I was in an accident back in April. At the time I did not have insurance on my car. The driver who hit and totaled my car admitted fault. Since I didn’t have insurance at the time I contacted their insurance company(Corvel) myself. After 2 months of constantly calling I was able to get in contact with an agent and she was able to compensate me for the car damages and towing charges. She later said she would take care of my medical. I was supposed to gather my medical records from the day of the accident and my medical bills and email them to her. I sent them back in the beginning of June and have not heard back since. Ive emailed and called and have heard nothing. Is this worth pursuing or should I just call it a day and be grateful for what I have received?

Ugh. So a couple of weeks ago there was a crazy wind storm in my state. I had some roof damage so I got it inspected by a roofing company who told me most of the damage was from hail, which was enough for a replacement. I was told to put in a storm claim with a date of loss for the last hailstorm in 2024. I put in the claim with state farm and I was very careful to tell them that the date of loss was for 6/25/24 and it was for storm damage. I received an email after I submitted the claim and the email says "Date of Incident: 6/25/24". 4 days later the claim is assigned to an adjuster, and we schedule an inspection. Today he comes out for the inspection and he has the date of loss as 3/14/25 and wind damage. He said he cannot make any changes and tells me to put in another claim. Claim is denied because of not enough wind damage. Again, I was very careful when I put in the claim and I never said anything about wind damage or a date of loss of 3/14/25. Somehow the claim details and date of loss were changed between the time I put in the claim and the time it was assigned. I still have documentation (an email) that shows the date of incident of 6/25/24, but if I look at the claim online it shows 3/14/25. My local agent is supposedly working on this but I'm not too optimistic. What are the chances this can be resolved and I won't have to put in a second claim that will potentially cause negative effects to me? UGHHH

I just got an email that they're increasing premium from $38 to $60 in 60 days. Any suggestions on another insurance company?

Okay so I have a new vehicle, and I decided to use Root Insurance. Usually the insurance websites automatically add comprehensive and collision when you state it's financed. So I thought it had. Anyway, it was liability only. Now last week there was a hailstorm and it did some damage to the car. Not hardcore but it js noticeable up close. What can I do? All I can do is fix it right with my own money? Will the bank go after me? I'm just so lost right now any advice would be appreciated.

I totaled my car and I was on fault even tho the other driver actually was also speeding, but after that Progressive told me they are only covering liability and not giving any money for my car since I was driving for work purposes, (I do patients visits, which for still counts as a commute). They argue that I did not specify that I used my car for "work" which in their policy options that options doesn't exist, and this is not tagged as for business purposes. I want to know if is there legal advisor or way to fight against it in Ohio EDIT EXTRA My policy only asks what the primary use of my car and it only gives to pick up one option. Doing visits is not even the 30% use of my car The primary use of my car is actually personal use and commute to my office, I only do in person visits usually 2 a day, but not every days of the week as I do also online visits.

I was involved in a car accident. I called the local police after the accident who came and filed a police report. After waiting for the form to be validated I obtained a copy from the DMV and provided it to the insurance. The police issued the other driver a ticket for failure to yield as she was pulling out of her driveway on to the road. I was traveling on the road and was unable to stop or avoid her in time and hit her car in the road. I took pictures of the accident which shows my car pulled over on the road, debris in the road and her car pushed onto the shoulder. I assumed with the police report and my other evidence I would be successful in filing a claim against her insurance. The insurance company notified that they will not pay for repairs to my vehicle as the other drivers statement does not match mine or the police report. They stated she is working to amend the police report. I’ve never heard of this so I called the police who told me the chances of getting the report amended are very slim and likely not to happen. The other driver claims she was stopped for several seconds and I should have been able to avoid her. The roads were covered with snow so stopping times were increased, I could not stop in time. I have no collision as my car isn’t worth very much and now have no way to repair it. Does anyone have experience in a similar situation on what my best options are with the evidence I have? So far I have filed a complaint with my states department of financial services, request a copy of the decision and appeal process with the insurance and stared researching the small claims court process. The insurance company refusing to pay is GEICO if that matters. Any advice to recoup some compensation for my damaged car is appreciated. tldr: got in accident other driver ticketed insurance refuses to pay for repair

