A couple weeks back I was moving into my new apartment complex, and had the door on my vehicle cracked open while I went inside to move what I was carrying before coming back out. While inside my apartment building, I received a call from the office telling me someone had hit my car. I went down to the parking lot and a man was waiting next to his truck for me. He claimed the wind had blown my door open while he was backing into the space, and that he had looked at his camera and it was closed and then he started backing up and heard it crack. The door is off its hinge, and the corner is folded over... it still shuts but it will most likely need a new door. He profusely apologized and gave me all his insurance info and contact information. His agent calls back after I file the claim (Erie), and tells me that they will not be covering the claim and that my insurance would be responsible because the wind blew it open and "there's no way he could have looked at all his mirrors 100% of the time, and its you're fault for leaving the door cracked, allowing it to blow open into his path". Since sentry mode was off ( I have a model 3), and my apartment's surveillance camera was down at the time, there is no way to show if the door was already open or had blown open. My insurance deductible is $1,000 and I don't have that at all right now. Also if I choose to do that, I'll spike my insurance for the next 2 yrs of my lease. Do I go to a lawyer?? I don't even know if I can afford one. I have no clue what to do, and I feel like my only option is to wait 2 years and hopefully fix it out of pocket before my lease ends.... but then I would be out 2/3k for a new door. Someone help me out here....what do I do?

In 2020 I had voluntarily repossessed a mobile home I had bought with a loan through Vanderbilt. Flash forward to now, I’m trying to buy a house and am running to issues with the classification of the deficiencies on that mobile home that I surrendered. Vanderbilt is internally handling the deficiency balance instead of selling it to a collections agency, which makes it an internal collections between me and them. However, when handling my credit now, Vanderbilt is now saying that it is a “voluntary surrender with a decreasing deficiency” instead of a “collections account” which is preventing me from closing on my chosen house. I have been talking with Vanderbilt and looking for further clarification on this because the repossession was finalized years ago and they sold the mobile home and have left me with the deficiencies, hence a decreasing balance (in collections through them right?). However can I have an active and open repossession when the property in question no longer is in my or the banks possession? I asked for clarification on if it is a collections or open repossession, because it can’t be both at the same time. I was told they don’t know and that they will ask their credit department on what they have it listed as. I am awaiting the answer which I should get by noon tomorrow. Furthermore, in January they reported the account to equifax as a collections account that is having payments made. In February they reported it as an active mortgage with a severe deficiency and declining deficiency. I’m at a bit of a loss, my current bank I’m going through is pissed about all of this, and I’m seeking some advice before I get back on the phone tomorrow.

I have UPMC Advantage health Insurance and was taking Vascepa (icosapent ethy) and then the script went to $450 for a 3 month supply. In January i used a coupon from the Vascepa website and was able to get the medicine for $9!! ($3 per month) I just went back to the pharmacy yesterday (Giant Eagle) and they said that because UPMC no longer covers "Vascepa" I'd have to get the generic icosapent ethy, for which there is no coupon and it would cost $150 ($50 per month). Does anyone know how to get icosapent ethy for less? Also, why isnt there more outrage at the fact that our health insurers are constantly TAKING away from our plans and making it more expensive to get medicines we need?

Hi all. Looking for guidance on what to do with my HSA. My employer used HealthEquity for our HSA provider. From what I have read, they are an abysmal option given their high fees in comparison to other providers, like Fidelity. So I have two questions: \- Would it be wise to rollover my HSA from HealthEquity to Fidelity? (At least the amount that I want to invest.) I know there is a rule that this can only be done once in a 12 month period, but I really just want to invest a lump sum at a lower fee. \- This will be my first time investing my HSA. Should I treat it like a regular investment? What do you all typically invest in, i.e. ETFs? Appreciate your help.

Location: Georgia I rented a car in canada, but am a US citizen living in Georgia. The rental company (Turo) is claiming damage that I did not cause and wants me to pay. They say if I do not pay they will “send it to collections”. The company does also exist in the US, but since the rental was in canada, do they have any ability to try and collect from me?

Like home and car insurance in California, looks like Umbrella premiums have gone through roof. Is that true for others in Cali? I'm with State Farm. $2M umbrella was a few hundred dollars last year; renewing now at $2400/year (no claims, no accidents, no lawsuits). 3 cars; 3 drivers. Own home. No pets, not much liability. Anyone else got this sort of increase year over year?

Accident Location: USA, florida (my residence and my driver license is central usa) i once had a car accident while driving rental car in florida Rental car's insurance company charged me for Diminished Value and say if i don't pay that they will get to some florida state's govt agency and take away my driver's license. What are they saying basically and is this even possible? The car accident case was dismissed and i'm not guilty.

I’m really hoping someone who works in medical billing at a dentist office can help me understand this. For context, I have Cigna Dental PPO. I had an oral consultation today that cost $167. The oral surgeon said I definitely need the bottom ones removed, but said she isn’t worried about the top ones. Then here is an image of what I was quoted after. They said I would either be paying $5809 or $3789 depending on what my insurance says. She didn’t sound confident in what she was saying and was speaking to someone else prior. Then, they tried to make me schedule it with 50% down as if I have $1800-2900 just laying around. I could barely afford the consultation fee. I’m I being got or is this how much people are paying to get their wisdom teeth removed? I’m so lost…

Hello! I was rear ended, and the other party was liable. I submitted my vehicle for repairs at the shop of my choice. The car has been in the shop for way longer than the estimate stated due to shortage of parts. (Estimate was approved for 20 days, and its been almost 5 months lol) Adjuster stated they wont be covering the rental because it was excessive. I know that some shops are not truthful, but I confirmed with Acura. The parts were genuinely on back order the entire time. I told the adjuster that its not my fault that Acura is backed up, and that I wouldnt be in this predicament if their insured hadnt hit my car. He insisted that they wouldnt reimburse me for the rental. Side note: Originally the adjuster estimated approx $9K in damages, and the shop was in the ball park of $21K in damages. When the supplement was issued, the allotted time to repair still stayed at 20 days, is that normal? My thought process is that if there was more damage, then it would take longer to repair lol. What do I do? If I seek legal assistance are the odds in my favor? Im in Illinois if that helps.PLEASE HELP

I had a great experience with Nationwide for my previous dog, who had epilepsy and developed a lot of complications. We hit our plan’s annual limit halfway through the year, every year — and they paid out thousands without much hassle. Genuinely smooth process. So naturally, when I got my new puppy (Alfie), I went back to get a quote. But they quoted me over $200/month. I’m guessing it’s because of my history of high claims, even though this is a totally new dog and policy. I ended up going with Lemonade (for wellness/preventative) and Trupanion (for emergencies/accidents), and I’m paying less than $100 total per month. Just wanted to share in case others are running into similar pricing surprises with Nationwide. Happy to answer questions about my setup!