I’ve been paying 436 a month for a 22 Honda for the last few years, which I haven’t been able to afford, but always managed to pay on time with autopay. I’ve never had a missed bill. My last payment was on February 28th. It came out of my account, and put me deeply in the negative, and then got returned because I had insufficient funds, which has never happened before when bills put me in the negative. I switched over from Liberty Mutual to Geico after that and am only paying 159 a month now. Geico sent Liberty a letter declaring cancellation and demanding returned funds for the rest of my coverage this month that I’m not using- bill was on the 28th, canceled on the 6th of this month I believe. I called Liberty to double check, they claimed they never got the letter, refused to refund anything, set another date to pull that 436 from my account since it got returned previously, and charged me 90 something dollars on top of that, due the 22nd of this month, but didn’t tell me what that added fee was for. I went to my bank and told them to halt autopay for Liberty after that 436 bill, since I do technically owe that outside of any returned funds. They messed up and halted ALL autopay, so the 436 won’t come out, which I didn’t mean to do. The app now, since I’m no longer a customer, will not allow me to manually pay it. Is there any legal or credit ramification for unpaid bills post cancellation?

This is my first rodeo with homeowner’s insurance (Liberty Mutual) and it’s a nightmare. Looking for advice on how to proceed. The backstory is that a local company installed a new appliance in my home and bungled it. Their mistake caused some water damage to my kitchen and major damage in the finished room directly below. The appliance company gave information for their insurer, but when the initial water remediation was done and uncovered the extent of the damage, I filed a homeowner’s insurance claim instead and figured they would subrogate. I currently have a wall in my kitchen down to the studs with some cabinet boxes, trim, and the dishwasher removed and sitting in my sunroom. The counter is being held up by a piece of scrap wood. There are some minor signs of gapping in the hardwood floor that is usually hidden from view, so I’m hoping to let it ride. Meanwhile the room beneath the kitchen is uninhabitable. One wall is down to the studs with no insulation (exterior wall), LVP flooring removed, and holes in the ceiling from water remediation equipment. I received a repair estimate from a local contractor for $25k (HCOL area, home value approaching $1mil). This includes insulation, sheet rock, plaster, paint, baseboards and trim, ceiling repair, LVP flooring downstairs to replace what was there, reinstall of existing cabinet boxes, and plumbing. It does not include new cabinets or counters. My claim with Liberty has been in process for 8 weeks and a field adjuster came out 2 weeks ago with radio silence since then. The contractor has also been contacting Liberty for updates. Liberty called today and said the field adjuster calculated $700 to repair the kitchen and $2300 to repair downstairs for a total of $3k. I understand it’s an initial offer and figured I won’t come out of this without burning cash of my own, but it doesn’t cover the cost of materials let alone labor. And there’s not even a guarantee that my custom cabinets and counters will come out the other side looking the same. What do I do from here? Do I eat $20k up front and turn around and sue the appliance company to be made whole? I thought that was why I had homeowner’s insurance but this is a real nightmare. And to top it off I’ll be adding a newborn to the mix in less than 8 weeks with my house in shambles and no dishwasher (first world problems, I know).