This may be an easy fix but I’m all kinds of jumbled and need someone to explain it to me like I’m 5. I have Anthem Pathways through the marketplace. We used a company to help us get that insurance. So already my mind is boggled…so many moving parts. I have an account on Anthem that lets me see EOBs for myself. These EOBs are important because I use them to upload to the company I mentioned before in order to get reimbursed through my workplace. Still with me? I want to be able to add my son’s EOBs because that will help us reach our family OOP faster. Problem is, I haven’t been receiving his EOBs. I figured I would add him as a dependent on my Anthem account and could get those. No such luck. After looking and looking for a way to do this, I emailed Support. They told me that since I have a plan through marketplace, I need to call something called the Exchange?? What is that?? And that they will review something, send it over to Anthem, and then I can put my son on and see all his info. Please break this down for me. What does it all mean? What do I need to do in order to get his EOBs? Why is this all so effing complicated? I hope I gave enough info. Please let me know if there is something missing that could help me. Thank you so much in advance.

I’m thinking about getting MetLife pet insurance for my dog and wanna know if it’s actually worth it. I’ve seen they cover stuff like vaccines, dental cleanings, flea/tick meds and give about 80% back after a $250 deductible. The price seems okay too. But I’ve also heard some people had their claims denied for weird reasons (like needing medical records from before they adopted their dog which makes no sense). So I’m kinda torn. Would really appreciate honest opinions. Thanks.

**THE PROBLEM** Our dog is a 7 year old English Bulldog. We had been with Nationwide pet insurance since he was a puppy and LOVED them! They were absolutely outstanding but then in 2024 their premiums went up like 3x-4x out of nowhere. I looked for some new providers and SPOT came in with a decent price (although still much more expensive than we were paying before). Our policy with SPOT started in August 2024 and Nationwide was cancelled the following month so there would be no lapse in coverage. **THE BACKGROUND** In November, he started having difficultly walking. I took him to the new vet he's been going to for the last few years and said it's hip dysplasia and is recommended stem cell treatment (we have stem cells stored with Ardent from when he was a puppy). I submitted the claim for his doctor visit and associated blood work and they denied it saying pre-existing condition. Apparently, in his medical records, back in early 2021 I had taken him into our previous vet because he was vomiting. They were concerned of a blockage (maybe ate something) and took xrays. They had made an incidental mention that bi-lateral his dysplasia was noticed while checking for blockage but that was it. I didn't even know about it. He never had any trouble walking, he was never seen for it, never received any treatment for it, and was never talked about or mentioned again by his previous or current vet. **THE QUESTION** Do I have any grounds or avenues for appealing this denial of coverage? On paper, they are saying pre-existing condition which I understand but he never was seen for it, never had signs or symptoms, never treated for it, and I didn't even know about it. It was an incidental comment 4 years ago while checking for something else. Since English Bulldogs are prone to hip dysplasia, I don't think it would be uncommon to observe some level of it - He was only 3 years old at that time. I live in CA if that matters.

Recently my father passed away. I’m his only child and there was no will, however, I moved out a few years ago and my mom lived there with him even though they’re divorced. I never probated the house or got it put in my name so I’m sure that will be an issue later if I did want to file a claim through State Farm later on. What I need to know is if I should file a claim or fix it out of pocket? My mom has let the house go in a pretty terrible way. Before my dad passed it wasn’t great. The floor was bubbled up in some places and sunken in others. When the upstairs toilet overflowed the chandelier fell off the ceiling in the kitchen. He filed a claim through State Farm once in 20 years to get new carpet but it did not fix the underlying problem. Now there’s holes in the ceiling, in the floor, in the walls. And there’s rats. You sit on the couch and you can hear them scratching in the walls and running through the house. The back deck has unattached itself from the house and is falling apart. I feel so bad for my mom and I don’t even know what the problem is much less how to begin to fix it or who to call. Please please any kind of advice would help. Edit: I think that the holes and the problems with the floor being sunken and swollen are from some kind of leak?? Maybe under the house but I’m not sure. I know insurance won’t get rid of rats or anything like that. I just wanted to know if the other stuff was able to be claimed had it been a result of something else like a leak.