Back in August 2024, I rear-ended a 2024 Nissan Rogue, which then bumped into a Toyota RAV4. The damage seemed pretty minor at the time—both cars were able to drive away from the scene without any issues. I had $20k in property damage liability. Today, I got a call from Geico saying that the initial repair estimate for the Rogue was $3k, and they already paid out $3k for the RAV4. But now, months later, they say a new assessment came in after further inspection and the Rogue’s repair cost estimate is actually $14k. They also mentioned they covered rental costs for the Rogue. It’s been 7 months, and I’m just confused—why the huge jump in the estimate and such a long delay? Is this normal? Feels a bit suspicious to me. Geico also havenot told how much i have to pay out of pocket. They said they called me just to let me know. I am stressed and worried. What should I do?

I was rear ended last week while driving my 16-day old 2025 Subaru Outback Premium. The other driver was in a Hertz rental vehicle and his car was 'insured' with his Chase Business Ink Preferred card but that does not include liability insurance, and he does not have personal car insurance otherwise, so he does not have any insurance to cover the damage to my vehicle. He apparently lives fulltime in Israel although I think he is also a New Jersey resident. It is not clear to me how he could legally be driving a rental vehicle without liability insurance or how Hertz rented him a car without it but that is more of a side note since regardless of the circumstances he does not have liability insurance. I spoke with my insurance company, Geico, and they are directing me to go get my car fixed, to pay the deductible, and that they will confirm he is not insured and then pursue him personally through collections if needed. I am still waiting for the Geico coverage team to reach out to me since they apparently want to confirm this isn't a fraudulent claim as the vehicle and insurance are brand new so I am waiting to get the car repaired in the meantime. I did visit the Subaru mechanic earlier in the week and they thought that in addition to replacing the back bumper there is likely damage to the frame based on a visual inspection. Of course, they won't know anything for sure until they open the car up and look. They recommended that I make a claim for Diminished Value since the car is certainly worth a lot less than it was a couple days prior- I haven't even made my first payment on the $35k loan. I asked Geico about a Diminished Value claim but they told me that the claim needs to be filed against the other driver's insurance and that basically it doesn't have anything to do with them. I do have $250k of Uninsured Motorist Bodily Injury/Supplementary Uninsured Motorist but apparently that doesn't do me any good (my car and insurance are New York). I have been in contact by text message with the other driver but I'm highly skeptical that he would pay me thousands of dollars out of pocket on top of the other liability that he has since his proposal to me was that I run this all through my insurance and he sends me $500 for the deductible "to make me whole". What are my options moving forward? Do I engage an assessor after the repairs are complete so that I have a record of the diminished value? Maybe it's better that I get a lawyer who has experience with this and can manage the court process for me since this will almost definitely go to small claims court?

I’ve been paying for this insurance for my daughter since November. She has simply healthcare under the Florida kid care plan, and I can not get the member ID or even log into the simply website. FLhealthykids has been 0 help, how do I obtain this information? It’s crazy to me that it’s this hard to get. We never received a welcome letter/packet or anything :(

Location: Wa State, USA Last month I went to the ER, while they there asked about billing insurance and I told them to use my state provided insurance which they had on file. Apparently they charged insurance from a provider from my old job which i haven’t worked at since December of last year. I never signed up for health insurance from my old employer. I did have dental through them at one point but that was it. Today i get a bill from United Healthcare that states i owe them $4300 from my hospital visit when I shouldn’t even have their insurance in the first place. I’m not sure where to start to get this resolved. My old employer? Hospital? Lawyer? I’m not even sure if this is the right sub for this but I’m just angry and confused so any help would be appreciated.

I have aetna cvs hmo. On the app it says I spent zero towards my out of pocket max which is not true since I went to an in network urgent care yesterday and spent $5 for my copay! Once the out of pocket max is met, then insurance covers all medical costs. Also when it says that my insurance will cover 100 percent for all medical services that are covered..when it says covered does that mean covered as in network providers?

