there is nothing they can do. It is not drivable and the air bags deployed. There is heavy front end damage but the rest of the vehicle is fine. I've only taken it to one shop for an estimate because I don't want to keep paying for a tow to get different quotes and they all end up being close to the same amount anyway. The estimate I got was $20,000 to fix it, so I'm not going to be able to afford that, and even if I could I don't see how that would be worth it. The car before the accident was probably worth $20,000 - $25,000 at most. (2022 KIA K5 GT LINE). I have pictures of the vehicle as well but wasn't sure if I was allowed to include those in the post. So as far as I see it, it's going to just sit somewhere until I pay off what I owe. So instead of paying a storage fee to keep it somewhere (my apartment doesn't allow vehicles that aren't drivable to stay in the parking lot), I want to either sell it or scrap it. Whatever I decide to do with it, I want the next tow to be the last. If I can make a little bit of money on it, great, if not then like I said if I can at least avoid a storage fee or paying to tow it several times that's a win for me. Anything I do make would go straight towards paying it off anyway. I'm already pretty screwed, paying on a car that I can't drive so I'm trying to see my options and cut my losses. I've gotten suggestions to declare bankruptcy, sell it, scrap it, keep it, sell all the parts individually, sell it as a whole for parts. A lot of the issue is, I don't think I can sell it, even to a salvage yard, without paying it off first, so what do I do with it until then? That's going to take a long time for me. I can't afford to fix it, can't sell it, scrap it etc. What do I do? And I understand I'm not going to make money on this, I understand I'm screwed either way, I understand that I will not financially recover from this for quite some time. So I'm just asking what is my best course of action to cut my losses as much as possible? Is there a way to sell it before paying it off? Do I need to let the lender know about the accident? Is there a different way insurance can help even though they said they can't? Is there a service or organization that helps with this sort of thing? Should I declare bankruptcy?

So I reside in Minnesota, our loan company is Mr. Cooper. We are behind a little bit February and March, but will come through before the end of the month to fully catch ourselves up again. They sent me an email stating our loan is in default? How is that possible when it states we are barely in their words 39 days late on the payment? Can they default our loan just for that? I’m going to be calling tomorrow to ask since we’re paying the full amount before the end of the month if it’s okay. But I really can’t wrap my head around the fact they defaulted so quickly. Has anyone else dealt with something like this? Or specifically this company? Much appreciated for answers!

Context: Hail Storm on May 3 2024 and it damaged my roof, siding, and gutters. Filed claim with my insurance company Progressive. Progressive approved full roof repair, replacement of gutters, but only approved replacement of siding on 1 side of my house. On the siding my home policy didn’t offer matching so Progressive is only paying to replace 1 side and says to patch damage siding on other sides of my house with siding that will be taken down. Signed contract with roofing company on June 7 2024 for them to do all the approved work. July 2024 the roofing company replaced my roof. Since then, they have not returned to place my gutters and do the siding. I’ve called the roofing company at least once per month to follow up and they say I’m in their Que and they’ll get to it when they get to it. Roofing contractor says insurance companies give 2 years after claims are filed to complete work. Can someone confirm if this true/accurate? What other options do I have? Can/Should I file a complaint with BBB?

Long story short, we have never had issues with people buying and selling in our 6 unit condo building in Chicago until today. We accepted an offer and the lender reached out stating we needed **replacement cost coverage** in order to move forward, this is due to Fannie and Freddie guidelines as of June 2024. We have never changed our master policy provider and our bylaws specifically state that we must have **replacement cost coverage.** I have looked over our policy and it does not state either Cash value or replacement, just the limit on coverage with a \*attached for the inflation rider. Agent we reached out to has been non-responsive. Anyone else run into this?

I posted here a couple days ago about a stolen motorcycle (thank you all for reminding me not to commit fraud) and I called Geico about some questions I had. The told me I could get the collision and comprehensive policy right now, after the theft, and if the person who stole my motorcycle gets into a crash with a stationary object or another car and the motorcyclist is at fault I could be compensated. I got qouted for the coverage and it's $4,717.62! I paid $791.07 originally and the new total will be $5,508.69. I'm assuming since this policy covers the vehicle its more but $4,717.62 is absolutely crazy. I don't think I will be getting the policy at this point because of the depreciation on the bike makes it worth around $8,000 and the insurance would be almost half what the bike is worth. Even at rates of a new rider that seems fairly high. I apologize for the rant, QUESTION: Is this a normal quote for the policy on a motorcycle or is that something because I am a new rider?

I've had pet insurance with Lemonade going on five years for my cat. I just had to submit a claim for her, but I'm super worried I'm going to get a rejection because the nurse took inaccurate notes. When we were discussing my cat's history, I said that her chronic gastrointestinal issues started after her first attack of pancreatitis 'shortly after she was adopted.' The nurse instead noted that her chronic gastrointestinal issues started 'right after adoption.' I'm super worried that this will lead to my claim being rejected and my former claims being marked as fraud. Her issues didn't start until about 3-4 months after I got her vet insurance, and that was after the illness waiting period had passed. They covered her pancreatitis when it occurred in March 2021, and I adopted her in November 2020. Does anyone have any advice on how to prepare for the rejection which I assume is coming? Is the only thing I can do is ask the company to review her old vet records and see how they don't line up with what the nurse typed before that moment? Any advice is welcome!