I have TD auto insurance. January, I got into a ditch and called towing service. However, at that time, I had no idea that I could simply submit a towing reimbursement. So I called and opened a claim. Adjuster provided me an email address for towing reimbursement. No car fix was required. Now upon renewal, TD claims that getting into the ditch is an accident claim on file even though they paid 0 dollars on it. I called multiple times and they got me to the underwriting department for a final review. How would this go? Anyone has similar experience? What can I do if they still refuse to see me as accident free?

My wife was in a single vehicle collision. Broke her ankle and cannot walk. I am looking into renting her a wheelchair but the TD insurance adjuster is being evasive. Before I go all in on this, I am looking for the opinions of people here. Would her wheelchair be covered by TD insurance?

[Ontario, Canada] Might not be the best place to ask this, but I was unable to find anywhere else. Following a car accident that was not my fault, my vehicle was totaled. My insurance provider, TD Insurance, paid off the car loan, and during the process, the agent proposed deducting my deductible from their payment to the finance company, with the understanding that they would later recover this amount from the other party's insurance. However, almost six months have passed, and I have yet to receive the deductible reimbursement. When I inquired, the TD agent explained that they have had difficulty contacting the other insurance company, citing a recent instance where they were on hold for over an hour without success. As this is my first experience with such a situation, I would appreciate guidance on how to proceed.

Located in Oregon, USA Short Term Disability insurance related to parental leave I took parental leave from work in 2024. My job/company is entirely remote, so my employer uses a benefits manager, JW, for payroll and insurance, and a third party administrator, Sparrow, specifically to manage short- or long-term leave, kind of like a concierge service for employees (because rules vary significantly from state to state). I signed the things that Sparrow told me to sign. I was supposed to be paid from the state, from private STD, and topped up by my employer. I didn’t have a STD policy of my own; I was told that my employer took out a STD policy on its employees. Payments were confusing, delayed, and as a new parent I was not paying attention. I didn’t tally things up until recently to do my taxes. I’m missing a 1099 from STD so I called Sparrow, who said go to STD, who said go to JW, who said there was no STD policy for me… but if there was it should be in my W2. Taxes were withheld from STD so I said regardless of how we got here, I need an accurate W2, which is in the works. And it looks like I was overpaid by the STD amount. Lo and behold, today I got a call from the STD company saying my STD claim was denied and submitted for overpayment. I kinda laughed… I’d just been signing paperwork and living my life. How the heck did they approve and pay a claim on a policy that does’t exist? And why did Sparrow/JW request that money? And why was I told it was my company’s policy? So I told the STD company that they can recoup the money from one of the benefits managers. This strikes me as an unenforceable request for repayment from me, but I don’t know what I don’t know and would appreciate any insight about how to navigate this. Thanks in advance.