Location: Michigan - Just wondering if this is an appropriate thing for small claims and wanted to hear some opinions as I've never sued anyone before or have been involved in small claims. I was in a car accident on March 11. I was not the driver at fault. The other driver involved in the accident was cited for failure to stop (she rear-ended me at a stop light), no driver's license, and for not wearing a seat belt. Her insurance was listed on the police crash report as LA Insurance. Come to find out, she did not have that car insured at the time of the accident. I called LA insurance, and several other companies under that franchise, and found her name and policy, but she had a different vehicle insured and not the one involved in the accident. My insurance company reached out to her, didn't receive a response, and ran the VIN on the vehicle she hit me with, verified that the car was in her name, but did not find an insurance policy attached to the vehicle. I told the police department this and they will be updating the police crash report. Subsequently, I can't file a claim with her insurance because she doesn't have any. I have been encouraged to sue her in small claims court. My car was basically totaled in that accident (it was also an older used vehicle with 197,000+ miles on it), so I leased a new vehicle. Can I ask to receive at least the down payment I put down on that new vehicle? I'm also going to ask for storage fees of having my car at a repair shop as well as the fees to file with small claims. I did have items stolen from my vehicle while it was at that repair shop, but I don't have a dollar amount for them so I don't think it would be appropriate to put those in the small claims case. But I'm really just wondering if asking for the amount I paid as a down payment on a new vehicle would be appropriate. Like I said, I have never done this before. Advice is greatly appreciated!

Location: Florida So I'm frustrated with Progressive because they identified a person who was staying in my home temporarily and added them to my policy. This person has never driving or touched either of the cars on my policy. They supposedly sent out a mail notice, which I could not find physically or even in my email, where I'm signed up for Informed Delivery and would be able to see any envelope that said it's from Progressive. I looked through my email to see the notices dated months ago stating the persons name and that if I do not contact Progresive by January 16 that they would add them to my policy. I looked though the details of my policy today and that's when I found that they are listed as a driver. So I've been paying for this person to be on my insurance for the past three months. I have to wait until Monday to speak with underwriting to figure out what happened and what to do. My question is whether this practice is even legal in the state of Florida. From what I've seen, a lack of response of a notice does not indicate consent. My explicit consent was not obtained to make changes to my policy. I have not even talked to or seen the person added for months before the changes were completed.

I have comprehensive and liability coverage for my Class C RV through Safeco.The coverage is for full-time RV living. We've had a couple things happen. First, we had a tire blow out. This caused damage to the door to the LP tank, the shelf that holds the LP tank, and it literally blew a hole into our RV. It didn't cause any frame damage and the hole is in a location that doesn't make it a safety risk (it's under some drawers). When this happened, I didn't even think about insurance and that would continue for a while (mea culpa, I was really sick at the time). Fast forward a month. We'd just gotten onto I-90 near Utica NY when the bolts for one of our tires sheared off. We had to get towed and the next day the tire itself was fixed. There was some minor structural damage to the RV (cracked mirror oddly enough, a couple of dings on the back end) but then also began having cascading electrical issues: I can't confirm at this time but I think one of the bolts damaged something, most likely the RV's inverter. So I submit the claim for the tow, the repair to the tire and electrical damage, plus the damage for the tire blowout. We spoke to the adjuster the same day and she told us we should take the RV in for an estimate. We did that and the person who did the estimate told us that the insurance company would try to low ball us. Which they did. The adjuster knew we were getting an estimate as she'd asked us to. Meanwhile, they had their own estimator come up with some figures based entirely on the pictures that I submitted. And yeah, lowball they were - $1700 for the blowout damage and about $3500 for the damage when the bolts sheared on the tire. Each amount was less my deductible. That was yesterday. I sent the adjuster a text and told her the figures were very low, the labor rate alone was half what it should be, and the estimates seem to have some issues from the tire blowout damage and from the bolt shearing mixed up, so one of the estimates has some of both. No response. I know the company we went to submitted their estimate yesterday. But today, Safeco paid out based on their estimate. And they sent the payment to a random address that has no connection to me. I did email the adjuster and told her this isn't acceptable, it's not even based on an estimate by someone who has *looked* at my RV, and you send it to some address I've never heard of. I don't expect a response to that, either. So beyond the address issue, what are my options here? My RV is barely driveable and I live in it. I'm positive that the amount of damage to it is more than it's worth (it's an older RV). I am really discouraged at this point.

Buddy of mine is really having issues with State Farm. After a long back and forth they came to a number of $25,750 minus the $500 deductible for a total of $25,250 for his truck. He was hit in mid February of this year. He finally received an email today saying he could accept the payout and the number was almost 10% less at $22,999.19. What in the world is going on here? What recourse does he have and has anybody experienced this? Thanks in advance

Cigna denied my claim for a “periodic oral evaluation-established patient”, but approved adult cleaning (two per calendar year). This was the second examination and cleaning I got in the year. Reason for denial is “N4 - This claim is denied due to lack of information. If you would like to have the claim reconsidered, please submit the information requested” I contacted Cigna customer service twice and both agents said they didn’t know what the information requested was and provided no course of action. Who can I reach out to to understand what additional information is requested since Cigna doesn’t know?