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?

A couple months ago I rear ended someone. They were waiting to turn right and I was behind them doing the same. They looked like they started turning, so I pulled up to the crosswalk and looked left to check for traffic, then started my own turn when the coast was clear - only to bump into their rear corner and realize they hadn't actually turned when I thought they did; they were still just waiting there in front of the crosswalk. I was at fault for beginning my turn without looking and rear ending them (I know you're advised to not accept fault at the scene of an accident but I'd never been in an accident before and I was pretty flustered). I apologized to the other party and we exchanged insurance and contact information. Neither of us wanted to call the police and they assured me they weren't hurt. The other driver asked me to call them in about an hour after they got home, but insisted I don't leave a voicemail if they don't pick up. I agreed but the more I thought about it the less sense it made to me if we were just going to go through insurance anyway, but I called regardless and sure enough they didn't pick up. They filed a claim later that day, I was found 100% at fault, and I thought that was it. Earlier today, however, I received a voicemail from that other driver asking me to call them when I could. I didn't see a reason to if our insurance settled it, but against my better judgment I went ahead and called them back. They told me that my insurance had refused to pay for their rental car, and wouldn't give them a "satisfactory reason" for the denial. They asked me if I could get in touch with my insurance company about it, and while I wasn't really sure what I can do about that, I told them I'd try. They did \*not\* ask me if I would be willing to pay for it myself, and I did not offer to do so, but I kind of got the vibe that they might have wanted me to if my insurance doesn't cover it. They also gave a specific number for the amount of the rental, leading me to believe they'd already rented it and were seeking reimbursement. So my question is, do I actually bother contacting my insurance company about this? I assume that they had a reason to refuse to cover it; the amount the other driver paid sounded like too much to me, but this is just my speculation. Even if it's just my insurance being stingy, this seems like an issue that the other driver should be settling with them or going through their own insurance for, rather than something they should be contacting me about personally. What could I even do? Calling my insurance company and asking them "hey uhh could you cover the rental for that person I rear ended a couple months ago, they said you won't for some reason" doesn't strike me as a good idea. My gut instinct is that the other driver is shit out of luck for getting an expensive rental before confirming that it would be covered, and I should refuse further contact, block their number, and let them deal with in

Hi All, I’m here to both give a review and also ask a question. I’ve had lemonade insurance (wellness + accidental coverage) for about a year & 5 months now. At first, I really enjoyed it and didn’t have any issues with them, now I wouldn’t recommend if you have a pet that is known to get into incidents. I adopted my dog from a previous family who conveniently excluded his PICA issue. He is a 3 year old cavapoo who is notorious for taking anything he can get his hands on (socks, underwear, hygienic products, etc) and swallowing it. He’s had 2 surgeries (1 in March of 2024, and another in June of 2024). His first surgery was pre-policy and he was not insured with Lemonade. His second one I did receive reimbursement. We recently just went through another scare now in July 2025 (we have a behavior consult soon and take serious precautions, he is just VERY VERY sneaky) but thankfully, he was only hospitalized with fluids and passed the clothing in his stool, NO surgery was performed. Now, Lemonade is denying my claim to cover the costs of hospitalization due to “Foreign material ingestion being determined to be a Recurring Condition, which is not covered under this policy.” I reread my policy, and this is the exact language on it: “Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date.” I’d like to add the claims specialist also got his medical records incorrect in her summary and argued that the decision was also based on the surgery that happened in March BEFORE my coverage took place. I got her on the phone and corrected her inaccuracies, but she is saying based on the recurrent conditions definition, those 2 incidents (March 2024 and June 2024) fall under the “18 months prior to treatment date.” From my understanding and the actual explicit language of the policy, how can the March 2024 surgery be considered if it predates coverage and there’s no legal language stating that pre-policy incidents are included?? Am I crazy or should I escalate this with DFS??, I am in NYC. Any lawyers’ thoughts welcomed!!

A few weeks ago I was rear ended at a complete stop. Had dashcam footage, etc. so all set there. I subrogated through my insurance and got my car fixed, etc. That is done. My adjuster said a diminished value claim would have to be made directly with the other party's insurance, Tesla Insurance in this case, however. I got the information of the Tesla adjuster - just a name and phone number. He doesn't answer calls and his voicemail is full. He also does not answer texts. I am wondering what next steps could be - I suppose I could file a small claims case for the diminished value to get things moving. It has been a while. I was hit in a brand new, high value sports car with a few hundred miles so I am *very* keen on pursuing diminished value.

After 3 phone ,RESENDING MY CLAIM TWICE AND APPX TWO MONTH LATER THEY HAVE NOT PAID OUT MY CLAIM'. After less then enrolling a year since enrolling my 2 year old dog they raised my rate. when she turned 3, I never had so much issues when dealing with another company.

I’d like to know what insurance claims have been requested on a home I’m closing on. It just seems smart to understand what has occurred with this very large purchase I’m making. I asked my insurance company for this and they said they aren’t able to see that, which I know has to be a lie? Isn’t that the primary thing they look at when underwriting? Is there any way I can get this information?

My roof is 13 years old (original to the house), and recently had some wind damage after a storm. I started a claim in 2019 with my previous insurance company (after a hail storm) and was denied a replacement because apparently someone has been on the roof with a hammer or something attempting to mimic hail damage, so it was determined to be vandalism. The new damage is due to wind, but the vandalism is still present. I’m told that at least the back slope (if not the whole thing) needs replaced. Should I file a claim or just pay for the replacement out of pocket?

Sorry in advance. My minds a mess and I feel like venting to reddit might give me some insights and make me feel slightly better. I was in an accident recently with two cars. I was stopped at a stop sign and one car made a left turn in front of a car going like 90 mph straight. The straight lane car hit the turning car and bounced off it right into my driver side door. He smashed my car hard enough to push me several feet over a curb and through a chain link fence (maybe 15 feet?). I crawled out of my passenger side door as fast as I could because the car that hit me caught on fire quickly. His car was maybe 5 feet away from my door after the impact. The left turning car and straight car both went to the hospital by ambulance. I got picked up by my fiance and went right after. I've been talking with the at fault party insurance company and it's abundantly clear to both parties I was zero fault. They came to an agreement of 65(turning car) - 35 (straight car) for fault. My life is

Hi all. I'm confused and a little suspicious. Long story short, had a tree fall and cause damage last year. Work is done, and the invoice came to roughly $65k (Siding + roof for garage and house). Insurance gave me roughly $62k, however I opted for a higher quality siding than the basic, so $3k was coming out of my pocket. That invoice is paid in full. For the main structure (house): RCV is 49k ACV is 42k So there's about 7k Dwelling Recoverable Depreciation that is available. However, my insurance rep is making that 7k as a payment to a sub-contractor that I've never heard of and in the email stated that the 7k is going to my contractor. Why are they getting 7k more when I've already paid the invoice? I'll push back on the payment but I want to go in with facts but I can't seem to wrap my head around it. I've asked the question to my insurance rep 4 days ago but she hasn't responded. Can anyone ELI5 what exactly is going on or am I getting bamboozled? Thanks!