I had to file a claim with my automobile insurance company due to 4k worth of damage to my vehicle when I hit a MASSIVE pothole. The pothole looked more like a huge chunk of cement that got wedged out of the lane, possibly by a snowplow. It was the tail end of a decent snowstorm and this hole was unavoidable. Why? I was surrounded by vehicles and to swerve either way or stop short would have resulted in something far worse. I attempted to straddle the hole but it was too wide. After having my interview with my claims examiner she told me she felt strongly that she could get her boss to sign off on my claim as a no fault. she called bck and told me it wa an at fault and wouldn't budge. She read me the typical language that I should be aware of my surroundings and more cognizant as to the road conditions before me. The conversation went nowhere. They paid the claim at least. My question: how could they call it at fault given the circumstances? They made this decision without ever even seeing a picture of the pothole, which proves its width? I am now trying to get the item removed via lexis/nexis. How much might this save me if it were remove?

Location: South Texas Hello! I recently purchased my first home here in a coastal city in the state of Texas. As all of us on the gulf coast know, I am required by my mortgage lender to carry a windstorm policy for protection during hurricane season. This policy was set up by my home insurance company, and therein lies my issue. The home insurance company filed incorrect paperwork which inaccurately qualified my home for windstorm coverage and additionally inaccurately qualified my home for the mortgage company to lend to me. Can I (or the mortgage lender) file suit against the insurance company for this error? Edit: apologies for leaving out important context. The Texas windstorm agency has informed me that my policy will be discontinued in April if I do not provide the original paperwork for the property from 1988. (The paperwork was not completed in 88 despite insurance claiming it was) And if I cannot provide the paperwork I will be charged a 15% addendum to the premium in order to maintain my coverage.

Windshield had some severed cracks that started to spider out and had to be fully replaced/recalibrated. Before having it fixed, I filed a claim with my insurance company (progressive). My claim was denied as I hadn’t yet met my comprehensive deductible and didn’t have glass coverage at the time. I added the glass coverage a couple weeks after the claim was denied to make sure I’m covered in future events. I finally saved up enough to have the windshield replaced and recalibrated just this week. My question: Is the amount I paid out of pocket for this replacement eligible to go towards my comprehensive deductible for any future issues? My biggest concern is that I just don’t want it to look like I’m trying to commit insurance fraud by submitting a second claim for the same thing after just adding the glass coverage. Appreciate any help.

I have every option that was offered with Aflac through my job. What type of things can you claim? I feel like they are so vague on this. I’m trying to get money back for things if I am able. I haven’t had any SERIOUS hospital stays or such. But I know you can claim yearly for annual physical, also for pap smear under cancer screening to get money back. Not trying to scam or anything but it seems that unless I am dying or stay in the hospital then these policies don’t pay anything. Anyone know the ins and outs? Because at this point I’m just paying a lot to have a policy.

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Who do you guys recommend for insurance? both of my policys personal & commercial are with progressive, our renewal literally went from 2k a month to 5K a month smh - we have had no incidents, or any history for that matter.

About 3 months ago, I got in a car crash where the car got fairly significant damage (I oversteered into a tree). I notified both the local police department and Hertz about the crash, got incident reports from both, and moved on with my merry life (after getting a replacement vehicle from Hertz). I got emailed a request to fill in a vehicle incident report from Hertz, which I submitted the day of receipt. Now here’s the thing: I didn’t have any insurance from Hertz, relying on secondary insurance from my credit card. I don’t own a car, so there’s no primary auto insurance to speak of. My credit card insurance provider requires claims to be submitted within 100 days of incident for them to consider them, and they require a statement of claim from the rental agency in order to submit claims. I’ve gotten crickets from Hertz in this respect the past two months…and I’m concerned that they won’t provide me with paperwork in time for me to appropriately file the claim. I was *considering* sending Hertz a polite but firm letter using certified mail asking them to provide me with a statement of claim in a timely manner in order for me to proceed with this claim given that I don’t want to wake up to a $20,000 bill from Hertz in half a year or something that my credit card insurance policy won’t cover. Is this a good idea? If not, anything else I should consider? I’d appreciate any advice! Jurisdiction: the car was rented in Virginia with a New York drop-off. The crash occurred in Virginia, and I’m a New York resident.

I hit a deer in August. Geico totalled the truck when the repair costs were $7263 and they valued my truck at $12,043. That is only 60% of the value of the truck, and half of the estimated repair cost was paint. I had the vehicle repaired by October. Geico told me I need to submit a physical copy of the salvage title application. I asked multiple times if i could submit it via pdf but they said no. I submitted the application in September, and never heard anything back. By December I reached out to the DMV about it and they said they had contacted Geico November 6th saying my application was denied because it was handwritten. Geico never reached out to me about this, and at this point I had been out of a vehicle for 4 months. They offered no compensation at all. No rental car. As of March 13th I still have not been able to get the truck on the road. Everyone in my life knows that this has beaten me to death emotionally and mentally. I believe Geico totaled my vehicle unfairly, and then made the rest of the process incredibly difficult. This has cost me a lot of money and has stressed me out more than anything I have ever experienced.

I've seen some posts like this but figured I would ask my own question. I have a 2010 f350 dually that I only use to carry the camper or pull the boat. I think I owe around 10k on the loan if that. My truck bed camper came loose and sat on my wheel well bending the bed rail and fender. I submitted it to geico and they gave me $1700. Few months later I got an estimate from a shop and it will be $8000 to fix. It's just cosmetic and doesn't bother me too much since I very rarely drive it. Can I keep the money and instead put a flatbed on the truck in the future? I'm 32 and this is my first insurance claim. I'm looking for advice from anyone but would like to know preferably from people with experience with keeping the money from geico. Any advice is appreciated!

I've been with State Farm for several years, but almost 3 years ago we had a series of accidents that we're not our fault, but were caused by phantom drivers or road hazards. Last summer, I was at fault in backing into a car bumper. My agent says the underwriter's are cancelling because they've paid out over $100k. Kinda late, don't ya think! We've been almost 2 years without anything major - the bumper was less than $2k. My credit is not that great. I see a lot of aggregators that will give you quotes for multiple insurance companies. What's the best way to get insurance at a reasonable cost? I'm over 60 sand in a domestic partnership.